*** The use of any type of debt relief program that requires you to stop paying your creditors each month can at least have a short - term negative effect on your credit score. (goldenfs.org)
Note that doing this will have a temporary negative effect on your credit score as we explained in the review above. (valuepenguin.com)
When you are late making payments on credit cards, this has one of the most negative effects on your credit rating. (resolvebadcredit.com)