Frequently Asked Questions

Guardian Angel Loan is a credit-building program offered by the Dove Foundation, a 501(c)(3) non-profit. We purchase credit monitoring on your behalf and structure it as a no-interest, no-fee loan. Your monthly payments are reported to all 3 credit bureaus, building your credit history.

The Dove Foundation is a 501(c)(3) non-profit corporation with over 44 years of community service. Guardian Angel Loan is a DBA (Doing Business As) program under the Dove Foundation umbrella.

Yes. It's structured as an installment loan that reports to Equifax, Experian, and TransUnion. The key difference is that it comes with zero interest, zero fees, and no credit check — because we're a non-profit, not a traditional lender.

No. Guardian Angel Loan does not perform a credit check. Our program is available to everyone, regardless of credit history.

This program is ideal for people who need credit monitoring (especially those working with a credit repair company) and want to simultaneously build credit. It's particularly effective for those with thin credit files or no installment loan history.

Credit Nanny is a full-featured credit monitoring product powered by SmartCredit. It includes 3-bureau monitoring, ScoreTracker, ScoreBuilder, ScoreBoost Technology, Money Manager, 10 Action Sets, and $1M fraud insurance. Every payment reports to all 3 bureaus as an installment loan.

Credit Nanny is $39.99/month. That's it — no interest, no origination fees, no late fees, no hidden charges. The Dove Foundation is a 501(c)(3) non-profit.

$39.99/month is the total cost. No interest, no setup fees, no late fees. What you see is what you pay.

None. No interest, no origination fees, no late fees, no hidden charges. The Dove Foundation is a 501(c)(3) non-profit — we're here to help, not profit.

Your monthly payments are reported to Equifax, Experian, and TransUnion as an installment loan. This adds positive payment history and improves your credit mix — two major factors in your credit score.

Payments are reported to all 3 bureaus after each successful payment is processed. Reporting through Saprio ensures accurate, timely updates to your credit file.

You keep your credit monitoring account and all the credit history you've built. The installment loan shows as "paid in full" on your credit report — another positive mark.

Contact us immediately if you're having trouble making a payment. We're a non-profit and we'll work with you to find a solution. There are no late fees.