Credit Card

Will Checking Your Credit Affect Your Credit Score?

Will I be charged a credit interest every time I check my credit rating? This is one of the biggest misconceptions people have about their credit rating, and it could be the sole reason why they are so out of touch when it comes to the topic. Some may tell you... read more

Paying for Gas with Credit Card

The unprecedented rise in gasoline prices has greatly affected consumers in numerous ways. Credit card companies have introduced gas discounts that let consumers save money whether you are on a long drive or city drive. As prices hike, our professional credit... read more

Why Minimum Credit Card Payments Aren’t as Bad as You Think

Credit card companies had been extremely pressured by federal regulators to raise the current minimum credit card payments from 2% to 4% of total outstanding balances. Regulators argue that such a move would help consumers get out of debt faster, thereby reducing... read more

Millenials and Gen-Z | Who has the better credit score?

A recent study shows that credit scores not only vary between two different income brackets or educational attainment but also from generation to generation. The information gathered from the survey sheds new light on the question of the correlation between age and... read more

Things You Do Not Know About Gas Station Credit Cards

With gas prices approaching $2.70 per gallon, it makes sense that consumers would look for ways to cut their budgets and even cut the occasional corner. More than 43 million people had gas cards in 2017, according to the U.S. Department of Energy. Credit cards that... read more
Keep Getting Credit Card Offers? How to Evaluate

Keep Getting Credit Card Offers? How to Evaluate

Are you getting lots of credit card offers in the mail? Wondering which ones are good and which ones are, well, not so great? Here’s a deep-dive 7-point inspection you can do for each card offer you get to decide whether it’s worth applying. Before we dive into the... read more
What Is a Minimum Payment?

What Is a Minimum Payment?

If you have mounting credit debts, you have likely become familiar with the minimum payment. But what does making the minimum payment really mean, and what happens when you are unable to make it on time? Let’s look at how minimum payments affect your bottom line. What... read more
Understanding Credit Card Fees

Understanding Credit Card Fees

Each time you use a credit card, you are going to pay a fee for the privilege. But what are the different types of fees and which ones should you try and avoid? Let’s look over credit card fees and how they can affect your budget. Finance Charges or Interest Fees If... read more
Credit Cards vs. Debit Cards: What’s the Difference?

Credit Cards vs. Debit Cards: What’s the Difference?

In today’s world it is almost impossible to make it through the day without needing to use a card to make purchases. But all cards are not equal. While credit and debit cards may look nearly identical, there are major differences between the two. Let’s take a look at... read more
Understanding Credit Card Rewards

Understanding Credit Card Rewards

Developing good spending habits and learning new ways to manage your money are important parts of overcoming debt. While looking for new ways to approach spending, you may be tempted by credit card rewards. Let’s find out if these cards are worth it in the long run.... read more
Credit Forgiveness Programs

Credit Forgiveness Programs

Credit forgiveness programs sound pretty simple, but they often come with consequences that catch people off guard. Understanding what credit forgiveness entails will help you make an informed decision when trying to tackle debt. What is Credit Forgiveness?... read more
Fixer Uppers vs. Move-In Ready Homes

Fixer Uppers vs. Move-In Ready Homes

Move-in Ready Homes There are two main reasons you’d need to buy a place that is ready for you to move in. FHA (Federal Housing Administration) loan restrictions Basically, you can’t buy a true fixer-upper with an FHA loan. There are provisions that exist to protect... read more

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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.

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Also See…

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.