Frequently Asked Questions

Through ApprovalGUARD&trade, yes. Please see our security and privacy policy for details. ApprovalGUARD™ meets or exceeds industry standards in Internet information security protection. Click here to view privacy policy

Yes. In fact, you have a satisfaction guarantee with ApprovalGUARD. If you are ever dissatisfied for any reason, simply cancel your membership with no future obligation or cost.

Yes, In fact the ApprovalGUARD Credit Professional we initially assign to you is permanently dedicated to your account until you end your membership or request a different professional.

Seventy-six percent of consumers believe they have errors on their credit report. Eighty-six percent of Americans say they are nervous or apprehensive when they apply for new credit because they don´t understand it. The typical home owner overpays more than $287,000 on interest during their lifetime. Consumers with an excellent credit profile typically receive lower interest rates and better loan and credit card options. Thirty million Americans have medium to poor credit, which prevents them from being able to access optimal credit programs. ApprovalGUARD is designed to help consumers better manage their credit for enhanced proactive results. ApprovalGUARD is here because just buying a credit report is not enough!

ApprovalGUARD is not a credit correction or credit repair service. It is a personalized service that provides you with a dedicated credit professional and tools to help you better understand how your credit and scores work so that you may manage your credit for optimized results.

No. ApprovalGUARD is not a credit correction or credit repair service. It is a personalized service that provides a dedicated credit professional and tools to help you better understand how your credit and scores work so that you may manage your credit for optimized results. Your credit professional may provide you with specific information on how to handle certain situations on your credit.

Yes, but not in the traditional sense. Traditional credit monitoring systems electronically watch your credit for any activity and then notify you if an event occurs. They usually don't explain what’s happening or if it’s even relevant. This often leads consumers to spending time investigating routine occurrences. Additionally, credit monitoring services don't help you 1) understand your credit report, 2) review your credit report for accuracy, or 3) give help or tips for building or managing your entire credit profile. ApprovalGUARD provides LIVE interactive assistance from a dedicated credit professional who will assist you with all of these things.

Seventy-six percent of consumers believe they have errors on their credit report. Eighty-six percent of Americans say they are nervous or apprehensive when they apply for new credit because they don´t understand it. The typical homeowner overpays more than $287,000 on interest during their lifetime. Consumers with an excellent credit profile typically receive lower interest rates and better loan and credit card options. Thirty million Americans have medium to poor credit, which prevents them from being able to access optimal credit programs. ApprovalGUARD is designed to help consumers better manage their credit for enhanced proactive results. ApprovalGUARD is here because traditional credit monitoring is not enough!

This is a great question asked by CEOs, corporate presidents, leaders in the credit industry, and others just like you who have tried ApprovalGUARD. The answer is that regular people with high credit scores in the 800+ range try ApprovalGUARD for various reasons and are shocked at what they didn’t know. Click here to see what our customers have to say

ApprovalGUARD is perfect for college-age students. With it they learn the answer to an often neglected question at school or home: How do I build and manage my credit? ApprovalGUARD's credit professionals will guide them on the proper way to build entry-level credit. This can be the greatest gift you can give a young adult just starting their independent financial stage of life. Many students are already burdened with financial pressure because they are accruing credit card debt; in some cases, over $7,000 worth of it. The amount of students graduating college with derogatory credit is alarming at 43 percent!

ApprovalGUARD is similar to having an inexpensive insurance policy for your financial health. The service helps to prepare you in resolving issues before they even begin! ApprovalGUARD is a personalized service that provides a dedicated credit professional and tools to help you better understand how your credit and scores work so that you may manage your credit for optimized results. Credit doesn´t stop at loans and credit cards. Your credit can dictate which type of insurance rates you qualify for, and can even dictate where you live and where you work.

Many "first time" homeowners attempt to buy their first home without sound advice. They enter the home-buying process with no savings plan regarding the down-payment and have no idea of how their credit profile will affect their buying power. The ApprovalGUARD service will provide access to a dedicated credit professional, credit reports, and tools to help you first analyze your credit. The credit professional will then find ways to optimize it so that you have the best potential to meet the qualifications lenders look for when granting home loans.

Yes. Whether buying a home for the first time or the tenth time, doing so is one of the biggest investments you can make. The condition of your credit will be the deciding factor of to which home and interest rates you qualify for. Medium-grade credit can translate into a higher interest rate home loan with high payments. With ApprovalGUARD, you will learn about your credit and which actions could help to optimize your credit so that you may qualify for the best possible home loan programs and interest rates.

After you have signed into your online ApprovalGUARD Credit Locker, and agreed to the terms of our service, your first credit report will be ordered and available after three days. To view your credit reports online, simply sign into Credit Locker. You will have access to view the report in a highly-secured, encrypted website that meets all industry standards. We don’t recommend it, but you may also print your credit report if needed. To protect your information, we delete confidential data from your report such as your social security number and complete account numbers. For security reasons, we do not email or recommend emailing credit reports.

Yes, but we don’t recommend it. The true impact of the service is seeing and learning about your own personal credit. Not seeing the report it can greatly impact your experience. However, after you have participated in at least your first review online, it is possible upon request for future review sessions to be performed without you viewing the report.

There is no guarantee that you will improve your credit with our service. ApprovalGUARD is a personalized service that provides a dedicated credit professional and tools to help you better understand how your credit and scores work so that you may self manage your credit for optimized results. We find that every customer has a slightly different need when they join our service. Some are just starting to build credit, some are buying a home, and others have excellent credit and want to be empowered with more information. Your assigned ApprovalGUARD professional will ask you what your goals are and try to tailor our services to your needs.

Understanding your personal credit and how it works is just part of the overall ApprovalGUARD service. By working with an ApprovalGUARD credit professional you can take the right steps in managing your existing credit. Credit isn´t just about home loans, credit cards, and auto loans anymore. The well-being of your credit and financial profile can impact your ability to rent or lease a home, insurance rates, and may even dictate the results of getting a new job during a background check.

If your credit score is low it can literally cost you thousands of dollars in unnecessary paid interest do to the higher interest rates you will likely receive on home loans, auto loans, and credit cards. The typical American household overspends $287,000 in interest expenses throughout a lifetime. As much as 51 percent of what is spent on interest could be avoided simply by implementing strategic debt-management techniques. ApprovalGUARD clients are more aware of all issues and opportunities that could have a significant impact on their overall credit, debt, and equity situation, as compared to non-ApprovalGUARD consumers.

Once you have agreed to the terms of our service, we will order four credit reports for you over a one-year period.

Yes. As a result of getting your credit reports on a quarterly basis, you will have the opportunity to identify any unscrupulous and unauthorized activity to your identity and credit. However, ApprovalGUARD currently does not automatically alert you of immediate suspicious credit activity on your credit report. Rather, our program offers more credit reports to you in a one-year span than most credit monitoring services.