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We are also using CCCS, and it is my understanding that once the debts are paid in full, the notation on your credit report is changed to paid in full as agreed, and there is no mention of the debt management program.

A recent check on our credit reports showed that even though the 2 cards are with CCCS, they both still hold an R1 (best) rating. But when we had to trade in our car for a used minivan a couple months ago, we did have to pay 2.75% higher in interest rates on the van loan, due to the active accounts with CCCS. But the 20% interest break we are getting on our credit cards is worth that, and our debt repayment strategy will have the van paid off in 3 years instead of the 5 that the loan is for, so even that small amount of interest will not make much difference in the long run. THEN we will buy a new house, as our current one has suddenly gotten very small! (Three kids, one bathroom!!)

Hope that helps answers your questions.
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