Thinking about debt consolidation for me

Making only one payment will help you. Most creditors will see this as a proactive approach on your part. they will see that you don't want to get behind and are acting in good faith towards them.


BTW welcome to the forum! We're glad your here!

but will this show on my credit report?

Consolidation program will be marked in your credit report, but with positive results in the long term. At present, anyone viewing your file will see that you are using this program to pay the debts. It would have been the best if you could have done the payments on your own. Don't worry about using it because it doesn't put any negative impact. Your accounts will be shown as paid and the interests will also be kept much lower. Once all the accounts are paid off, the program will be removed from your file. This is the second time I am enrolled in this plan and so far, I have not seen anything negative to me.