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Best Credit Repair Companies in Metairie

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CJ The Credit Fixer logo

CJ The Credit Fixer

1 Galleria Boulevard, Metairie, LA 70001
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  • Credit Dispute

CJ The Credit Fixer is a credit restoration company that serves Metairie and the surrounding areas. It helps clients obtain good credit, allowing them access to various financial services, including better loan terms, home purchases, and employment. The company improves credit scores by reviewing a client's credit report and disputing any erroneous information found in it. It writes to credit bureaus, challenging these accounts and legally removing them from the client's record. CJ The Credit Fixer updates clients every 36 to 45 days.

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Essential Credit Solutions LLC logo

Essential Credit Solutions LLC

141 Robert E Lee Boulevard, New Orleans, LA 70124
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  • Credit Dispute

Essential Credit Solutions LLC is a credit restoration firm that is located in New Orleans. It also caters to clients in Metairie and nearby areas. It focuses on helping customers achieve their credit goals by removing inaccurate and negative items from their credit reports. These include bankruptcies, charge-offs, collections, closed accounts, and late payments. In addition, it disputes foreclosures, garnishments, identity theft, judgments, and tax liens. Essential Credit Solutions focuses on customer service by providing consistent credit updates and coaching to its clients.

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Excellence Credit Group logo

Excellence Credit Group

1 Galleria Boulevard, Metairie, LA 70001
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  • Credit Audit

Excellence Credit Group offers credit score repair and credit rebuild services to Metairie and Chalmette communities. The company's business approach includes credit consultation, credit auditing, credit repair, credit repair updates, and credit education. Excellence Credit Group works directly with the credit bureaus to remove unverifiable and inaccurate information, has credit score-building tools, and provides clients with complete web access to credit reports and updates. Its goal is to utilize every possible way to help achieve clients' credit goals.

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Honore Credit Consultants logo

Honore Credit Consultants

650 Poydras Street, New Orleans, LA 70130
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  • Debt Consolidation

Honore Credit Consultants serves clients in Metairie and nearby communities through its credit repair programs. These programs have services such as credit report analyses, debt ratio reviews, personalized dispute letters, and one-on-one sessions to review a client's account. Its staff also provides regular credit education throughout the span of the program. In addition, the company maintains a real-time credit monitoring service. Honore Credit Consultants is a member of the National Association of Credit Services Organizations.

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Nola Credit Repair logo

Nola Credit Repair

3350 Ridgelake Drive, Metairie, LA 70002
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  • Credit Dispute

Nola Credit Repair helps customer improve their credit scores through its credit consultation, in-depth analysis, and recommendations. It works with the credit bureaus and creditors to clean up customers’ past credit records by challenging the negative report items based on laws and legal means. Nola provides 24/7 access to customers’ accounts for them to track their present standing and updates and maintain positive records. It is committed to assisting customers in achieving and maximizing financial goals.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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