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Why Choose Us
25+ Years of Experience
NO CONTRACTS
Experts in Credit repair and loans
Over 25,000 Satisfied Clients
LOWEST PRICED IN THE MARKET
A+ RATED ON BETTER BUSINESS BUREAU
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Why Louisiana Residents Trust Guard My Credit
Credit problems don't discriminate. Whether you're in New Orleans, Baton Rouge, Shreveport, Lafayette, or Lake Charles, the same negative items show up on credit reports across Louisiana every single day. Collections from medical bills. Late payments from a rough stretch. Charge-offs that are years old but still dragging the score down.
Most people don't know those items can be disputed. A lot of them shouldn't even be there.
Guard My Credit works with Louisiana residents across the state. We pull your full reports from Experian, Equifax, and TransUnion, go through every account, and dispute anything that is inaccurate, outdated, or unverifiable. We've helped over 25,000 clients nationally see real score improvements, and Louisiana clients are no exception.
No contracts. No gimmicks. Just the work.
Our Services
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What's Hurting Louisiana Credit Scores
Louisiana consistently ranks among the states with lower average credit scores. There are real reasons for that: high medical debt rates, hurricane-related financial disruptions, and a cost of living that makes it harder to stay current on accounts during tough months.
The good news is that a lot of what's pulling scores down in Louisiana is disputable. Medical collections under $500 no longer appear on credit reports under updated bureau rules. Accounts affected by declared disasters may have legal protections. Old collections past the reporting window should have already fallen off. If they haven't, that's an error, and errors can be removed.
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Our Process
Free Consultation
We start with a free review of your credit situation. No commitment required. You walk away knowing exactly what's on your report and what can realistically be disputed before you spend a dollar.
Assessment and Dispute Plan
Once you're ready to move forward, we build a dispute plan specific to your report. Every client's file is different. Some have three items to address. Some have twenty. We know how to handle both.
Active Disputes
We handle everything from this point. Dispute letters go out to the bureaus and creditors. We follow up. When bureaus come back with a generic response, we push back. Most Louisiana clients start seeing changes within the first 30 to 45 days.
Credit Education and Rebuilding
Removing bad items is one side of the process. The other side is building a stronger profile going forward. We walk every client through what to do after disputes are complete so the score keeps moving in the right direction.
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