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While you’re in the program, you won’t be able to use your credit cards or open new ones.

The plan is designed to get you out of debt in three to five years, after which all of your accounts should be reported as paid-as-agreed.

Doing so will help your credit score, because the amount of revolving debt you have is a significant factor in your credit score.

Don’t use them while you pay down your debt consolidation loan.

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