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Find the Best Credit Repair Companies in Lafayette, LA

If you have a low credit score, consider working with a credit repair company to help raise your credit score and improve your overall financial situation. We researched the best credit repair in Lafayette to help you find the right company to get your finances back on track.

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Compare Top Credit Repair Companies

Credit Saint
Overall satisfaction rating
  • Available in Lafayette
  • 90-day guarantee
  • A+ BBB rating
  • Full credit restoration

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Learn More (478) 845-6310 Read More
Sky Blue Credit Repair
Overall satisfaction rating
  • Available in Lafayette
  • Negotiation guidance
  • 90-day guarantee
  • 15 disputes every 35 days

Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide.

Learn More (888) 751-6072 Read More
The Credit People
Overall satisfaction rating
  • Available in Lafayette
  • 32% avg. increase in credit score
  • Creditor interventions
  • Debt & inquiry validations

Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website.

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Overall satisfaction rating
  • Available in Lafayette
  • Starts at $99.95/month
  • 24/7 monitoring & alerts
  • Partner with all bureaus

Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide.

Learn More (833) 334-6899 Read More
The Credit Pros
Overall satisfaction rating
  • Available in Lafayette
  • Free consultation
  • Credit advice
  • Easy-to-read reports

Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide.

Learn More (844) 441-1397 Read More
Lexington Law
  • Available in Lafayette
  • 3 service repair options
  • Services start at $89.95
  • 24/7 online monitoring
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The need for credit repair in Lafayette


Louisiana ranks among the states with the lowest credit scores in the United States with an average score of 650. Ideal credit scores are anywhere above 700.

All consumers rely on their credit scores to apply for loans, make large purchases and prove they’re in a sound financial situation. Common reasons for poor credit scores in Lafayette include:

  • Late payments
  • Too many credit inquiries
  • An imbalanced debt-to-income ratio
  • Too many credit cards or loans

Credit repair companies work with you and the credit bureaus to dispute inaccuracies on your credit report, leading to an improved credit score. A higher credit score provides a multitude of benefits for Lafayette residents, including:

  • Not needing a cosigner
  • Lower interest rates
  • Increased chances of qualifying for a loan

Types of credit repair services

Depending on your credit situation, a credit repair company in Lafayette may assign a professional to work with you one-on-one or employ a full team to help improve your credit score.

These teams work on your behalf to negotiate with debt collectors, fix inaccuracies on your credit report and educate you on how to rebuild your credit score properly.

The entire process takes anywhere from one to six months, depending on the current status of your credit score and what tactics are necessary to improve it. Your chosen credit repair company in Lafayette should keep in constant communication with you throughout this process.

How much does credit repair cost?

Credit repair companies in Lafayette often require a monthly fee, ranging from $50 - $150 per month, to retain their services.

Some companies use a one-time flat fee up to $750, while others charge a fee per derogatory mark removed from your credit score. This per-mark fee varies depending on the work required to remove it.

How to avoid credit repair scams

Unfortunately, there are many credit repair scams on the market. Lafayette customers can avoid said scams by keeping an eye out for red flags from credit repair companies such as:

  • Continued robocalls or spam emails
  • Demanding a hefty upfront payment before services begin
  • Offering vague details about their credit repair services
  • Poor customer service
  • Little to no customer reviews or testimonials
  • Promising quick remedies without proof of solutions

The Credit Repair Organizations Act requires reputable credit repair companies to provide contracts in writing, offer cancellation opportunities to customers and not accept advance payments.

Credit Repair Company Reviews

Credit Saint

Credit Saint boasts an A+ rating from the Better Business Bureau. It offers customers a 90-day money-back guarantee and assigns a personal advisory team to each credit repair case. Reviews from local customers mention patient, empathetic staff members and desirable results.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Sky Blue Credit Repair has been offering credit repair services to Lafayette customers since 1989. In addition to personalized services, the company provides customers with an online portal to monitor their progress, communicate with team members and take advantage of other benefits. Customer reviews are positive, and many cite thorough credit resolutions and helpful team members as the reason why.

Sky Blue Credit Repair Learn More (888) 751-6072

The Credit People

The Credit People was founded in 2001 and has assisted more than 100,000 customers with improving their credit score. The company also offers free credit consultations for interested consumers in Lafayette. Customer reviews talk about the company’s convenient process and receiving consistent communication from its credit professionals.

The Credit People


CreditRepair.com boasts a 3-step credit repair process, which includes a free, 15-minute consultation. The company even provides customers in Lafayette with a score tracker so they can see how their credit score is improving. However, customer experiences vary, and some mention difficulty communicating with the company despite improved credit scores.

Creditrepair.com Learn More (833) 334-6899

The Credit Pros

Along with their A+ rating with the Better Business Bureau, the company works to educate consumers in Lafayette about their credit score and provide technology and professional expertise to improve it. Local customer reviews are positive and include stories of improved scores and excellent customer service.

The Credit Pros Learn More (844) 441-1397

Lexington Law

Lexington Law offers potential customers in Lafayette a 15-minute credit consultation that includes a one-on-one discussion with a credit repair professional. The company employs certified lawyers and paralegals to negotiate on your behalf with credit companies. Reviews cite improved credit scores as a result of the company’s services and professional team members.

Lexington Law