Do You Know What Specialty Reports Are Saying About You?

When taking on the arduous process of fixing your credit, it is important to not only fix what is reporting on your credit reports with the three major credit reporting agencies, but it is just as important to know what the consumer reporting agencies are saying about you as well. Not only that, but before shopping for necessities, such as, private medical, auto, homeowner's, disability, long-term care insurance, rental property, auto loans, consumer loans, installment loans, etc. you should know what information potential lenders will be looking for before approving your application.

Update or Violate!

Have you been trying aimlessly to update your personal information with the credit bureaus? I'm sure the majority of us have been down this road spending countless hours on the phone with Equifax, Experian and Transunion representatives, in often times, failed attempts to get them to take off outdated addresses, multiple name variations, misspelled names,...

Welcome to Credit Guardians Consulting

Welcome to Credit Guardians Consulting where our mission is to help you #RebuildRestoreRevive your credit....

ALTERNATIVE TRADELINES: NOT A SECRET!!!!

Improve your credit score with these alternative tradelines....

Dispute Everything? Absolutely NOT!

Before you begin disputing items on your credit report, you should read this first....

UNBELIEVABLE! A Prepaid Card that BOOSTS YOUR CREDIT SCORE!!!!!

The World's Only Metal Secured, Prepaid, Elite Rewards, Debit Card....The New Sound of Money!

To Settle or Not to Settle….

If you have gone through the motions of disputing a debt and the dispute results come back verified and validated, the next step would be to figure out how you will pay the debt. When deciding whether you will pay collection item in full or simply settle, consider this:

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There are two basic reasons not to file your dispute for credit reporting errors online. First, there is no paper trail, which could be essential to getting these items removed from your credit history. When you send a letter for dispute, it’s recommended that you send it certified with notice of receipt. This ensures you...

How to build your Emergency Fund

TGIF Guardians! We made it to Friday! As you know we are focusing this month on budgeting and saving. With that in mind, let's talk about why we are doing this. Fixing our credit and finances has to be strategic and planning is very important. As they say, if you fail to plan, you plan...

Preparing for Homeownership

Hey Guardians! The ultimate goal that seems to be the trend among all Guardians is Homeownership. This is a goal that we encourage all of our Guardians to achieve, because it is important that we have assets that we can pass down to our children. It is extremely important that we prepare accordingly as it...