Actually part of working with CCCS was that the cc companies agreed not to report negatively , though one notes in their report that we are working with CCCS.
Our murky spot is from being late with payments prior to starting with CCCS and being late sev. years ago *twice* with house mortgages because of DH’s work related injury which caused him to miss many weeks of work–he’s USPS so there was no workman’s comp 🙁
I don’t know what will happen re cc’s once we’re done. They may very well close our accounts-OK with me! Hopefully we can have one as backup for “emergency” I’ve had experience talking with businesses re our credit reports, so if anyone needs support with that let me know. Its tedious but helpful in the long run.