If you have been behind 30-90 days you are considered a "slow pay" and your credit report may have late notations already listed. Community Credit Counseling will not report you to any credit reporting agencies. While on our program your creditors will begin to receive payments in a timely and consecutive fashion. Some may even waive or reduce any late fees that you have incurred and even bring your account to a current status, which is known as re-aging and this alone will enhance your credit report. Some creditors will report that your accounts are being paid by a credit counselor.