CreditGUARD of America

What CreditGUARD of America does

CreditGUARD of America is a nonprofit debt management and credit counseling organization founded in 1991 and headquartered in Fort Lauderdale, Florida. The company serves individual consumers in the United States struggling with unsecured debt — primarily credit card balances, medical bills, and personal loans — by providing certified credit counseling, customized Debt Management Programs (DMPs), student loan counseling, pre-bankruptcy counseling, and debt collection advisory services. CreditGUARD is licensed to operate in all 50 states and is accredited by the National Foundation for Credit Counseling (NFCC) and a member of the Financial Counseling Association of America (FCAA); it also holds a BBB A+ rating.

The core service is the Debt Management Program, in which counselors negotiate with creditors to lower interest rates (by up to 50%) and consolidate multiple debts into a single monthly payment. Supporting offerings include a student loan counseling track covering federal forgiveness and income-driven repayment, pre-bankruptcy counseling, and free online financial calculators. The technology stack is minimal — there is no proprietary platform, app, or model; service delivery is human-driven, conducted by phone (30-60 minute consultations) and supported by a content-driven website and SEO presence. Revenue comes from nonprofit service fees tied to client enrollment in DMPs and counseling engagements, with pricing not publicly disclosed. The company has 11-50 employees and no external funding, acquisitions, or parent company.

Name

CreditGUARD of America

Legal name

CreditGuard of America, Inc.

Website

https://creditguard.org

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

CreditGUARD of America is a nonprofit credit counseling and debt management agency, founded in 1991 and licensed in all 50 states, that helps individual consumers negotiate lower interest rates and consolidate unsecured debts into a single monthly payment.

Ownership category

akta.pro rank

Product category

Nonprofit Credit Counseling and Debt Management Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAJAH

Credit Counseling & Debt Management Plans (DMP)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

SECONDARYFSAEAFAA

Consumer Credit Counseling & Budgeting

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Credit & Debt Advisory (Restructuring, Counseling & Settlement)

SECONDARYFSAEAFAB

Debt Management Plans (DMP) Administration

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Credit & Debt Advisory (Restructuring, Counseling & Settlement)

SECONDARYFSAKAKAJ

Credit Education, Monitoring & Consumer Credit Management Tools

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

Keywords

• Nonprofit credit counseling
• Debt management program
• Credit card consolidation
• Personal financial education
• Student loan counseling

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Nonprofit Service Fees: As a nonprofit organization, CreditGUARD charges fees for its services that are directed towards maintaining and enhancing their programs rather than generating profits for shareholders. The revenue supports credit counseling operations, debt management programs, and financial education resources.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

CreditGUARD of America is a nonprofit credit counseling agency that delivers a structured Debt Management Program (DMP) in which certified credit counselors negotiate with creditors to reduce interest rates (up to 50%) and consolidate multiple unsecured debts into a single monthly payment. It complements the DMP with credit card debt consolidation, credit management counseling, debt collection assistance, student loan counseling, pre-bankruptcy credit counseling, and free financial calculators, serving individual consumers across all 50 states.

Product overview

CreditGUARD of America operates as a nonprofit debt consolidation and credit counseling agency offering a unified suite of services centered around debt management. The core offering is the Debt Management Program (DMP), which combines credit card debt consolidation, credit management counseling, and debt collection assistance into a coordinated service. Supporting services include student loan counseling and free financial calculators. All services are delivered through certified credit counselors who negotiate directly with creditors to reduce interest rates by up to 50% and consolidate multiple debts into a single monthly payment. The company has been operating since 1991 and is licensed in all 50 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Debt Consolidation Nonprofit certified credit counselors work with creditors to negotiate lower interest rates and monthly payments, consolidating multiple credit card debts into a single monthly payment for individual consumers.
• Credit Management Services Certified credit counselors provide personalized advice on managing credit effectively, including budget development and debt management plan creation for individual consumers.
• Debt Management Program (DMP) Structured payment plan where CreditGUARD negotiates with creditors to lower interest rates and monthly payments, consolidating multiple unsecured debts into a single monthly payment for individual consumers.
• Debt Collection Assistance Advisory services on Fair Debt Collection Practices Act rights, debt validation requests, dispute assistance, and communication with debt collectors on behalf of individual consumers.
• Student Loan Counseling Counseling on federal loan forgiveness programs, income-driven repayment plans, and private loan refinancing options for individual consumers carrying student debt.
• Pre-Bankruptcy Credit Counseling Pre-bankruptcy credit counseling services as required before filing for bankruptcy, helping individual consumers assess their financial situation and explore alternatives.

Quantifiable outcome

• Reduce interest rates by up to 50%
• +3 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• National Foundation for Credit Counseling (NFCC)coreOthersCreditGUARD is accredited by the NFCC, a nonprofit financial literacy organization. This accreditation signifies that CreditGUARD meets industry standards for credit counseling services and demonstrates commitment to ethical practices and consumer education.
• Financial Counseling Association of America (FCAA)coreOthersCreditGUARD is a member of FCAA, the premier trade association for nonprofit credit counseling agencies. Membership indicates adherence to FCAA standards and best practices for debt management and credit counseling services.
• Bureau VeritasminorOthersLogo displayed on website indicating some form of certification or verification service, though specific partnership details not elaborated on the website.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• GreenPath Financial Wellness: Nonprofit NFCC-accredited credit counseling agency offering DMPs, housing counseling, and financial education across the U.S. Highly comparable as a mission-aligned, accredited direct competitor in the same product category.
• Clearpoint Credit Counseling Solutions: Nonprofit HUD-approved credit counseling agency providing DMPs, pre-bankruptcy counseling, and student loan counseling. Highly comparable operating model and accreditation profile to CreditGUARD.
• Money Management International (MMI): One of the largest nonprofit credit counseling agencies in the U.S., offering DMPs, student loan counseling, and pre-bankruptcy counseling. Closely matches CreditGUARD's service mix, accreditation status, and nonprofit model.
• InCharge Debt Solutions: Nonprofit credit counseling and debt management provider offering DMPs, bankruptcy counseling, and financial education. Comparable in mission, accreditation, and consumer-facing debt management offerings.
• Cambridge Credit Counseling: Nonprofit credit counseling agency offering debt management plans and financial education across multiple states. Comparable in product, regulatory positioning, and target consumer.
• Consolidated Credit: Nonprofit credit counseling agency accredited by the NFCC and FCAA, offering DMPs and financial education. Directly comparable to CreditGUARD in service model, accreditation, and target customer.

Emerging players

• National Debt Relief: For-profit debt settlement company targeting consumers with unsecured debt, partially overlapping with CreditGUARD's customer base but using a settlement rather than DMP model.
• Accredited Debt Relief: For-profit debt settlement firm targeting consumers seeking alternatives to traditional credit counseling. Comparable customer base but different operating model.
• Freedom Debt Relief: Large for-profit debt settlement provider competing for the same financially stressed consumer segment, but using settlement negotiations instead of a nonprofit DMP structure.

Others

• NFCC (National Foundation for Credit Counseling): Industry accreditation body of which CreditGUARD is a member; not a competitor but a relevant ecosystem participant that sets standards CreditGUARD must follow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/CreditGuardUSA
• Facebookfacebook.com/creditguard

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CreditGUARD of America