Manage your own credit

Imagine never having to worry about getting a loan or lower interest rates for a new house, car, or credit card... Life would be easier, wouldn't it? ApprovalGUARD™ is a service that empowers you to understand and manage your own credit just like a credit professional.

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Credit Reports

Easy secure online access to all of your credit reports

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Debt Planning Tools

Build credit management and savings scenarios

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Knowledge Library

Loads of credit articles with insider credit tips

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Credit Professionals

Our live credit pros that turn credit monitoring into real life

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"I just graduated from high school and have no established credit. My father purchased a subscription to ApprovalGUARD and wow, how it’s helping. I have learned a lot about how credit scores work, plus my personal credit professional has helped me plan out a way to establish my own credit the right way!"

approvalguard testimonials, Rachel from Riverside, CA

Rachel Riverside, CA

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"Right out of high school I joined the military, after completing my basic training, I was shopping for auto insurance. I noticed that every place I called to get a quote they asked for my social security number. What I didn't know is that they pulled my credit report each time I applied, which could have affected my insurance rate. Thanks to ApprovalGUARD I learned when and when not to provide critical personal information when shopping for loans and insurance."

ApprovalGUARD testimnonials, Derrick from the Air Force

Derrick E3 U.S. Air Force

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"I almost made the mistake of applying for all those credit card offers you get when you graduate. Having the information and an accessible credit professional is priceless. They never taught us this in school."

ApprovalGUARD Testimonials, Joseph from Las Vegas, NV

Joseph Las Vegas, NV

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"The clients I work with are never prepared to get a mortgage. Even if they qualify it is a mad scramble to get them there and they rarely get as good a rate as they could have. That’s why I love ApprovalGUARD clients, they have all the little issues ironed out ahead of time. My job is easier, the client gets a better deal, and the whole process is a lot less stressful. Everyone could benefit from a service like this no matter what their credit score or situation is."

ApprovalGUARD Testimonials, John from Los Angeles, CA

John Los Angeles, CA

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"My husband was deployed to Iraq, so it feels good to know someone here is looking out for my financial future by helping me understand how to manage my credit. I have recommended the ApprovalGUARD service to the base family support team so they can help other military families like mine."

ApprovalGUARD Testimonials, Anne from Oceanside, CA

Anne Oceanside, CA

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"I was working with a company for four months on my credit and they instructed me to pay off and close one of my credit accounts. This ended up negatively affecting my credit. Working with someone who knows what they’re doing versus someone who doesn’t has really made a difference. Thanks ApprovalGUARD!"

ApprovalGUARD Testimonials, Monica from Phoenix, AZ

Monica Phoenix, AZ

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"I had a collection account on my credit report and didn’t know what to do. After working with an ApprovalGUARD credit pro, I felt in control of the conversation and my financial situation because I had learned more about my credit."

ApprovalGUARD Testimonials, Russell from Buffalo, NY

Russell Buffalo, NY

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"I have an 800+ credit score and signed up for ApprovalGUARD to evaluate the service as a benefit for my company. Wow, was I surprised. I learned a lot about my personal credit that empowered me to better manage what I already have. Within 45 days, I optimized my credit profile and increased my own score 68 points!"