CreditGuard of America


Overall Score

13 User Reviews

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CreditGuard of America is a nonprofit organization that helps people consolidate their credit and learn how to better manage money. The company offers many services including help with personal budgeting, debt consolidation, and filing for bankruptcy. CreditGuard also offers many additional educational resources on credit and money management. Because the company has been in business since 1991, it has established relationships with most of the big creditors in the United States. The company claims they can help reduce interest rate payments by up to 30-50% on credit cards. On the downside, CreditGuard is not accredited with the major accreditation organizations and several aspects about its business are unknown.

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13 User Reviews

The Good

  • Personal Service
  • Availability
  • Experience

Personal Service

A great aspect about CreditGuard is the level of personal service that it offers. The company encourages potential clients to take advantage of a free consultation with a certified personal credit counselor. This counselor will walk with you through your personal financial situation and then discuss what the best options are.


CreditGuard is available in 49 of the 50 states, giving multiple consumers access to its services.


We like the fact that CreditGuard has been in business for over 25 years. This doesn't necessarily mean that they are the best, but it does mean that the company has a track record of learning and improving to stay in business. Additionally, the company is ISO certified, which shows that it is committed to the best practices and standards of the industry.

The Bad

  • Possible Hidden Fees
  • No Industry Accreditations
  • Unknown Refund Policy

Possible Hidden Fees

While our customer complaint pool is small, multiple customers have stated that CreditGuard has hidden fees. Whether these fees are monthly or upfront, make sure to ask your credit counselor about them before signing up.

No Industry Accreditations

Unfortunately, CreditGuard does not have any of the major industry accreditations, namely the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA). For a company that has been around for this long, we would expect to see at least one of these accreditations. In addition, this is a small company with unknown executives. 

Unknown Refund Policy

Another cause for concern is that the company's refund policy is unknown. Many companies offer a money-back guarantee to unsatisfied customers. With CreditGuard of America, however, we weren't able to find this information. 

The Bottom Line

There are several great features offered by CreditGuard: low interest rates, available in 49 states, certified counselors, and 25 years of industry experience. While all of these are things to look for in a debt consolidation company, there are some red flags. Potential customers should be wary of CreditGuard's high monthly fees, lack of accreditations, and the fact that reviews say CreditGuard has hidden fees is cause for alarm. If you are serious about consolidating your credit card debt, we recommend looking at our recommended consolidation companies.

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