Credit repair focuses on identifying and disputing inaccurate items on your credit report. Coaching, on the other hand, is about teaching you how to build lasting credit habits. With coaching, we walk beside you to create a personalized plan—covering budgeting, credit usage, debt management, and more. It’s not just about fixing the past—it’s about preparing you for a better financial future.

Every credit journey is unique. Some clients begin seeing positive changes in as little as 30–60 days, especially when paired with consistent action and guidance. Coaching is about sustainable growth—so while we’ll look for quick wins, our goal is to help you build a long-term foundation that lasts well beyond the score boost.

Absolutely. Your privacy and trust are our top priorities. Every session is 100% confidential. As a family-owned business, we treat your personal information with the same care we’d want for our own. Nothing you share will ever be disclosed to third parties without your permission.

Yes! In fact, we encourage it. We specialize in helping families work together to build stronger financial habits. Whether you're a couple planning for a home or a family rebuilding after hardship, our coaching is designed to support group accountability and shared goals. Money conversations are better when everyone’s on the same page—and we’re here to guide that process.

That’s perfectly okay—and actually more common than you think. Many of our clients come to us after working with other credit repair companies and not getting the results or support they hoped for. At Guardian Financial, we don’t just dispute items; we educate, coach, and empower you to take control of your credit long-term. Whether you’re picking up where another service left off or starting fresh, we’ll meet you exactly where you are and build a plan that works for you.