Debt Consolidation
I consolidated 2 of my credit card debts with a Debt Consolidation program and I am making monthly payments to the Debt Conolidation Program which in turn will pay my creditors with a negotiated amount. I understand it will have an adverse effect on my credit history but how negatively will this impact my credit and how long will it take before I have excellent credit again? I will have paid of my debts with this program in 3 years.