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Guaranteed Financial Solutions

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LAST UPDATED: April 20th, 2022

Guaranteed Financial Solutions is a company located in Grand Rapids Charter Township, Michigan that offers personalized credit repair solutions. 

In terms of services, Guaranteed Financial Solutions provides a free credit consultation, unlimited item disputes, an online client portal, a credit audit every 37 days, as well as a 30-day money-back guarantee. 

Additionally, the company claims that 93 percent of its clients see a credit score increase of about 10 points or more during the first 35 days of the company’s credit repair service. Consumers should note, however, that results can vary per client. 

When it comes to fees, Guaranteed Financial Solutions charges a minimal monthly portal fee of $0.99 along with a one-time audit fee. The company also uses a pay-per-deletion pricing model.

Keep reading to learn more about Guaranteed Financial Solutions credit repair services.

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The Good

  • Active Credit Repair Support 
  • Unlimited Credit Item Disputes
  • 30-Day, Money-Back Guarantee 

Active Credit Repair Support 

In addition to a free credit consultation, Guaranteed Financial Solutions provides clients with a full credit audit every 37 days that involves the analysis of credit reports from all three major credit bureaus (TransUnion, Equifax, and Experian). 

The company also gives clients access to both a case analyst and a case advisor who can provide assistance throughout the credit repair process. Additionally, clients are given free credit-related coaching, resources, and tools after they sign up for the company’s credit repair service. 

Consumers may have a harder time finding other companies within the industry that offer a similar level of support throughout the credit repair process. 

Unlimited Credit Item Disputes

As mentioned above, Guaranteed Financial Solutions provides unlimited credit item disputes. The company focuses on removing inaccurate or invalid items like inquiries, collections, charge-offs, student loans, foreclosures, evictions, and more. 

Although it does cost clients to get each item per bureau removed (with an exception to personal information items), having unlimited disputes can be beneficial to those who have many inaccurate or invalid items on their credit reports that are negatively affecting their credit. 

30-Day, Money-Back Guarantee

Unlike some other credit repair or credit restoration companies, Guaranteed Financial Solutions does offer a 100 percent money-back guarantee. According to the company’s website, Guaranteed Financial Solutions offers this 30-day, money-back guarantee as a way for unsatisfied clients to get their audit fee money back. 

Based on what the company states on its website, it does not seem like clients will be able to receive a refund for the monthly $0.99 portal fee or for item deletion fees. That said, since the audit fee is the largest sum that clients will pay, it’s fortunate that the company offers a refund policy. 


The Bad

  • No Upfront Credit Resources Online
  • Limited Service Details Online
  • High One-Time Fee

No Upfront Credit Resources Online

While the majority of credit repair companies tend to offer free, credit education resources and tools on their websites, it seems that Guaranteed Financial Solutions does not.

It appears that those who want access to credit education tools and resources must first sign up for Guaranteed Financial Solutions’ credit repair services. Additionally, the company does reference that credit tools and education are part of its credit repair service package; however, there is no information about what type of resources or tools are available after sign up. 

Limited Service Details Online

Although the company does provide pricing and some service information on its website, it does not offer details regarding its money-back guarantee policy, resources and tools, staff credentials, and payment options. 

Since Guaranteed Financial Solutions does not provide these details on its main website, potential clients must either contact the company directly via phone or email, or sign up for a free consultation to learn more. 

High One-Time Fee

Guaranteed Financial Solutions’ credit repair services may be more affordable on a monthly basis if consumers consider the fact that most companies in the industry charge high monthly subscription fees. That said, however, the company’s one-time audit fee can be more than what most consumers are expecting to pay at once. 

On top of the audit fee and the $0.99 per month portal fee, consumers will also be charged per item deleted per credit bureau with the exception of personal information items. For example, each collection item or student loan item deleted/corrected will cost $50 (per bureau). 

Overall, clients who have several items disputed and corrected will end up paying more than those who have only a handful of items deleted since the company follows a pay-per-deletion pricing model. Potential clients may want to take this into account when considering using this company’s credit repair services. 


The Bottom Line

Guaranteed Financial Solutions has quite a bit to offer when it comes to credit repair services. As mentioned above, the company provides various support services and resources to clients throughout the credit repair process. 

For instance, clients can receive assistance from a case analyst and a case advisor while using the company’s services. Clients will also receive a full credit audit every 37 days as well as 24/7 access to an online portal where they can check their credit progress. 

In addition to credit repair support, the company provides clients with unlimited credit item disputes, credit education resources and tools, and a money-back guarantee. Guaranteed Financial Solutions also only charges a $0.99 monthly portal fee whereas many companies in the industry charge upwards of $50 or more per month. 

Guaranteed Financial Solutions do, however, charge a high one-time audit fee in addition to a fee per deleted item per bureau. Although following a pay-per-deletion pricing model can be beneficial to many consumers, it can also mean that some consumers may end up paying more than expected on top of the audit fee and monthly portal fee. 

Additionally, the company does not provide free credit resources and tools on its website like many other companies in the industry do. There are also some details regarding its credit repair service that are not disclosed online. Consumers who want access to credit education resources and more service information must contact the company directly. 

Overall, if you are looking for a company that offers personalized credit repair solutions, uses a pay-per-deletion pricing model, and offers unlimited item disputes, Guaranteed Financial Solutions may be the right company for you. However, if you are searching for a service that doesn’t require an audit fee, you may want to look elsewhere. 

We recommend that you sign up for a free credit consultation, contact a company representative, and/or read several Guaranteed Financial Solutions reviews if you are interested in learning more about what the company has to offer. 

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Russell Vastine Aurora, CO

Looked at this company when trying to get help with my credit score. I like how they don’t have long term contracts and transparent on their fees.

2 years ago