Consolidate Credit Card Debt, Student Loans & More

Non Profit Debt Consolidation Solutions

About CreditGUARD

As America's leading debt-free 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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    By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

    DEBT CONSOLIDATION PROCESS

    Finding Debt Consolidation Relief is as Easy as 1-2-3

    1. Call A Credit Counselor

    Our experienced counselors will work with you to take a closer look at your various unsecured debts, such as credit cards, medical bills, and personal loans. This allows us to help you prioritize where your money should go in order to pay off your debts more efficiently. By taking an in-depth look at your debts, we can create a customized plan that is tailored to your unique financial situation. Our goal is to help you achieve a debt-free future by providing you with the tools and resources you need to take control of your finances. Whether you need help negotiating with creditors, consolidating your debts, or simply creating a budget, our credit counselors are here to guide you every step of the way

    2. We Deal With Your Creditors

    At CreditGUARD, we understand that dealing with creditors can be stressful and time-consuming. That's why we offer a comprehensive debt management service that includes contacting your creditors on your behalf. After our credit counselors have assessed your financial situation and determined your most pressing debts, we will work to negotiate with your creditors to help reduce your outstanding interest rates and lower your monthly payments. Our experienced team has a wealth of knowledge when it comes to negotiating with creditors, and we have established relationships with many of the major credit card companies and lenders. By leveraging these relationships, we are often able to secure more favorable terms for our clients. In fact, we have a track record of success when it comes to reducing interest rates and lowering monthly payments by up to 50 percent.

    3. You Make One Monthly Payment

    Once we have negotiated with your creditors and established more favorable terms for your debts, we will consolidate your various debts into a single payment that you make each month. Consolidating your debts in this way can help simplify your financial life and make it easier for you to stay on top of your payments. Rather than juggling multiple due dates and payment amounts, you'll only need to make one payment each month, which can help you to avoid missed or late payments that can negatively impact your credit score. Our goal is to help you achieve financial stability and freedom by providing you with the tools and resources you need to take control of your debts. Our debt consolidation service can help you to reduce your overall debt burden, lower your interest rates, and potentially improve your credit score over time.

    DEBT CONSOLIDATION SERVICES

    Providing Debt Consolidation Services For Over 30 Years.

    CreditGUARD of America

    A licensed, Nonprofit Debt Consolidation Management Service Provider Helping People Like You Get Out Of Debt For 31 years.

    Speak with one of our Certified Credit Counselors now for a no-obligation consultation and get on the road to becoming debt-free!

    Our Debt Management Services

    Our certified credit counselors can work with your creditors to negotiate lower interest rates and monthly payments, and consolidate your credit card debts into one easy payment. Consolidating your credit card debt can help simplify your finances and make it easier to manage your payments. It can also help you save money by reducing the amount of interest you pay over time.

    CreditGuard offers a range of credit management services to help you improve your financial well-being. Our certified credit counselors can provide personalized advice and guidance to help you manage your credit more effectively. We can also help you develop a budget and create a debt management plan to help you pay off your debts more quickly.

    If you are struggling with debt and being contacted by a debt collector, CreditGUARD can help. Our certified credit counselors can advise you on your rights under the Fair Debt Collection Practices Act and help you request validation of the debt. We can also help you dispute any inaccuracies and communicate with the debt collector on your behalf. Contact us today to learn more about how we can help you navigate the debt collection process and achieve financial freedom.

    Struggling with student loan debt? There are options for relief. Federal loan forgiveness programs and income-driven repayment plans can help lower your payments and potentially forgive your debt. Private loan borrowers may be able to refinance for better terms. Speak with a counselor or financial advisor to find the best solution for your needs.

    Our financial calculator is easy to use and provides quick and accurate results. Plus, it's completely free! Try it out today and take the first step towards achieving your financial goals.

    Why Choose CreditGuard.org

    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.

    Frequently Asked Questions

    CreditGUARD FAQ

    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.

    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.

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    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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