Welcome to Bayou Credit repair
A Louisiana Credit repair company
Let us start removing your negative items and start Rebuilding Credit today!
REPAIR, REBUILD AND RELAX...
Bayou Credit Repair is the company that puts our money where our mouth is and only charges a fee when items are deleted, removed, or repaired from your credit report. With our Repair, Rebuild, and Relax Credit Repair Program you will no longer have to use other expensive credit repair companies that charge monthly and don’t even produce results. We are so confident in our advanced disputing tactics that we will allow you to pay for your deletions after you actually see our results and we even give you a 100% money back guarantee to back it up just so you can relax.
We Have Removed
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When an account is sent to a collection agency, it’s noted on your credit report as a delinquent account. This can severely lower your credit score, as it indicates a failure to pay debts.
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Debt buyers purchase delinquent accounts from creditors and attempt to collect the debt. These accounts appear on your credit report as collection items, further damaging your credit score.
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Although no longer included on credit reports, unpaid tax liens previously had a significant negative impact on credit scores by showing a failure to pay taxes owed to the government.
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Medical debts sent to collections can lower your credit score, but newer credit models may weigh these less heavily than other types of collections, especially if paid off.
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When a creditor deems a debt uncollectible, it’s marked as a charge-off on your credit report. This is a major derogatory mark that can significantly lower your credit score.
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Failing to fulfill a lease agreement can result in the landlord reporting the unpaid balance to collections, negatively impacting your credit report and score.
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Repossession of a vehicle or property indicates a failure to repay a secured loan. This results in a major derogatory mark on your credit report, leading to a significant drop in your credit score.
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Legal judgments for unpaid debts used to appear on credit reports, heavily impacting credit scores. While they no longer show up, they can still lead to wage garnishments or bank levies.
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A foreclosure occurs when a mortgage lender takes possession of a property due to nonpayment. This stays on your credit report for up to seven years and drastically lowers your credit score.
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Filing for bankruptcy can stay on your credit report for 7-10 years, depending on the type. It’s one of the most damaging items to your credit score, but it also offers a fresh start by discharging certain debts.
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Fraudulent accounts opened in your name can harm your credit score if not disputed and removed promptly. Identity theft can lead to multiple negative marks, making it crucial to monitor your credit regularly.
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Incorrect names on your credit report can be a sign of mixed files or identity theft, leading to erroneous information affecting your credit score. Correcting these inaccuracies is essential for maintaining a clean credit history.
Fast Track your Journey to Better Credit
Transparent and Affordable Services: No Hidden Fees, Just Results You Can Trust. Dedicated Support from Credit Specialists: We’re Here to Answer Your Questions and Provide Guidance.
How Our Process Works?
Fast Track Your Journey to Better Credit: Our Efficient Process Gets Results Quickly. Our process involves analyzing your credit report, creating a tailored action plan, disputing inaccuracies, and monitoring progress to ensure lasting results.
Credit Report Analysis
Thoroughly review and analyze your credit reports to identify errors, inaccuracies, and areas for improvement.
Credit Report Analysis
Thoroughly review and analyze your credit reports to identify errors, inaccuracies, and areas for improvement.
Credit Report Analysis
Thoroughly review and analyze your credit reports to identify errors, inaccuracies, and areas for improvement.
Credit Report Analysis
Thoroughly review and analyze your credit reports to identify errors, inaccuracies, and areas for improvement.
FREE Consultation
Let us start removing your negative items and start Rebuilding Credit today!
Is Bad Credit Holding You Back?
You might think bad credit only keeps you from getting a credit card or loan, but it goes further than that. Bad credit can leave you homeless, carless, and jobless. That’s because more and more businesses are using your credit to make decisions about you. Still not convinced it’s time to get your credit act together?
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If you have bad credit, you’ll have a hard time getting credit cards, which means you’ll end up paying cash for everything. It may not be a nuisance until you need to do something like renting a car and you will have to pay an extra deposit if you don’t because you don’t have a credit card.
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Generally, as you demonstrate you can pay your bills on time, your creditors will increase your credit limits. Always remember, a credit card issuer will check your credit score before increasing your credit limit. A bad credit history could even lead to getting your credit limits cut which would hurt your credit score even more by raising your credit utilization.
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Repairing your credit includes paying off those debt collection accounts. Until you do, you face relentless calls and letters from debt collectors. While you can take action to stop debt collector calls, collection accounts often move from one debt collector to another. When a new collector gets your debt, you’ll have to go through the process of sending letters to stop the calls all over again.
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Not only can bad credit keep you from buying a home, it can also keep you from renting an apartment. Many landlords now check credit to determine the likelihood that you’ll be late on your rent. Bad credit could get your rental application denied.
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Home-ownership has always been the American Dream. Bad credit is the nightmare that keeps you from realizing that dream. Many banks won’t finance a mortgage until you’ve repaired your credit and those that will approve you with poor credit will charge you a significantly higher interest rate.
Credit repair program highlights
- Full Credit Audit Equifax, TransUnion, Experian
- No Monthly Fees is More Affordable
- Our Pricing Is Simple, Pay After Deletion
- Advanced Tactic Disputes and Strategies
- Comprehensive Credit Audit every 45 days
- Personalized Strategy: Customized credit improvement plans.
- Metro 2 Compliance Disputing: Leverage industry-standard disputing methods.
- Factual Disputing: Use factual inaccuracies to challenge negative items.
- FCRA Disputes: We challenge inaccurate, unverifiable, and untimely information under the Fair Credit Reporting Act (FCRA).
- Referral Program: Receive a $25 credit toward deletion fees for each client you refer to us.
Just call and ask us “How Can I Fix My Credit?”
Credit Repair
See how we can help to improve your credit score.
Credit Repair
See how we can help to improve your credit score.
Building Smart Credit Solutions
- Personalized Strategy: Customized credit improvement plans.
- Metro 2 Compliance Disputing: Leverage industry-standard disputing methods.
- Factual Disputing: Use factual inaccuracies to challenge negative items.
- FCRA Disputes: We challenge inaccurate, unverifiable, and untimely information under the Fair Credit Reporting Act (FCRA).
- Referral Program: Receive a $25 credit toward deletion fees for each client you refer to us.
HELPING GOOD PEOPLE WITH BAD CREDIT
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