Will using a credit counseling service to consolidated your debt have negative impact on your credit history?

Yes it will, I am a mortgage consultant and mortgage companies look at a Credit Counseling as a Chapter 13 Bankruptcy. Even if you credit score is low right now, if you have the equity in your home I would refinance your home and include all the other debt. This would be a lot cheaper and save you more money and your credit in the long run. If you need anymore advice. please feel free to contact me.