As America's leading debt-free credit counseling agency, we have a proven track record of helping individuals and families overcome their debt problems. With over 30 years of experience in the industry, we have built a reputation for providing effective and personalized debt consolidation solutions. Our team of experts understands that each client's financial situation is unique, which is why we work closely with them to develop a customized plan that suits their needs and goals. We are committed to helping our clients achieve financial freedom and peace of mind. If you're struggling with debt and looking for a reliable and trustworthy debt consolidation company, look no further. Contact us today to get started on your journey towards a debt-free life.
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Speak with one of our Certified Credit Counselors now for a no-obligation consultation and get on the road to becoming debt-free!
CreditGUARD is a nonprofit organization, which means that any fees charged for their services go towards maintaining and improving their programs, rather than generating profits for shareholders.
CreditGUARD is a reputable and established debt counseling company that has been providing debt management, debt counseling, and financial education to consumers for the past 31 years. They help consumers lower or eliminate their interest by up to 50%, stop late fees, and re-age their accounts to bring them current. CreditGuard.org also helps consolidate debt into one low affordable monthly payment. As a licensed debt counseling company operating since 1991, they are accredited by the National Foundation for Credit Counseling (NFCC) and are a member of the Financial Counseling Association of America (FCAA). They are licensed in all 50 states and currently located in Fort Lauderdale, Florida.
CreditGUARD employs certified credit counselors who have extensive experience in financial counseling and debt management. They can provide personalized advice and guidance to help clients achieve their financial goals.
CreditGUARD offers a range of services, including credit counseling, debt management programs, and financial education resources. This means that clients can receive comprehensive support to help them improve their financial well-being.
CreditGUARD provides clients with access to online tools and resources that can help them manage their finances more effectively. These tools can include budgeting apps, debt calculators, and educational materials.
Credit counseling is a service that provides education and guidance to consumers on managing their finances and credit. It can include budgeting advice, debt management programs, and other financial education.
Credit counseling itself does not hurt your credit score. However, if you enter into a debt management program (DMP) as part of credit counseling, your credit score may be affected in the short term.
CreditGUARD is a non-profit organization, meaning that any fees they charge for their services are directed towards maintaining and enhancing their programs, rather than generating profits for shareholders.”
Yes, CreditGUARD of America is a legitimate nonprofit credit counseling agency that is accredited by FCAA – Financial Counseling Association Of America.
While having a reliable source of income is typically a requirement for most lenders or debt consolidation companies, there are alternative options available. These alternatives may include debt settlement, balance transfer promotions, or bankruptcy. Ultimately, the best solution will depend on your individual financial situation, credit score, and income streams.
While it’s not possible to guarantee that everyone will be approved for debt consolidation, there’s good news – many people are eligible for this type of loan! The process for getting approved depends on various factors, such as your credit score, income, debt-to-income ratio, and other financial considerations.
“Is debt consolidation harmful to your credit score? Debt consolidation loans may have a temporary negative impact on your credit score. This is because lenders will perform a credit check when you apply for a loan, which can result in a hard inquiry on your credit report. While hard inquiries may cause your credit score to drop by a few points, the impact is usually small and temporary. It’s important to note that debt consolidation, if done responsibly, can actually improve your credit score over time by helping you pay off your debts on time and in full.”
Credit counseling typically involves a one-on-one session with a certified credit counselor who will review your financial situation, assess your debt, and provide advice on how to improve your credit.
A debt management program (DMP) is a service provided by credit counseling agencies that helps consumers pay off their debts through a structured payment plan. The agency negotiates with your creditors to lower your interest rates and monthly payments.
Creditors may still contact you initially, but once they have agreed to the terms of your DMP, they should stop contacting you directly.
If you miss a payment on your DMP, it could jeopardize the agreement you have with your creditors and result in the cancellation of the program.
In order to be eligible for a debt consolidation loan, you’ll need to meet the minimum requirements set by the lender. Typically, this involves having a credit score in the mid-600 range, although some lenders who specialize in bad credit loans may accept scores as low as 580. Some banks provide free tools to help you check and monitor your credit score, which can be useful in determining whether you meet the eligibility criteria for a debt consolidation loan.
CreditGUARD of America, Inc. is licensed and/or registered as required in all 50 states. We are a federally approved non-profit corporation, incorporated in the State of Florida, on August 15, 1991. On May 1, 1997, CreditGUARD of America, Inc trade marked said name nationally. The following state specific disclosures are required per state law were applicable. Arizona Residents: We are not a loan company. Indiana Residents: We do not lend money. Kansas Residents: DMP License #CSO.0000007. Maryland Residents: The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding CreditGUARD of America, Inc., License #5, at 500 N Calvert Street, Room 402, Baltimore, Maryland 21202-3651 Phone 888-784-0136. Michigan Residents: License #DM0016985. Oregon Residents: Registration #DM80062. Virginia Residents: CreditGUARD of America, Inc., is licensed by the Virginia State Corporation Commission; License #DC-26
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