My Credit Guy is a full-service credit restoration agency that helps individuals across the United States to qualify for mortgages, car loans, and other types of financing. As a result of our standard of excellence and proven results, we have been designated the Top Rated National® Credit Repair Agency in the United States.

When you work with My Credit Guy as a consumer to improve your credit score, you will be able to:

  • Improve your financial record
  • Better qualify for loans
  • Learn long-term credit education and budgeting strategies
  • Save the thousands of dollars that poor credit costs you
  • Pay zero upfront fees

Learn more about our credit repair services for consumers, and how the My Credit Guy Team can help to improve your credit score today!

The My Credit Guy Process for Consumers

If you have been consistently turned away from loans, you start to wonder, “how do I fix my credit score?” Your answer is seeking credit help from My Credit Guy — with a free credit review and no upfront fees, you have everything to gain.

Here’s an outline of our credit restoration process for consumers. All you need to do is take the first step, and our team will work with you through the rest of the credit restoration process!

Step 1 — Start With a Free Credit Review

Submit your information through our secure server for a non-obligatory, free credit review.

Step 2 — Receive a Personalized Game Plan

Our team will create an individualized plan of action to improve your credit score.

Step 3 — Restore Your Credit

We work with all consumers to: clean up your credit report, negotiate settlements, teach long-term strategies, leverage positive credit

Step 4 — Get Started Today!

Contact My Credit Guy for your free, non-obligatory consultation.

The Cost of Bad Credit

If you have bad credit, you understand the challenges you face as a result. However, have you ever really calculated the estimated amount of money that a poor credit score is costing you? You might be shocked to find out just how much it is — it saves you thousands of dollars to seek credit help as soon as you can!

When you improve your credit, you avoid the costs associated with bad credit, including:

  • Inability to qualify for loans
  • High interest rates
  • Steep insurance premiums
  • Difficulty finding a job

How Much is Bad Credit Costing You?

Financial experts estimate that a less-than-perfect credit score can cost the average American tens of thousands of dollars over the years, since you’ll be paying higher interest rates on everything from mortgages to retail credit cards — if you can even obtain those things. One conservative estimate is that a lower credit score costs the average consumer $4,500-$6,000 per year or over $75,000 or more in a lifetime due to extra charges that are assessed simply because of your bad credit score.

What does this mean for your bottom line? When it comes to mortgages, auto lending, credit cards and insurance, the higher your score, the lower the interest rate you’re going to pay. Seek credit help today to save you thousands in the long-run!

Bad Credit and High Insurance Premiums

It is not only your credit cards, mortgages, and other loans that are impacted by poor credit scores. A low credit score can also cost you more when it comes to your auto and home insurance.

Insurers use credit scores as one of the key factors to determine what is known in their world as an insurance score. Some studies find that people with lower credit ratings file more claims, which obviously makes them higher-risk. Many theories have been tossed around as to why.

One of the more popular theories is that low-credit-score individuals are more likely to defer important maintenance on their cars, homes, etc. The impact of credit scores on insurance rates can vary depending on the company and state you live in. Some insurers only use insurance scores for screening new customers, while others routinely check the credit of existing policyholders when it’s time to renew. Consumers can improve their chances of qualifying for the best premiums available to them by keeping their score in the mid 600’s or above. Working with a credit restoration agency is one of the best ways to improve your credit.

See These Two Examples

What is Good Credit?

The scale of good versus bad credit is very standard across national credit agencies. If you aren’t sure what your credit score is, contact My Credit Guy and our team can help to point you in the right direction.

How Much Does My Credit Guy Cost?

Unlike other credit restoration agencies, we do not charge any upfront fees. This means that you don’t pay anything until your 30th day of service — your credit review, individualized game plan, and credit analysis are totally free.

After 30 days of service, your rate depends on whether you are an individual or couple.

  • $399 individual (which then drops to $89)
  • $699 per couple (which then drops to $109)

On average, it takes us only two-to-four months to improve our client’s credit. This means that we not only provide zero upfront fees, but we also have much faster turnaround times than other credit restoration agencies.

Our goal is simple: get you in, fix up your credit, and send you back to the lending table.

My Credit Guy Reviews

When it comes to credit restoration, most agencies stick to the same tried-and-true methods. My Credit Guy sets itself apart for the following reasons:

  • Zero upfront fees
  • Much faster turnaround times
  • Full transparency — contact us with any questions!
  • A commitment to customer service.

To hear it from our clients first-hand, check out these My Credit Guy reviews.

Work With My Credit Guy Today

My Credit Guy is the Top Rated National® Credit Repair Agency in the United States for a reason — we deliver results to our clients at a faster rate without skimping on customer service.

Contact us today for a free, non-obligatory consultation and you can decide from there whether My Credit Guy is right for you.