CCC is a scam
Dont let these people sucker you they are crooks and scam artists. They work for a Credit Counsler and they want you to pay them instead of paying your bills. If you take your advise you will lose money and still not have your bills paid.
Instead of listening to them call collectors negotiate settlements or payment plans show good intentions.
Appeal old debts to the three credit agencies send appeal letters on older debt they will be removed.
Dont let CCC scam you you can fix your credit you dont need them.