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Frequently Asked Questions:
What is the cost of ScoreGuardian™ service to me?
As a personal client of an Authorized Credit Guardian, ScoreGuardian is provided at no cost to you. Only an Authorized Credit Guardian can provide the service to you and your personal representative will spend the time and counsel to make sure you always know what your credit score is and how you can increase your score.
How does my Authorized Credit Guardian™ provide this service to me at "No Cost"? What is the catch?...
There is no catch. Authorized Credit Guardian's pay for the credit report, which is a real lender credit report with a FICO score, for their respective clients. They do this because it adds value to the client relationship and all Authorized Credit Guardians are commitment to their clients. This is a dynamic and refreshing approach to ensure you have the best rates and terms at all times on any debt you will ever finance. All Authorized Credit Guardians are financial professionals with an extensive mortgage background and many of our providers are ranked in the TOP 100 in the nation.
Can I get this service elsewhere?
Yes, but it will cost you. The competition wants you to believe that you have to pay a monthly fee to receive your credit report and credit score.
- ApprovalGuard.com's Premium Service (closest to what ScoreGuardian provides) is $14.95 per month.
- Freecreditreport.com claims to be free but it is NOT, it costs $14.95 per month.
- ConsumerInfo.com cost $11.95 per month for their service.
- CreditReport.com cost $14.95 for a credit report.
Don't buy it... With our service you will never pay for a credit report again.
What is the main benefit of the ScoreGuardian™ service?
The main benefit of ScoreGuardian is to help you save money. Knowledge is power and by knowing your credit score and how to increase your score you will be able to negotiate better rates and terms on all your consumer debts. An Authorized Credit Guardian™ will work with you on an ongoing basis and provide you with up-to-date credit reports including a real lender FICO score, every 120 days. The higher your credit score is the lower your interest rates will be on your mortgage, auto, and installment loans. With a higher credit score you will likely also receive lower rates on your car and homeowners insurance.
Is ScoreGuardian a credit repair or credit monitoring service?
Neither. ScoreGuardian is not a credit repair service nor is it a traditional credit monitoring service. Most credit monitoring services provide your credit report to you but without professional counsel or your credit score. You will have the opportunity to see your credit report every 120 days provided to you by your Authorized Credit Guardian. If you have something on your credit report that is inaccurate your Authorized Credit Guardian will inform you.
Is my information secure?
All of your personal information is securely housed and managed by Erado (www.erado.com). Erado is an SAS70 certified professional services firm whose security and compliance protection standards exceed industry standards.
If I have great credit do I need this service?
Everyone can benefit from ScoreGuardian regardless of their credit. Identity theft happens to 1 out of 11 people and more than 70% of consumers have errors on their credit reports so using ScoreGuardian will help you keep your credit great. Being proactive is critical with your credit and ScoreGuardian keeps you aware of what is happening with your credit on an ongoing basis. If you ever have your identity stolen you will know about it quickly and thus be able to mitigate long-term damage. If there is an error on your report you will also know about it quickly. Your Authorized Credit Guardian is an industry professional who will assist you with questions and concerns about your credit anytime.
What is an Authorized Credit Guardian?
An Authorized Credit Guardian is a financial professional in the credit and mortgage industry who is dedicated to keeping their client's credit scores as high as possible at all times.
Why not just subscribe to a free service to get my credit report like Free Credit Report.com?
There are several issues with most free credit report companies:
- Most consumers forget to review their credit on a consistent basis.
- Most of the "free" credit reporting companies are not actually free at all.
- The free services do not provide you a credit score (FICO) with your credit report.
- You do not get the professional advice of an Authorized Credit Guardian with other service. If you have an error on your report what do you do now?
This is why ScoreGuardian customers will find the most value in our service and why ScoreGuardian is simply something you can not afford to be without.
ScoreGuardian customers will pay less interest on all their consumer debt throughout their lives by working with a credit, debt and equity management specialist — An Authorized Credit Guardian.
Does checking my credit lower my score?
ScoreGuardian is designed to have a negligible negative impact on your credit score. Every 120 days you will receive a new credit report from one of the three credit repositories. This way you receive only one credit inquiry per credit repository per year.
How do I gain access my credit report to view it?
ScoreGuardian.com users are able to view their credit reports and other documents at MyDocsCenter.com. With the help of your Authorized Credit Guardian you will also be able to upload any other documents for viewing at your secure personal page at MyDocsCenter.com.
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