Terms
Last updated: November 2026
The free review
Requesting a review costs nothing and commits you to nothing. We look at your reports with you and tell you what we can and cannot challenge. You decide afterwards whether to continue.
What we do
We help you identify and dispute items that appear inaccurate, outdated, or unverifiable, and we coach you on the habits that keep your file healthy. We do not create new credit identities, we do not advise you to dispute accurate information, and we do not take over your accounts.
No promise about results
Credit services cannot promise a result or credit score increase. We cannot remove accurate, verifiable information, and we will tell you so before you pay us anything.
Fees and cancellation
$39 to start, then $50 a month. There is no long-term contract. You can cancel at any time with 30 days notice, and we do not charge for services we have not performed.
Your part
You give us accurate information and respond to requests for documents. If something you told us turns out to be wrong, tell us and we will stop and reassess.
Contact
Questions about these terms: Guardmycredit@gmail.com or 1-800-964-7388.