Question by Gisellle: How much impact does a Debt Management Program have on your credit?
Some drastic changes have occurred in family’s income and I have to support two households (my own and my parents) for the time being. This means two mortgages and two set of utility bills.
To help me manage this I am thinking of joining a DMP to reduce my monthly payment towards my unsecured credit. So far I have been on time on all my payments, but my credit score is lowering because I have had to
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