Your first settlement can happen as early as the first few months on the program. This does vary depending on several factors, including:

• Your monthly program deposit amount
• The number of creditors you have enrolled
• The current balance of each individual account

Century will begin contacting your creditors once we are prepared to begin negotiations. The actual negotiation activity is typically very limited until you have saved up enough in your settlement account for us to make reasonable offers to your creditors. When we make contact, we notify your creditor that we have authorization to communicate and negotiate on your behalf and we request future collection calls be directed to us and not you.

This debt relief option is not designed or intended to improve your credit rating or credit history. It is designed to get you out of debt and save you money. As you begin the program, it’s typical to see a negative impact on your credit rating due to missed payments. However, as we negotiate structured deals with your creditors and resolve your enrolled accounts, your purchasing power (not credit rating) will increase and your stress level should lower. Long term, once you complete your program and reduce your debts, you will be in a better position to rebuild your credit.

Often there is a short-term impact which may include seeing your credit rating decrease, but remember the primary goal of this program is to assist you in achieving better financial health.  While you are enrolled on the Century program, you are reducing your debt balances in a very strategic timeframe, and the good news is we can move as fast as the resources you provide!  So, the faster we can resolve these accounts the easier it will be for you to restore your credit.

Most Americans are receiving so many spam calls every day, it can be very difficult to know which calls you should answer. Communication is key because making your program deposits, and staying focused on your goal will ensure a successful Century journey!

As part of this journey, we want to ensure that our client service communication doesn’t get lost in the shuffle. Below is our contact information including a QR code so you can add it to your mobile device. This will allow you to see our Century name when we call or text you with valuable & often time sensitive information regarding your program.

Scan the QR code with your smartphone to ensure our important contact numbers below will be set up as a contact in your phone. 724-861-34