If you are not behind on any of your…
If you are not behind on any of your payments this is NOT the program for you. This program has trashed my credit score they should have told me this was not the right fit for me, but instead they led me down an evil rabbit hole taking away 200 credit score points. I just wanted a little relief. I wasn't behind now 10months later everything is behind and in the crapper. If your credit score is already low and you are behind go for it, but if not run away, find another solution.