One of the major benefits of eliminating credit card debt through our system is that your credit rating will not be adversely affected--indeed, your credit rating can even improve. The main issue that affects your credit rating is the debt-to-income ratio. If you've ever applied for a mortgage, this term will be familiar because it is integral in determining what kind of mortgage you can afford.

The debt-to-income ratio is the amount of money you earn every month compared against what you owe for all outstanding debts. So if you significantly lower your debts via our service, your debt-to-income ratio will be improved as well. Thus, your overall credit rating will improve.

We don't recommend applying for a slew of new credit cards at this point. You'll always get new credit card applications whether or not you have a good rating--but with a good rating, you may be tempted to apply for a new set of cards. While we are not financial advisors, we don't want to see our customers heading down the same path again.

Using credit cards is very tempting. It almost seems like free money. You can put off having to deal with the responsibility of payment. We understand that using credit cards is a way of life--so once you clear your debt using our service, we hope that you may be more frugal with credit cards. If you have problems again in the future, we will be happy to work with you to settle new debts.