Guidewel Financial Solutions is a credit counseling service that works in a number of different areas in the credit industry, including student loans bankruptcy, housing, and more. They offer consumer education services as well as standard credit repair options.


The first advantage they have is they have solid consumer information regarding credit, credit services, the credit reporting process, and more. This gives them a boost because our research shows that companies that put more effort into consumer information and education generally have better marks when it comes to customer service and customer satisfaction. Moreover, consumer education shows a greater focus on helping the consumer with their financial situation, and less like the credit repair company views itself as merely another business.

Guidewel Financial Solutions also impressed us in that they received good marks for customer service. Many of the best credit repair companies we reviewed showcased solid customer service, which is important because the credit, credit reporting, and credit repair processes can be so confusing.

The last pro we’d like to note is that they have a clear list of the different credit repair services they offer. This is helpful for consumers because they can make sure the company can assist them without wasting valuable time in a meeting or on the phone to get a list of services. Moreover, a clear services list lets consumers be confident that they are getting the best value from the credit repair services because it makes for easy comparisons to other companies in their area.


Guidewel Financial Solutions does have some downsides, for example, they don’t have a clear description of their rates and fees on their website. This forces customers to reach out for more information, which is a sales tactic. The result is that consumers may lose valuable time in meetings or on the phone only to find out that they do not like or want the services the company has to offer. This lack of transparency also corresponds to lower customer satisfaction ratings and costs the company points in our review.

Guidewel Financial Solutions has another problem, namely that they don’t have any kind of refund policy based on the quality of their services or the results they are able to deliver. It’s especially troubling in the credit repair industry because credit repair customers are not likely able to afford to spend money on a service they didn’t receive any benefit from. As a result, this moves them down a bit in our rankings.

Guidewel Financial Solutions also gets bumped down a few rankings because they don’t offer help with debt collections. While this isn’t strictly necessary to be considered one of the best credit repair services, it does go a long way in helping consumers, and simply making the phone calls and letters stop can be worth the cost of credit repair services.


Guidewel Financial Solutions is a good choice if you’re more interested in education than you are in having a company take action for you. They don’t have the chops to break into our top credit repair firms quite yet though, we’d like to see a more-in-depth explanation of their services and process before we can move them up higher in the rankings.