How will your program affect my credit score?

US Financial Management does not have control over your credit rating. Your credit scores will be affected while in the program causing derogatory credit information to be transmitted to the major credit reporting agencies. Any unpaid debt or debts reported as settled for less than the full amount owed may result in a negative notation on your credit report. In the event of any negative credit report notation, you agree to waive USFM Group and its principals harmless of any future damages or claims. Any settled account shall benefit you by improving your debt-to-income ratio. Upon program completion, you may also consult with a third-party credit restoration program to help eliminate negative inaccuracies on your credit report.

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    * Avoid the embarrassment of bankruptcy and long term debt consolidation loans.
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Pay off your debt while you can and not take on any more. Whatever extra you have each month should be applied toward getting out of debt in a systematic way. Until you are debt free, you should order your life to make it a top priority.