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Comparing GMC's Pay-As-You-Go Plan vs. the New Financed Plan
- Guard My Credit
- Apr 1
- 2 min read
At Guard My Credit, we believe credit repair should be affordable, accessible, and stress-free. Over the years, we've refined our service options to better serve our clients. Our new Flexible Payment Plan is designed to help more people take control of their credit without large upfront costs. But how does it compare to our old GMC packages?
In this blog, we’ll break down the differences, benefits, and key factors to help you choose the right plan.
GMC's Pay-As-You-Go Packages: How They Worked, Remember, We are the cheapest credit repair repair company
Our previous credit repair plans offered a straightforward, contract-free approach to improving credit scores.
Pricing & Structure:
Single Plan: $89.99/month
Family Plan (2 members): $149.99/month
Family Plan (3 members): $199.99/month
Credit monitoring fee: $20–$30 per month (separate charge)
Discounts: $10 off for frontline workers, veterans, seniors, and individuals with disabilities
Features Included:
Credit repair and rebuilding services
Credit education resources
Loan approval assistance
Best For:
Clients who prefer a month-to-month plan with no long-term commitment. However, some clients found it challenging to continue their credit repair journey due to the separate credit monitoring fee and the cumulative monthly cost.
The New Financed Plan: A More Flexible Approach
Our Flexible Payment Plan makes credit repair even more accessible by spreading costs over time—without the burden of high upfront fees.
Pricing & Structure:
Single Plan: $1,500 (financed over 12, 18, 24, or 48+ months)
Family Plan (2 members): $2,500
Family Plan (3 members): $3,500
Credit monitoring included (no extra $20–$30 monthly fee)
Get started for just $39—first full payment due in 30–45 days
Monthly payments are reported to credit bureaus, helping you build a positive tradeline while repairing your credit
Cheapest Credit repair Repair Company
Features Included (Same as Pay-As-You-Go Packages, Plus More!):
Credit repair and rebuilding services
Credit education resources
Loan approval assistance
Monthly credit reporting to bureaus (Exclusive to the Financed Plan)
Best For:
Clients who need a lower upfront cost and want to build credit history while improving their score. Guard my credit boasts being the and this plan is ideal for those who previously couldn’t afford the pay as you go package pricing structure.
Choosing the Right Plan for You
Both plans provide comprehensive credit repair, but your choice depends on your financial situation and goals:
If you prefer no contract and can afford the monthly cost + credit monitoring, the old GMC packages might be the best fit.
If you need a lower upfront cost, want to spread payments over time, and benefit from credit bureau reporting, the new Financed Plan is the way to go.
Can Existing Customers Switch?
Yes! If you're currently on the old plan and want to take advantage of credit bureau reporting, you can switch to the Financed Plan at any time. Likewise, if you previously canceled due to financial constraints, this new option makes it easier to restart your credit repair journey.
Final Thoughts
At Guard My Credit, we’re committed to providing affordable, flexible solutions to help you achieve better credit. Whether you prefer a pay-as-you-go approach or a structured financing plan, we have an option that fits your needs.
Have Questions? 📞 Call us at 📧 Email us at info@guardmycredit.net 🌐 Visit guardmycredit.net to get started today!
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