answer my que

I think almost anything affects credit scores ... sometimes paying something off can lower your score (which makes no sense to me!)

Fair Isaac Corporation, the company that pioneered the use of credit scores, states that participation in a debt management Plan has no effect on a consumer's FICO credit score. However, the participation in such a plan does appear on consumer credit reports, and the client may have more difficulty obtaining a car or home loan and be denied any further unsecured credit, such as a credit card. However once you complete the program it comes off your report as if you were never in the program.