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Well i am coming up on a year that I signed on with American Consumer Credit Counseling to help negotiate my payments and interest rates and I am happy to say my credit score has gone up almost 100pts just as they promised! I really love this program. I had 16k of debt from various sources and my payment is now $455 a month and will be paid off in about 3 years. What a life saver. If I hadn't taken it under control and tried to make payments on my own I'd be in debt almost 30k now.