How does a debt counseling program effect your credit rating for the future?

I'm in enrolled and was wondering how do creditors view being in a program?

How does a debt counseling program effect your credit rating for the future?
it shouldn't affect it too much, i wouldnt worry
Reply:going through credit counseling reports to your credit almost like a bankruptcy. with the payments that you will be making to the credit counseling co you could have actually called and negotiated better payment arrangements with the actual creditor. 9 time out of 10, the credit counselers are making payments that are like 30 dollars on debts that are 3000 dollars with high interest rates.. you do the math.
Reply:Thats true as the above answer. What is your debt counselor doing for you that you cannot do yourself? Nothing. Pull out and do it yourself. The program is as good as bankruptcy.
Reply:being a collections officer it effects your rating a lot. they give you a r9 rating for 3 years and then you have to rebuild your credit from there.