Free credit review
We go through your reports with you. We point out what looks inaccurate or outdated.
Guard My CreditCall 1-800-964-7388See what is holding your credit back.
Tell us what is going on and a Guard My Credit specialist will review your credit with you for free.
What is affecting your credit?
Tap everything that applies. You can pick more than one.
Step 1 of 2
- Free credit review
- No obligation
- Real specialists, not a call center
Simple from the first call.
Dispute what should not be there
We help you challenge inaccurate items with the credit bureaus and creditors. You see every dispute we send.
Build for the long term
We guide you on habits and tools that support a stronger profile. You keep the plan after the program ends.
Items we can help you review.
- Collections
- Late payments
- Charge-offs
- Repossessions
- Foreclosures
- Judgments
- Liens
- Bankruptcies
Why better credit matters.
Better interest rates
Stronger profiles usually qualify for lower rates on loans and cards.
Lower insurance costs
Several insurers use credit-based information when they set premiums.
Easier approvals
Landlords, lenders, and some employers screen credit as part of a decision.
Less stress
Knowing what is on your file takes the guesswork out of applying.
Meet your specialist.
Every client is paired with one real specialist, not a rotating call queue. Your specialist explains each step in plain language, tells you what we can and cannot dispute, and answers your questions between sessions.
Questions people ask us.
Charge-offs, bankruptcies, judgments, liens, hard inquiries, foreclosures, repossessions, collections, late payments, medical collections, child support items, and incorrect personal information. If it is inaccurate, outdated, or unverifiable, it can be disputed.
Credit repair is the process of challenging inaccurate or unverifiable information on your credit reports. Guard My Credit reviews your reports from all three bureaus, identifies items that should not be there, and submits formal disputes on your behalf. Under the Fair Credit Reporting Act, bureaus generally have 30 days to investigate a dispute and must delete information they cannot verify.
Yes. When inaccurate or unverifiable items are deleted, your score can improve because the negative weight of those items is gone. Guard My Credit has helped over 25,000 clients see real score improvements. Results depend on the items disputed and how quickly bureaus and creditors respond.
Many clients see score movement within 30 to 45 days. More significant progress typically happens within three to six months. Every credit report is different, but we work consistently until every disputable item has been addressed.
No long-term contract. It is $39 to start, then $50 a month, with monthly service billed at the end of each 30-day period. To cancel, send an email or portal message with 30 days notice. You are never locked in.
No. Filing a dispute does not lower your score. The dispute process is separate from the scoring model. If an item is deleted after a successful dispute, your score can go up.
Credit repair challenges inaccurate or unverifiable information that may be dragging your score down. Credit rebuilding adds positive activity to your report, such as secured cards or credit-builder loans. Repair addresses what is holding your file back. Rebuilding adds healthy history. Guard My Credit handles both.
Yes. Guard My Credit offers a business credit building program targeting up to $40,000 in new business credit within six months. Building business credit separately helps protect your personal score while giving your business access to real funding.
Yes. All sensitive documents and communications go through a secure client portal. We never share your information with third parties outside of what is required to process your disputes. Every client file is handled with full confidentiality.
Ready to see where you stand?
One short form, then a specialist takes it from there.