As far as screwing up your credit, that depends on the type of solution you are looking for. A CCCS company is what it sounds like you want when you are talking about one payment and a decent interest rate. It is not the company that has an effect on your credit, it is the fact that you will be enrolling in a DMP program. It will show up on your credit for the length of time that you are enrolled in the program.

The only way to have a negligible affect on your credit would be to work to lower your rates with each creditor individually, or get a consolidation loan to pay off the cards, and then have the one payment to the consolidation loan.

The downside, is debt consolidation loans are very few and far between right now.

The best solution for you really depends on your specific situation and what you are trying to accomplish.