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CreditGUARD of America

See How Much Money We Can Save You!


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.

About Us

Who We Are

At CreditGUARD, we provide reliable credit counseling and debt management services to American consumers across the country.

Our debt management program helps consumers get back on track with their bills by consolidating their unsecured debt into one easy monthly payment. Our credit counseling agency advises consumers on personal budgeting, debt consolidation without home equity loans, credit card promos and filing bankruptcy. Understanding these credit solutions and what the better alternatives are can help consumers get through financial difficulties.

Our non-profit credit counseling agency provides additional educational resources and materials on credit management, debt collection and money management. Credit and money management is key to creating a stable, financial future. For consumers in debt collection, it is important for them to know their consumer rights and how to spot collection harassment so debt collectors don’t take advantage and even how to stop the collection calls entirely. Our credit counseling company encourages consumers to enhance their personal financial literacy through our educational resources.

Member Support & Creditor Information

Our non-profit credit counseling agency works with most major creditors in the U.S. CreditGUARD receives most of its support from voluntary fair share contributions from the creditors participating in the debt management program.

While there are fees associated with the administration costs of the debt management program, most of our services are free to consumers.

Bonded Credit Counseling Agency

CreditGUARD offers its services nationwide and is bonded to meet the requirements of the State of Florida as well as all other states where business is conducted.

CreditGUARD of America has an excellent banking record with Bank of America, a major FDIC banking institution handling all our accounts including the Trust account that is used to disburse members’ funds from the debt management program. Our non-profit credit counseling agency disbursed in excess of $67 million to members’ creditors through the Trust account in 2018.

CreditGUARD Headquarters

CreditGUARD is headquartered in Boca Raton, Florida in an office space of approximately 7,000 square feet which houses our more than 35 employees and our user network computer systems.

Principal Officers

Roger L Costa – President/Secretary

Juan Valladares – Treasurer

State-Specific Disclosures

  • 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 # DM 0016985
  • Indiana Residents: We do not lend money.
  • Arizona Residents: We are not a loan company.
  • 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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