When you enroll in the DCC Program, most or all of your accounts will “re-age” within approximately 90 days. This means that most creditors will stop issuing any new late charges and over-limit fees after you are on the Program for three months and have made three consecutive, on-time payments. You will no longer experience the stress of letters and phone calls from your creditors, asking you about when you are going to make the next monthly payment. If you should get any stray calls, just direct them to us, and we’ll talk to your creditors for you!