CREDITGUARD OF AMERICA, INC.
FORT LAUDERDALE, FLORIDA

Our debt management program helps consumers get back on track with their bills by consolidating their unsecured debt into one easy monthly payment. Our credit counseling agency advises consumers on personal budgeting, through home equity loans, credit card promos and filing bankruptcy. Any one of these credit solutions can help consumers get through financial difficulties. Our non-profit credit counseling agency provides additional educational resources and materials on credit management, debt collection and money management. Credit and money management is key to creating a stable, financial future. For consumers in debt collection, it is important for them to know their consumer rights and how to spot collection harassment so debt collectors don’t take advantage. Our credit counseling company encourages consumers to enhance their personal financial literacy through our educational resources. CreditGUARD of America has members throughout the United States and works with most major creditors. Our non-profit credit counseling agency receives most of our support from voluntary fairshare contributions by creditors participating in the debt management program. Most of our debt counseling services are free to consumers. There are fees associated with the that are used to help offset administration costs. CreditGUARD of America has an excellent banking record with Bank of America, a major FDIC banking institution handling all our accounts including a Trust account that is used to disburse members’ funds from the debt management program. Our non-profit credit counseling agency annually disburses in excess of One Hundred Million Dollars ($100,000,000.00) to members’ creditors through the Trust account. CreditGUARD of America is bonded to meet the requirements of the State of Florida and all other states where business is conducted. CreditGUARD of America, Inc. maintains over 7,315 square feet of office space in Boca Raton, Florida, which is leased for the time period of five years. Our credit counseling agency has over 100 user network computer systems with state-of-the-art technology to better serve our members and creditors. CreditGUARD of America, Inc. employs over 35 people to meet the needs of consumers. By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply. to consumers throughout the United States. Below are some of the credit counseling testimonials** from consumers we’ve helped: “To say that you helped my family and me through some very difficult times would be an understatement. During this period our credit rating slowly but surely improved to the extent that I was able to purchase two automobiles with loans and to refinance my home twice, each time with a far better interest rate. We feel like we could be a “poster” family for CGA!!!” – “I’ve been looking for a company to help pay off my credit cards for a while and I’ve found one now. The thing I like the most is you get rid of the cards for good. I’ve tried a consolidated-debt loan before however I kept the cards after paying them off, but that just tempted me to use them again. This helps me get rid of them for good. Thank you!” – “I have saved hundreds of dollars on interest alone. Also I didn’t have to file for bankruptcy, so that was a plus without a doubt. Thank you, Credit Guard for being there when I needed help.” – “They helped me consolidate ten credit cards/department store cards into one payment and rebuild my credit rating.” – “At the time I joined up with CGA I was at the lowest point of my life. I had no idea how I was going to get these credit cards paid off. Thank you so much helping me get through those troubled times.” – “CreditGuard helped stop the bill collectors from calling me 3 times a day. And gave me a chance to enjoy the days again and not worry every time my phone rings. – “I probably would have had to file bankruptcy or sold our family business to pay our debts. Credit guard has helped immensely!! I have less than a year and my debts will be paid…CGA has saved my life!!” – “It has helped us pay a never ending debt which no matter how we tried we couldn’t win! Instead of fighting day to day, week to week, month to month about money; fighting a never ending battle to pay off our cards. We are now paying off our cards…and do not fight over money problems any more! Thank you sincerely!” – “[CreditGUARD of America] turned my credit status around. I didn’t have to have a co-signer when I bought my new car. I was able to quickly & efficiently pay off bills without collectors! Thank you!” – today, and let our credit counseling agency help you with your debt problems. Members average over 75% savings on interest and fee payments.* **The above credit counseling testimonials have been taken from our 2000 to 2004 client surveys. CreditGUARD of America only lists the initials of our members to protect their privacy. Q. Who is CreditGUARD of America, Inc.? A. We provide Q. What credentials does CreditGUARD of America, Inc. have? A. CreditGUARD of America is a member of Better Business Bureau (BBB), and Palm Beach Chamber of Commerce. In addition, CreditGUARD of America is certified ISO 9001, which is a worldwide quality assurance standard. Q. How is CreditGUARD of America, Inc. funded? A. CreditGUARD of America receives primary support from voluntary fair share contributions. These contributions are donated by creditors who participate in our A. CreditGUARD of America, Inc. requires credit counselors to successfully complete a comprehensive credit counseling program and pass Credit Counselor Certification by National Institute for Financial Education of America (NIFE).