Credit Counseling FAQ
Getting started on a path to freedom from debt raises a lot of questions. Here are some answers to commonly asked questions at CreditGUARD.
Who is CreditGUARD?
We are a nonprofit organization of credit counselors and consumer finance experts providing credit counseling, education, and free financial tools for getting out of debt.
What credentials does CreditGUARD of America, Inc. have?
Better Business Bureau (BBB)
Member of Palm Beach Chamber of Commerce
Certified ISO 9001— a worldwide quality assurance standard
How is CreditGUARD of America, Inc. funded?
CreditGUARD of America receives primary support from voluntary fair share contributions. These contributions are donated by creditors who participate in our Debt Management Program.
How are your credit counselors certified?
CreditGUARD of America, Inc. requires credit counselors to successfully complete a comprehensive credit counseling program and pass Credit Counselor Certification by National Institute for Financial Education of America (NIFE).
What do I need to have ready when I speak to a counselor?
Before calling in, make sure you have:
Your most recent monthly credit card statement(s)
Your monthly household income
A list of your various monthly bills and obligations
How long does it take to get out of debt?
Making the minimum monthly payments on large amounts of debt can take decades to pay off. CreditGUARD can reduce the time you spend paying off debt by negotiating lowered interest rates with your creditors. The length of time it takes to get out of debt varies depending on the amount of debt owed and the size of your monthly payment.
How long does the first credit counseling session take?
Usually, the counseling session takes anywhere from 30 minutes to one hour depending on your credit situation and the time you need to get answers to all of your questions.
It’s important to set aside the time to talk to our certified credit counselors to make sure we have all the details on your debt problems and ample time to discuss different financial solutions.
Do I need an appointment with your counselors?
You do not need to set an appointment with our counselors in advance — CreditGUARD is available to help you from Monday through Saturday at your convenience.
You can call us from the privacy and comfort of your own home with all of your files at your disposal.
What kind of financial solutions does CreditGUARD have for my debt problems?
Our credit counseling agency has a variety of financial solutions for debt problems including: Debt Management Program, Debt Consolidation through Home Equity Loan, Advice for Getting Lower Interest Rates, Bankruptcy and Personal Budgeting.
For more information on our credit counseling service, contact us online or call CreditGUARD of America at 1-800-500-6489 for more information on our non-profit credit counseling agency.
When Can I Speak to a Counselor?
Certified credit counselors are available:
Monday – Thursday 8:00 am – 10:00 pm Eastern
Friday 8:00 am – 9:00 pm Eastern
Saturday 10:00 am – 6:00 pm Eastern.
Call us at 1-800-500-6489.
Find Debt Relief Today!
Find Debt Relief Today!
Certified Credit Counselors are available Monday - Friday 8:00 am - 8:00 pm Eastern.
For more information on debt consolidation, please visit:
Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.
The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).
Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.