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	<title>Credit Help Zone &#187; Credit Help</title>
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		<title>How will credit counseling services affect my credit rating?</title>
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		<pubDate>Mon, 20 Jul 2009 03:39:05 +0000</pubDate>
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		<category><![CDATA[Credit Counseling Service]]></category>
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dwaindaddy asked: I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?Kellan
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