Expertise.com

2024

Last updated:

Best Credit Repair Companies in New Orleans

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored New Orleans Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

228Reviewed

140Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
New Orleans, LA
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Restoration
  • Credit Repair

Why choose this provider?

Credit Saint is a credit repair company that serves clients in New Orleans and nearby areas. It educates clients about their credit score and how they can maintain it. The company's scope of service includes score analysis, inquiry targeting, Experian monitoring, creditor interventions, and score tracking. Through a credit monitoring account, Credit Saint provides clients with a full analysis and progress reports of their monthly credit history. It will go over specific details in the client's credit history and identify the areas that are damaging their credit.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (10602)
Yelp
2.2 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logoFEATUREDExpertise.com

Lexington Law

New Orleans, LA
  • Consumer Credit Services
  • Credit Repair

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (4065)
Google
4.8 / 5 (96)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1615 Poydras St. Suite 900, New Orleans, LA 70112
  • Credit Dispute

Why choose this provider?

Based in New Orleans, Abundant Business Solutions helps people improve their credit scores towards a brighter financial future. The professionals at this firm believe that clients' abundance is their business and that they can help by educating customers about making smarter financial decisions. The team reviews credit reports, identifies negative items like repossession and late payments, communicates with creditors, and writes to credit agencies. While the credit restoration is in progress, customers can access their accounts through a client portal for updates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2725 Tulane Avenue, New Orleans, LA 70119

Why choose this provider?

Damien Financial Services helps small businesses and individuals in the New Orleans area seeking to repair credit scores and settle disputes. The firm offers credit restoration services to help clients leverage their rights and ensure accuracy in credit reports. It guides clients through the credit repair process, from report evaluation to direct coordination with creditors. Other services under the firm's credit repair portfolio include score tracking and credit monitoring. The firm also has bookkeepers and tax experts who handle reports generation and other tax-related engagements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
650 Poydras St Ste 1400, New Orleans, LA 70130

Why choose this provider?

Honore Credit Consultants handles credit repair services in New Orleans. Its experts help in rebuilding and restoring credit scores to achieve creditworthiness by conducting investigations to dispute negative and inaccurate information in credit reports. The credit rebuilding process involves initial audits, creation of custom dispute letters, submitting disputes credit bureaus, logging the progress, and submitting additional disputes if reports still have discrepancies. The staff can help clients to take legal action when necessary by linking with attorneys or assisting in filing complaints with the CFPB. Honore Credit Consultants offers credit education, and it has various monthly payment plans customized to clients' needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
141 Robert E Lee Boulevard, New Orleans, LA 70124

Why choose this provider?

Essential Credit Solutions LLC is a credit restoration company servicing New Orleans. The firm aims to have the negative and incorrect records deleted from the clients' credit reports. It also provides proper guidance and training to customers through a variety of approaches in establishing and achieving credit goals. Some of its focus areas are late payments, negative settlements, closed accounts, charge-offs, and identity theft. Essential Credit Solutions LLC works with clients in financial goal discussion, dispute submissions, and investigations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3157 Gentilly Boulevard, New Orleans, LA 70122

Why choose this provider?

ASAP Credit Repair & Financial Education is a credit repair company serving the New Orleans area. The company's credit repair specialists use a step-by-step method that helps clients restore their credit score. They examine a client's credit report to determine if they are any erroneous or inaccurate items before they coordinate with credit bureaus and dispute these errors. After correcting these items, they help educate clients in increasing their credit score. The business has experience removing foreclosures and credit fraud.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Website
1 Galleria Blvd. Ste 1900, Metairie, LA 70001
  • Credit Dispute

Why choose this provider?

Excellence Credit Group is a service provider that helps New Orleans residents ease their financial burdens. It performs credit repair solutions such as one-on-one consultations, credit bureau coordination, financial report analysis, and credit score improvement services. Its credit specialists create customized action plans, remove inaccurate information on credit reports, and contact creditors and collection agencies to verify information. The company works with tax professionals, attorneys, real estate agents to help credit-challenged clients improve their FICO scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3301 17th st, Suite 7681, Metairie, LA 70002
  • Unconditional Money Back Guarantee

Why choose this provider?

Credit Aligned serves a wide range of clients, including individuals, mortgage brokers, attorneys, real estate agents, and tax professionals in the New Orleans metro. The business helps customers improve their credit scores by removing negative report items and providing in-depth credit analysis. Its case advisors and case analysts guide and educate customers throughout the entire process, as well as prepare documents for credit agencies. Credit Aligned's team also caters to foreign customers and can fluently speak Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (21)

Website
New Orleans, LA
  • Credit Monitoring

Why choose this provider?

Next Choice Financial provides credit repair services to the people of New Orleans. Its specialists help individuals improve their credit ranking and maximize their profiles by developing a personalized plan. They review clients' existing profiles and perform in-depth analyses to identify inaccurate, outdated, and unverifiable information. In addition, the company offers its customers resources and educational seminars to aid them in building or rebuilding their credit scores while they are in the repairing stage. A 24/7 client portal is also provided by Next Choice Financial.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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