maintain good credit
I have quite a bit of debt, but up to this point in my life, I have been diligent about making all of my payments on time. Even though I have accumulated more debt, and have not been good at paying it off, I have always been on time. My credit is not the best, but it is good, even though I have a lot of debt. I need a debt settlement program that will help me maintain good credit. If I use a debt consolidation program, will it harm my credit, or will it help show I am more responsible and raise my credit score?