Our Services
1
Credit Repair & Rebuilding
Your credit report has more errors on it than you think. Wrong balances, duplicate accounts, collections that are past their legal reporting window. Most people have at least two or three items that shouldn't be there. We go through all three bureaus line by line, dispute what's inaccurate or unverifiable, and rebuild your profile from the ground up. Clients typically see movement within the first 30 to 45 days.
2
Credit Education
Fixing your score once isn't enough if you don't know how to keep it there. We walk every client through how credit actually works: what's hurting your score, what's helping it, and what to do after the disputes are done. Most people leave the process knowing more about their finances than they ever have. That knowledge is what keeps the score up long term.
3
Loan Approval
A better credit score is only useful if it gets you somewhere. We work with clients who have a specific goal in mind: a mortgage, a car loan, a business line of credit. Once your score is where it needs to be, we help connect you with lenders who can actually move forward. We know what approval thresholds look like and we work backward from there.
What is our process like?
Free Credit Consultation
Start your journey to financial freedom with our Free Credit Consultation. Our experts will review your credit report, identify any issues, and discuss personalized strategies to improve your credit score. It's easy and commitment-free.
Assessment and Onboarding
Our Assessment and Onboarding process is thorough and efficient. We gather all necessary information, analyze your financial situation, and develop a tailored plan to address your credit repair needs. This ensures a smooth start to your credit improvement journey.
Disputes
We handle all the heavy lifting during the Disputes phase. Our team will identify inaccuracies on your credit report, file disputes with credit bureaus, and follow up diligently to ensure your credit report is accurate and fair. This step is crucial in improving your credit score effectively.
Meet The Team
Nichole N.
TL/ Credit Specialist / Sales
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Khy V.
Customer Service / Sales
Young B.
I.T & Sales
Our Story
Guard My Credit has over 25 years of experience in credit repair. With no contracts and the lowest prices, we proudly serve all of America from our Raleigh, NC base helping over 20,000 clients achieve their financial goals through expert dispute resolution and loan approval assistance.