Question 1

How does credit repair work in Louisiana?

Accepted Answer

Credit repair in Louisiana involves disputing inaccurate or unverifiable items on your credit report, such as late payments, collections, or charge-offs, and working with creditors and credit bureaus to correct your file.

Question 2

Is credit repair legal in Louisiana?

Accepted Answer

Yes, credit repair is legal under federal law and Louisiana state law. Guard My Credit follows all Credit Repair Organizations Act (CROA) guidelines to ensure compliance and transparency.

Question 3

How long does it take to see results?

Accepted Answer

Most Louisiana clients see initial improvements within 30 to 60 days, with full programs typically running three to six months depending on the complexity of the credit file.

Question 4

What credit issues can Guard My Credit help fix?

Accepted Answer

We can help dispute and resolve inaccurate late payments, collections, charge-offs, repossessions, medical bills, and other negative items that may be dragging down your credit score.

Question 5

What are the payment options for Louisiana residents?

Accepted Answer

We offer Pay-As-You-Go with no long-term contracts, or a Flexible Financed Plan with payments reported to the credit bureaus through Denefits.

Question 6

Does Guard My Credit offer a money-back guarantee?

Accepted Answer

Yes, we offer a satisfaction guarantee. If we cannot remove or improve any items after a set period, we provide options for refunds or extended service at no extra charge.

Question 7

How much does credit repair cost in Louisiana?

Accepted Answer

Our services typically range from $39 to $59 depending on the plan selected. Pay-As-You-Go offers flexibility, while our Financed Plan provides predictable monthly payments.

Question 8

Can credit repair help me get approved for a home loan?

Accepted Answer

Yes. Many clients in Louisiana use credit repair to prepare for mortgage applications by raising their scores and improving their overall creditworthiness.

Question 9

Can Guard My Credit help with auto loan approval?

Accepted Answer

Yes, improved credit scores can directly impact your chances of getting approved for auto loans and may lower your interest rates.

Question 10

Do you report payments to credit bureaus?

Accepted Answer

Yes. Through our partnership with Denefits, financed payments are reported to Equifax after your first payment, helping you build positive credit history.

Question 11

Will credit repair remove bankruptcies or foreclosures?

Accepted Answer

While bankruptcies and foreclosures are harder to remove, we can dispute inaccuracies in how they are reported and ensure they fall off your report as required by law.

Question 12

Does credit repair also raise my credit score?

Accepted Answer

Yes, as negative items are removed and your positive history grows, most clients see their scores increase significantly over the course of the program.

Question 13

Can I do credit repair myself in Louisiana?

Accepted Answer

Yes, you can dispute items directly with credit bureaus yourself. Many clients, however, prefer professionals like Guard My Credit because we know how to structure disputes and manage the process more effectively.

Question 14

Do you offer credit education for Louisiana clients?

Accepted Answer

Yes. Beyond disputes, we provide education and tools to help you build credit responsibly, including resources on tradelines and loan preparation.

Question 15

How do I get started with Guard My Credit in Louisiana?

Accepted Answer

You can sign up online through our website, choose Pay-As-You-Go or Financed options, and a credit specialist will guide you through the next steps.

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