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I had a friend that went through Consumer Credit Counseling Service for their credit card debt and others. She said that a few years later, when they applied for something, that their creditors looked upon their going to CCCS as a bankruptcy.

This was discussed a while back, and the opinion was stated that if you successfully COMPLETE the Consumer Credit Counseling Service and your credit report is properly updated at the end, it doesn't show up on your credit report.

Having never gone that route, I can't say whether this is true or not.

I can tell you that after YOU think you have your debts cleared, it's worth looking at your credit report, from every credit reporting bureau you can locate. You may find odd things. You'd really like for all the major bureaus to say the same thing about you, and the odds are that - no matter how bad the reality is - any errors are even worse.
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