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(318) 555-0152

Fix What's Wrong. Wait Out What's True.

Credit repair and coaching on Line Avenue in Shreveport. We dispute real errors and tell you straight what only time can fix.

Check My ReportCall the Office
Credit coach pointing out an error on a client's report in the Line Avenue office Client next to the used pickup he bought after fixing two report errors
$0

Charged before the work is done. That is the law, and it is how we bill. See what it costs

What Is on Your Report?

Check what you see on your credit report. We sort it into three piles, the same way we do on your first visit. Nothing here is saved or sent.

Items on your report
A payment 30 days or more past due. Lenders report it at 30, 60 and 90 days.
A debt sold or handed to a collection agency. It can show next to the original account.
The lender wrote the debt off as a loss, usually after about six months of no payment. You may still owe it.
An account that isn't yours, a wrong balance or date, a paid debt still shown as owed, or the same debt listed twice.
Balances close to your card limits. Scoring models look at how much of your limit you use.
A lender pulled your credit because you applied. Checking your own report does not count.

You Can Dispute

    You Can Change Now

      Only Time Fixes

        The Rules We Work Under

        Under the Credit Repair Organizations Act, no fee is charged before the work is done. You get a written contract and can cancel within three business days.

        Accurate negative items cannot be legally removed. Anyone who says they can is breaking the law.

        You can dispute errors yourself for free at annualcreditreport.com and with each credit bureau.

        Card Balances Are the Fastest Fix

        70%

        $
        $4,200

        Most cards report the balance on your statement date. Paying before the statement closes lowers what gets reported. Scores vary by model, so treat these bands as a rule of thumb.

        What It Costs, Before You Ask

        Sample prices for this demo. A live site shows the office's real prices here.

        First visit and report reviewFree

        We go through all three reports with you and sort every item.

        Dispute work$79 a month

        Billed at the end of each month for work already done. Stop any month.

        Credit basics classFree

        First Tuesday of the month at a Shreveport library meeting room.

        Doing it yourself$0

        We will show you how to file disputes on your own. Many people don't need us.

        Coach on a call with a credit bureau, reading from a client's dispute letter
        Most disputes are letters and calls like this one. You can make them too.
        Evening credit basics class in a Shreveport community room

        A Free Class Once a Month

        One hour on reading your report, disputing errors and using cards without hurting your score. No sales pitch at the end. Bring a printed report if you want help with yours.

        Shreveport and Bossier Say

        4.8
        ★★★★★203 Google reviews
        Couple on move in day in their Shreveport rental house

        They found a collection that wasn't mine and got it taken off. The late payments were mine, and they told me so. We got the house.

        Brianna and Cole W. Bossier City

        She showed me how to file the dispute myself. Didn't charge me a dime for it.

        Terrence J. Shreveport
        Client paying a card bill on her phone from her front steps in Shreveport

        Paid my cards down before the statement date like she said. Two months later the car loan rate was better.

        Alicia R. Haughton

        Sample reviews written for this demo. Your site shows your real Google reviews, word for word.

        In Person or by Phone

        Shreveport, Bossier City, Benton, Haughton, Blanchard, Greenwood, Keithville, Stonewall and Minden. Office at 3020 Line Ave, Shreveport, LA 71104. hello@lineavenuecredit.example

        Asked and Answered

        Can you remove a late payment that really happened?

        No. Accurate negative items cannot be legally removed, by us or anyone. They stay up to seven years and count less as they age. We can help you ask the lender for a goodwill change, but they don't have to say yes.

        Can I dispute errors myself?

        Yes, and it is free. Get your reports at annualcreditreport.com and file a dispute online with each bureau that shows the error. The bureau usually has 30 days to look into it. We will show you how if you want to do it on your own.

        When do I pay you?

        After the work is done. The federal Credit Repair Organizations Act says we cannot charge before we have done what we promised, and we bill at the end of each month for that month's work. You get a written contract and can cancel within three business days at no cost.

        How fast will my score go up?

        We can't promise a number or a date. Fixing a real error can move a score within a month or two. Paying down card balances shows up after the next statement. Old late payments just take time.

        Do you offer free classes?

        Yes. A one hour credit basics class meets on the first Tuesday of each month at 6:00 in a Shreveport library meeting room. Bring a printed report if you want help reading it.

        Bring Your Report. We'll Read It Together.

        The first visit is free. Most take about 45 minutes.

        Call (318) 555-0152