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CreditGUARD of America

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Consumer Credit Counseling Services


When you call CreditGUARD of America, Inc., our certified credit counselors will review your unsecured debt, such as credit cards, medical bills and personal loans, and secured debt, such as mortgages and car loans, as well as household expenses and personal income. Based on your financial circumstances, our certified credit counselors will recommend one of the following types of consumer credit counseling services:

Personal Budgeting

Sometimes you can resolve a debt problem by managing your money more effectively. Personal Budgeting could be the answer to your debt problems. Learn ways to identify overspending and how to create a personal budget.

Debt Management

A Debt Management Program is a consumer credit counseling service helping individuals consolidate unsecured debt into one easy payment so that they can get out of debt in 4 to 5 years. In addition to lowering monthly payments, many creditors will reduce or eliminate interest and stop charging late fees. Most importantly, past due accounts will be reaged, that is, shown as current..

Home Equity Loan

A Home Equity Loan may be recommended for home owners with equity and a large amount of unsecured debt. Our certified credit counselors can advise you on how to best proceed with getting your home equity loan.

Credit Card Promos

Credit Card Promos can help you obtain lower interest rates and save money on credit card payments. Our consumer credit counseling service can list the advantages and disadvantages of this method of credit management.


Bankruptcy should only be attempted after exhausting all other debt solutions, because bankruptcy will remain on your credit history for ten years. Our credit counseling service will examine all your credit options to help you decide if filing bankruptcy is the correct decision for you.

Consumer Credit Counseling

Contact us online or Call CreditGuard of America at 1-800-500-6489 for more information on our non-profit credit counseling and debt counseling agency. Certified Credit Counselors are available Monday through Thursday 8 am – 11 pm, Friday 8 am – 10 pm, Saturday 10 am to 6 pm Eastern Time. For online service, 24/7, use the Credit Card Debt Analyzer to calculate your estimated interest and payment savings available, through our debt management program.

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