spoken for

15 Responses to “Credit Guard of America?”

1. Bes
   September 10th, 2006 at 6.41 pm

   

   I saw that commercial too, and it’s annoying. They try to add that touch where a moving camera supposedly adds to the realistic portrayal of an image, the way many movies do so [unsuccesfully] these days.

   lol @ their website. :p

2. Vera
   September 12th, 2006 at 5.29 am

   

   lol, that sucks. What a waste in advertising if the website isn’t even up yet. Go figure.

3. James A. Thompson
   December 28th, 2006 at 7.01 pm ♥

   

   The site of CreditGuard.com might be truly succesful I agree if they finish with their site. This is only the second time I looked for this site or a connection to what a friend told me of about four months ago. Under the search bar from yahoo I find many related names and some not like DebtUSA or something which offered me a free quote and was all, then when I scrolled back at the top it said that Kansas (where I live), Michigan, and North Carolina. Well thank you for the infromation in regards to trying to use the site and I not feel so stupid in searching for site that is supposedly something that would help me take care of credit cards, medical, and repair loan bills.
   Apologize for such long message and hope that it fits you qualifications from proper usage and terms.

   Sincerely
   James

4. James A. Thompson
   December 28th, 2006 at 7.09 pm ♥

   

   Oh! Almost forgot to say hope had wonderful past holiday Sir or Ma’am and wish you still a Happy Yew Year. Thank you again for you time and hope that in some way if you be able to help me in searching for the item to repair my credit to good status. By chance if you are part of the credit guard company or rep in some way, but, in the instance that you are not then I again apologize for such long email and making it sound personal, and asking a complete stranger for help in such serious matter. I use yahoo almost everyday, and my college email, and in last month joined myspace in hope of connecting with help. Well thank you for you comments if the top one was yours or if not and just one of the people you say bad mouth you company I apologize for confusing the two.

5. Val
   December 31st, 2006 at 3.13 am

   

   @ James – Hi – no I am not part of a credit company but we did join one – we went with CareOne, should be careone.com. We’ve not been with them really long, just since this summer, but I noticed the other day that our big card did finally accept their proposal of monthly payments so at least now they’re taking automatic payments we can handle and we’re not adding to the card at the same time. Only time will tell how it goes…

   Happy New Year to you, too!

6. Sue
   January 5th, 2007 at 11.34 pm ♥

   

   The actual website for Crdit Guard is http://www.creditguard.org – I know because I made the same mistake. I am considering using them myself.

7. Val
   February 6th, 2007 at 5.29 pm

   

   Yeah they’ve changed their commercials now. It does say .org now… However, there’s still the annoying camera movements.

8. Ann
   July 13th, 2007 at 2.32 pm

   

   I personally used credit guard and it is a very reputable company. I have never had a problem would recommend you give them a call and choose for yourself if you need help with your unsecured debt.

9. skelly
   June 11th, 2008 at 5.08 pm

   

   I guess they thought they might gain some MTV-style appeal with the younger crowd who tend to be the ones suckered into credit card problems in the first place.

   Anyway, yeah: creditguard.ORG is the real deal – and I DID use them starting in 2001. What they described to me as a three year payoff plan ended up actually taking about 40 months – so not too far off the mark. If you are committed to eliminating credit card debt, I highly recommend them. It was a breath of fresh air to not have to worry about how this was going to be handled, to eliminate the harassment from creditors and collections people, and I was able to reverse a $35K+ debt.

   What surprised the heck out of me was that three months after the plan completion I called a realtor buddy of mine to inquire about what I should do to recover from this process in preparation for buying my first home. He pulled my credit report then and there over the phone and said that my score was over 700 and that he could get me a $500K+ loan next week if I wanted. I had thought that it would take many years to re-establish credit, but it turned out that the repayment process through working with Credit Guard helped that happen along the way so I didn’t have to wait afterward.

10. Val
    June 11th, 2008 at 5.42 pm

    

    Thanks for the comment Skelly, I’m glad to hear you got out of debt using them! We were with CareOne for about a year and a half and didn’t really feel like we were getting anywhere and our credit ratings had actually dropped. So we took out a home equity loan (which is really what I wanted to do in the first place but at the time my husband wouldn’t agree) and are now making smaller payments and paying more on principle, etc. We had/have less than $35k in debt, too, less than half actually. Just seems like it takes forever.

    If you don’t mind my asking, could you please tell me how big the payments were that you were making and do you know what the interest rates were that they gave you?

11. skelly
    June 18th, 2008 at 11.10 am

    

    I had 4 credit cards managed under them, all of which were drawing over limit and late fees and maxed to 24.99% as a penalty. Credit Guard ended up getting the APR’s to somewhere between 10-15% depending on the card, and I believe the combined payment was about $480/month (give or take a few bucks). It may sound like a lot, but some of those minimum payments were ~$300-400 before Credit Guard renegotiated everything, so it was a huge improvement. A home equity loan is a great way to go though since the percentage rate is so low.

12. Chris
    July 1st, 2009 at 7.17 pm

    

    Thanks for all of your comments. I have $26K in credit card debt and all of the limits were reduced recently as well as an increase in APR. Are there other companies out there competing with them?

13. peggy
    August 13th, 2009 at 3.05 pm

    

    ji signed up alomost three years ago for help on a three year
    plan,,, time will tell if they make good or not…. the only complaint i have is that myoriginal quote and what i ended up
    paying is almost 100.00 difference and they havnt adjusted it for
    what ever reason,, just not good business standads,,, am holdingon to see if i get any refunds at the end of myi term to make up for it…

14. yolanda ramirez
    March 7th, 2010 at 3.41 pm

    

    hola,yo tenia un acuerdo con ustedes,pero no se k paso k siempre k hacia el deposito la cuenta del banco se ponia en negativo,hasta hace poco me di cuenta k siempre ademas del pago,sacaban de mi cuenta 59 dolares extra k no se en k cuenta lo ponian,porque en la mia no era,por tal razon siempre estaba sobre girada en los pagos. y tuve k cerrar mi cuenta.ahora de nuevo estoy en la misma circuntancia.

15. Val
    March 7th, 2010 at 11.18 pm

    

    Perdón, yo no comprendo completamente.