to help work out a plan your must pay outgoings arrange with creditors to freeze interest and accept a revised monthly payment a reader informed me that using a credit counselor will show up on your credit report and adversely affects your FICO score not as bad as a bankruptcy but it is coded and lenders can see it Only exercise this option if youre really in dire straits

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to help work out a plan: your "must pay" outgoings, arrange with creditors to freeze interest and accept a revised monthly payment. : a reader informed me that using a credit counselor will show up on your credit report and adversely affects your FICO score not as bad as a bankruptcy, but it is coded, and lenders can see it. Only exercise this option if you're really in dire straits.