CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that currently works in 48 out of 50 states in the United States. Credit Guard of America is committed to providing the best solutions for simple to complicated debt issues. Some of the services they offer are credit counseling, debt consolidation and debt management. They also offer different types of debt solutions depending on your financial and life situation. As a part of their debt program offering, consumers are able to receive free financial education and materials on credit management, debt collection and money management.
Credit Guard of America has a variety of programs including debt management, debt consolidation through the home equity loan, bankruptcy and credit counseling. They also offer advice for getting lower interest rates and personal budgeting.
The initial consultation with a credit counselor is free, but credit guard will charge a one time setup fee ranging from $50-$150 based on how much debt the consumer wants to enroll into their credit counseling program. As for monthly fees, depending on what state you live in, Credit Guard of America could charge you anywhere from $49-$75. (These fees are in line with most other companies who only offer credit counseling programs.)
While not being the largest firms in the debt industry, Credit Guard of America has a very good reputation in the industry. They have been helping consumers with their debt situations for 26 years.
With an A+ rating on the BBB, association with the Greater Boca Ration Chamber of Commerce, ISO certification, and being a non-profit organization, few complaints have been made against Credit Guard of America.
Credit Guard of America provides access to credit counseling and debt programs in 48 out of 50 states in the United States.
Credit Guard of America has great program offerings and knowledgeable customer service and credit counselors. Being a non profit organization, they are able to offer free financial education and resources. They also are able to help consumers stay on top of their payments by working to combine most of the various debts into one smaller, more manageable bill.
Our Rating 8.8/10
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Managing debt can be stressful. It’s even more stressful and overwhelming to think about how you’re going to pay off your debt. Whether it’s credit card debt, loan debt, medical debt or any other debt, it can feel like an impossible path to financial freedom.
With more than 78%† of working American’s living pay check to pay check there is no better time to explore your debt relief options. So, before you consider filing for bankruptcy or defaulting on your debts take the time to understand debt relief options.