FAQ's

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Frequenly Asked Questions

Is this a credit correction service?
No. ApprovalGUARD™ is not a credit correction service however it provides many of the same benefits because the clients credit is reviewed every 90 days with a qualified coach who can direct you on the methods for making your credit the best it can be.
Why do I need this if I’m not looking for a loan?
The inability to qualify for mortgages, good auto loans or the best credit cards can be devastating, not only to your personal finances but to the overall economy as well,” warns William Hillestad, mortgage industry expert. “Through strategic credit, debt and equity management, the ApprovalGUARD™ service continuously builds and protects, not just your credit, but your overall ability to qualify for the very best loans at the lowest rates for all forms of credit.
Is this another one of those Credit Monitoring Services?
No. ApprovalGUARD™ is not a credit correction service however it provides many of the same benefits because the clients credit is reviewed every 90 days and any problems can be proactively addressed with your coach.
Is my information safe and will it be protected?
Yes. Please see our privacy policy for details. ApprovalGUARD™ does not sell information. Your information is safe using the industry standards.
How much can my credit rating really cost me?
Thousands of dollars in unnecessary paid interest. The typical American household overspends $287,000 in interest expenses throughout a lifetime. As much as 51% of what is spent on interest
could be avoided simply by implementing strategic debt management techniques,” explains Hillestad. “Our clients are aware of all issues and opportunities that could have a significant impact on their overall credit, debt and equity situation.
Why do I need this if I have great credit already?
To keep it great! ApprovalGUARD™ customers receive a quarterly credit and debt assessment by a certified qualification coach. This keeps customers in a constant state of readiness, called Perpetual Pre-QualificationTM enabling them qualify for the best loan programs. The customers qualification abilities are then translated into financial opportunities. Whether you need to qualify for credit cards, auto loans, purchasing a home, or refinancing you save money. Your credit, debt and equity is strategically restructured to minimize unnecessary interest expense.
Will this help protect me from identity theft and credit fraud?
No. Approval guard is not a credit monitoring service however it provides many of the same benefits because the clients credit is reviewed every 90 days and any problems can be proactively addressed with your coach.
How does this service really work?
Every American needs to be working with a credit, debt and equity management specialist – a certified Mortgage Professional, not just a loan sales person.

Every person needs to manage their credit, debt and home equity more strategically in order to optimize both their current credit and future financial situation. Not doing so would be the equivalent of needlessly throwing away tens or hundreds of thousands of dollars.

Four times per year you will receive a copy of your credit report by secured email or U.S. Mail. You will be contacted by your personal coach for a phone consultation. Your credit score will be explained, accounts reviewed and other items addressed. By focusing not just on the client’s credit, but their overall credit worthiness and loan qualification, the client, as a natural consequence will end up not just qualifying for better mortgages, but also for other forms of debt such as car loans and credit cards etc. Other service can also be based on credit worthiness, such as insurance, in some states. It can also have an effect on one’s ability to gain employment. In many cases, employers are screening potential job applicants’ credit as part of the job screening process.
Can’t an ordinary loan officer do this for me?
By the time most consumers talk to a loan office they are in need of a loan, credit card or auto loan immediately. Many times they find out, too late, that their credit is effecting the quality of loan they might receive. All too often there is not enough time to address the issues and the consumer is forced to take a substandard loan or interest rate in order to complete their transaction.

ApprovalGUARD™ customers receive a quarterly credit and debt assessment by a certified qualification coach. This keeps customers in a constant state of readiness, called Perpetual Pre-QualificationTM enabling them qualify for the best loan programs. The customers qualification abilities are then translated into financial opportunities. Whether you need to qualify for credit cards, auto loans, purchasing a home, or refinancing you save money. Your credit, debt and equity is strategically restructured to minimize unnecessary interest expense.