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Best Credit Repair Companies in New Orleans

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

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

Business Description

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 (5317)
Yelp
2.5 / 5 (23)

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 logo
FEATURED
Free Credit Report Consultation

Lexington Law

New Orleans, LA
  • Consumer Credit Services
  • Credit Repair

Business Description

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.
4.3
Facebook
4.3 / 5 (2869)
Yelp
1.5 / 5 (564)
Google
4.6 / 5 (380)

Price: Free Credit Report Consultation

Abundant Business Solutions logo
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Abundant Business Solutions

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

Business Description

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
Google
5.0 / 5 (2)
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
ASAP Credit Repair & Financial Education logo
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ASAP Credit Repair & Financial Education

3157 Gentilly Boulevard, New Orleans, LA 70122
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Business Description

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)
CJ The Credit Fixer logo
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CJ The Credit Fixer

1 Galleria Boulevard, Metairie, LA 70001
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Business Description

CJ The Credit Fixer is a credit restoration company serving the New Orleans area. It has a credit restoration specialist who is committed to providing personalized solutions that address each client's unique financial needs and goals. The company has experience disputing a wide range of items on a client's credit report, including collections, late payments, evictions, medical bills, student loans, and repossessions. It also helps clients manage their credit scores to ensure better loan terms.

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
Facebook
4.8 / 5 (57)
Google
5.0 / 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
Credit Aligned logo
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Credit Aligned

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

Business Description

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 (5)
Damien Financial Services logo
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Damien Financial Services

2725 Tulane Avenue, New Orleans, LA 70119
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Business Description

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
Essential Credit Solutions LLC logo
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Essential Credit Solutions LLC

141 Robert E Lee Boulevard, New Orleans, LA 70124
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Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Excellence Credit Group logo
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Excellence Credit Group

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

Business Description

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
Honore Credit Consultants logo
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Honore Credit Consultants

650 Poydras St Ste 1400, New Orleans, LA 70130
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Business Description

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

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
Lexington Law logo
Visit WebsiteWebsite

Lexington Law

2401 Westbend Pkwy Ste 1035, New Orleans, LA 70114
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Business Description

Lexington Law is a credit repair company in New Orleans that serves as an advocate for consumers who want to restore their credit rating. Its legal team understands consumer credit laws and regulations. Since 1991, it has helped clients remove millions of negative items from their credit reports. Credit repair specialists work directly with clients to review all three major credit reports and to detect misleading, outdated, and incorrect information. Lexington Law sends formal dispute letters to applicable credit bureaus and handles the dispute process to completion. It also provides clients with credit counseling services and recommends steps clients can take to start rebuilding 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.
4.3
Facebook
4.3 / 5 (2701)
Google
1.0 / 5 (1)
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
Next Choice Financial logo
Visit WebsiteWebsite

Next Choice Financial

New Orleans, LA
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  • Credit Monitoring

Business Description

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
Nola Credit Repair logo
Visit WebsiteWebsite

Nola Credit Repair

3350 Ridgelake Dr Ste 200, Metairie, LA 70002
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Business Description

Nola Credit Repair is a credit repair company that serves New Orleans and the surrounding areas. The team works with credit reporting agencies to challenge negative items affecting otherwise good credit scores. It provides credit consultation and analysis to develop a workable repair plan. The repair professionals leverage consumer protection laws to challenge discrepancies on credit reports and create personalized dispute options for each client. They submit challenge letters to creditors and credit bureaus on the client's behalf. Customers can access their credit score improvement progress anytime via the online portal. The staff provides credit education services to help customers maximize their scores, achieve financial goals, and maintain good 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.
5.0
Google
5.0 / 5 (7)
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Frequently Asked Questions

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

Read all FAQs