CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that currently works in 48 out of 50 states in the United States. Credit Guard of America is committed to providing the best solutions for simple to complicated debt issues. Some of the services they offer are credit counseling, debt consolidation and debt management. They also offer different types of debt solutions depending on your financial and life situation. As a part of their debt program offering, consumers are able to receive free financial education and materials on credit management, debt collection and money management.


Program Variety

Credit Guard of America has a variety of programs including debt management, debt consolidation through the home equity loan, bankruptcy and credit counseling. They also offer advice for getting lower interest rates and personal budgeting.


  • Palm Beach Better Business Bureau - member in good standing (BBB)
  • The Greater Boca Raton Chamber of Commerce
  • International Organization for Standardization Certification (ISO)

Program Costs

The initial consultation with a credit counselor is free, but credit guard will charge a one time setup fee ranging from $50-$150 based on how much debt the consumer wants to enroll into their credit counseling program. As for monthly fees, depending on what state you live in, Credit Guard of America could charge you anywhere from $49-$75. (These fees are in line with most other companies who only offer credit counseling programs.)

Industry Reputation

While not being the largest firms in the debt industry, Credit Guard of America has a very good reputation in the industry. They have been helping consumers with their debt situations for 26 years.


With an A+ rating on the BBB, association with the Greater Boca Ration Chamber of Commerce, ISO certification, and being a non-profit organization, few complaints have been made against Credit Guard of America.

State Coverage

Credit Guard of America provides access to credit counseling and debt programs in 48 out of 50 states in the United States.

Overall Rating 2.6 (Good)

Credit Guard of America has great program offerings and knowledgeable customer service and credit counselors. Being a non profit organization, they are able to offer free financial education and resources. They also are able to help consumers stay on top of their payments by working to combine most of the various debts into one smaller, more manageable bill.


  • Free Consultation with a knowledgeable customer service agent and credit counselor
  • Free financial education and resources
  • Non profit organization - Able to charge lesser fees, are frequently able to waive fees, and also offer a variety of free services, including money management advice and credit counseling sessions.
  • Debt relief for consumers in the military
  • Members of the Palm Beach Better Business Bureau
  • The Greater Boca Raton Chamber of Commerce
  • ISO Certification

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