How will my credit be negatively affected if I use Non-Profit Cons Credit Counseling to help me with 1 Bill?

Until losing my job I never was late on bills but 1 company (Home Depot) will not work with me on their Extremely High monthly finance charges & extremely High Interest Rates. With the help of the non-profit Cons Credit Counseling Service I will pay it off sooner so in effect won’t that balance out [...]