 TITLE: What Is Credit Card Debt Counseling? CONTENT: How Does Credit Card Debt Counseling Affect Your Credit?\n--------------------------------------------------------\nCredit card debt counseling will not directly impact your credit scores. That said, there are a few ways that working with a credit counselor could _indirectly_ impact your credit:\n*   If you enroll in a debt management plan, your accounts may be closed as part of the plan. This could lower the average length of your credit history, which could impact your score. If your credit counselor renegotiates any terms with your lenders, this change could also be reflected in your credit reports, causing your score to go down.\n*   Any progress you make toward paying down your debt should help improve your credit standing in the long run. END