How To Use Credit Repair Services Louisiana

If you are struggling to repair bad credit, read the following article. In the following article, you'll learn helpful advice for finding credit repair services.

Local Companies

Financial Services
(504) 737-1421
7809 Airline Dr
Metairie, LA
Consumer Credit Counseling
(985) 626-1029
Mandeville, LA
Consumer Credit Counseling
(337) 537-2983
Fort Polk, LA
Consumer Credit Counseling
(504) 739-7980
Jefferson, LA
Consumer Credit Counseling
(337) 433-1333
Lake Charles, LA
Consumer Credit Counseling
(337) 234-8875
Lafayette, LA
Consumer Credit Counseling
(337) 463-2268
Deridder
Deridder, LA
Consumer Credit Counseling
(504) 365-7036
Gretna, LA
Consumer Credit Counseling Service
(985) 641-4158
1338 Gause Blvd
Slidell, LA
Consumer Credit Counseling Service of Greater New Orleans
(504) 529-2396
1215 Prytania St
New Orleans, LA

Credit repair services make confusing claims. They claim to be able to repair "bad" credit, leaving you with the impression that if your credit is legitimately bad, they can erase the bad data on your report. Many people with poor credit ratings buy into their claims, hoping to be able to increase their credit score in order to improve their chances of getting a loan, credit card or other form of credit. However, what they find out is that any credit repair service that promises to erase legitimate bad credit is either lying or engaging in illegal activity.

If you are considering using a credit repair service, there are several things you need to do and consider.
  1. Get a copy of your credit report from the three major credit reporting companies - Experian, TransUnion, and Equifax. These three agencies have set up a website that allows consumers to get a free copy of their credit report once every twelve months. To get your free report, go here.

  2. Carefully review your credit report to see where there is any inaccurate information. If you have a dispute with any of the charges on your report, you may want to consider calling a credit repair service.

  3. Before choosing a credit repair service, you should be familiar with The Credit Repair Organizations Act. This act was designed to protect consumers from credit repair services that take their money and give them little or nothing in return.

    A credit repair service is legally required to give you a booklet called "Consumer Credit File Rights under State and Federal Law" that explains the act.

    Some of the act's provisions state that a credit repair company cannot: charge for any services until they have been completed in full; provide any services until a contract has been signed, you have been given the booklet that explains your rights, and a three day waiting period passes; make any claims that are untrue.

    ...

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Author: Robin Shreeves

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