It can be viewed in a positive perspective by a creditor

Being under a credit management program will not affect a person’s credit score or rating. However, the fact that you are paying off your debts through the program is recorded and future creditors may be able to view this on your record. They may interpret this either positively or negatively. It can be viewed in a positive perspective by a creditor knowing that you are a borrower who is responsible enough to pay your debt and never turned your back on your obligation. The negative perception lies upon the risk that a creditor will take because of your inability to pay previous debts.

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