FDR explained the process as being a few month to 6 months that your credit rating would be impacted. They lie! They drag out paying off your debt collectors and your credit is ruined for years! They give you a date of 31/2 years that your debt will be paid off and then drag it out to 4 1/2 years!! Try giving them a bad review or feedback on their site, and the site won't let you submit negative feedback!! State you " love them" and then you can submit!!' I would never recommend them!!! I regret going this route!! My credit was fine, just wanted to pay off high credit cards quicker and with less interest, but didn't expect my credit rating to be impacted for as long as it is.. Will pay off sooner and be done with them!! Don't do it!!