Enrolling in any debt management program will have several affects on your credit, depending on who you owe. Some creditors will show you in a good light, others may not. While you are in a DMP, you should refrain from using or requesting more credit as we are trying to eliminate your debt first. Ultimately though, once you finish the program and all debt is paid off, you will receive a certificate of completion. The certificate will show everyone you ask credit from that you are able to handle monthly payments and that you understand your role in paying your creditors in full.