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Le Guardien

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Le Guardien, Credit Counseling Service, Lexington Avenue, New York, NY.

01/01/2026

Bòn Ane Nèf soti nan LE GUARDIEN

Nan non LE GUARDIEN, nou voye pi bon swè nou bay tout manm nou yo, patnè nou yo, ak kominote a.

Pandan n ap antre nan Ane Nèf la, nou remèsye nou pou konfyans nou, kolaborasyon nou, ak angajman nou pou pwoteksyon ak responsablite finansye. Nou swete ane sa a pote sante, pwogrè, estabilite, ak anpil opòtinite pou nou grandi ak reyisi.

Nou rete angaje pou kontinye pwoteje, edike, epi defann dwa finansye kominote nou an ak entegrite ak respè.

Nou swete nou yon Ane Nèf ki pwospè, pwodiktif, ak plen siksè.

Avèk respè,
Ekip LE GUARDIEN

12/09/2025

📌 BÈL ENFÒMASYON POU TOUT MOUN KI BEZWEN REAL ID (LISANS, PERMI, OSWA ID)

Pou w jwenn REAL ID, ou dwe pote dokiman ORIJINAL sèlman. Fotokopi PA aksepte.

⸻

✅ SA OU BEZWEN:

1️⃣ Kat Sekirite Sosyal
2️⃣ 2 Prèv Rezidans Eta New York (NYS)
+ youn nan opsyon sa yo:

⸻

🔹 OPSYON 1

✔ Paspò Ameriken ki valab

⸻

🔹 OPSYON 2

✔ Sètifika nesans Ozetazini
✔ 4 lòt dokiman, tankou:
• Bòdwo sèvis piblik
• Kat kredi / kat dèbi
• Fèy peyòl (pay stub)
• Sètifika maryaj
• Elatriye

⸻

🔹 OPSYON 3

✔ Paspò etranje ki valab oswa Green Card
✔ 1 lòt dokiman anplis

⸻

➡️ Pou plis enfòmasyon:
🌐 DMV.NY.GOV/REALID

📣 Sonje: Tout dokiman yo dwe ORIJINAL.

Le Guardien

12/07/2025

Rapò Biro Kredit

Dèt yo rapòte bay biwo kredi yo pa kreditè ak prètdè yo, ki anjeneral voye mizajou chak mwa sou estati kont ou, tankou listwa peman, nivo itilizasyon kredi, balans aktyèl, epi nenpòt reta oswa koleksyon. Enfòmasyon sa yo se sa twa gwo biwo kredi yo (Equifax, Experian, ak TransUnion) itilize pou kalkile nòt kredi ou.

Peman an reta, itilizasyon kredi ki wo, ak reta grav kapab afekte nòt ou negatif, tandiske peman alè ak itilizasyon kredi ki ba kapab amelyore li. Si ou jwenn erè nan rapò kredi w, ou gen dwa pou fè kontestasyon avèk biwo kredi a pou korije enfòmasyon ki pa egzak yo e petèt amelyore nòt kredi ou.

Le Guardien

11/11/2025

Kiyès Le Guardien ye
Le Guardien se yon òganizasyon ki baze sou lwa konsomatè, ki travay pou pwoteje epi edike moun sou dwa finansye yo. Nou kwè chak moun gen dwa pou yo jwenn jistis finansye, bon rapò kredi, epi pou yo rebati avni yo ak diyite.

Misyon Nou
Misyon nou se bay pèp la pouvwa yo tounen, lè nou montre yo kijan pou yo sèvi ak lwa pwoteksyon konsomatè federal yo — tankou Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), ak 15 U.S.C. §1681 — pou yo konteste enfòmasyon ki pa kòrèk, mande kont bay kreditè yo, epi rebati estabilite finansye yo ak konfyans.

Avèk edikasyon, defans ak aksyon, nou ap bati yon kilti litrasi finansye, responsablite, ak empowerment nan kominote a.

Fontaine Joseph
Le Guardien

10/28/2025

📉 The Effect of Late Payments on Your Credit Report

Did you know just one late payment can drop your credit score by 50 to 100 points? 😳
It doesn’t matter if you owe $50 or $5,000 — the credit bureaus see it the same way.

Here’s how it works:
✅ 30 days late — your lender reports it, your score drops.
⚠️ 60–90 days late — your risk level increases, credit score keeps falling.
🚫 120+ days late — your account can be charged off or sent to collections, and that stays on your report for 7 years.

💡 Example:
Maria had a 750 credit score and forgot a $100 payment for her credit card.
She paid it 45 days late — the bank reported it, and her score dropped to 680.
She learned the hard way that credit bureaus don’t forgive mistakes easily.

✅ Tip from Le Guardien:
If you ever miss a payment, call your lender immediately and ask for a “goodwill deletion.”
And remember, under 15 U.S.C. §1681 (FCRA), you have the right to dispute inaccurate or outdated late payments.

Follow Le Guardien — where we teach you how to protect, clean, and restore your credit using consumer laws. 💪

10/27/2025

A friend of mine just shared this picture with me — and it really touched my heart. 💔

Imagine working your whole life to own a home, only to lose it over an unpaid water bill. Something so small… yet it cost this man everything.

We live in a system where missing one payment or not understanding your rights can destroy everything you’ve built. That’s why we must stay alert, informed, and proactive.

💡 Here’s my advice to everyone:
✅ Always open your mail — don’t ignore letters from the city or utility companies.
✅ If you’re falling behind, reach out early and ask about payment plans or hardship programs.
✅ Stay educated about your rights — you might be protected and not even know it.
✅ Keep copies of every notice and receipt; paper trails save homes.

No one should lose their home over something like this. It’s time for lawmakers to make stronger protections for homeowners and for us, as a community, to spread awareness.

Let’s look out for each other. 🏡

Your servant,
Le Guardien.

10/24/2025

🚨 Credit Success Story! 🚨

These 4 accounts were reported as 90 days late, but today they’ve been updated to “Pays as Agreed” — all by using consumer laws! 💪

One of my mentees made this incredible transformation by applying the same legal strategies I teach right here on this page.

📘 Follow Le Guardien — I’ll teach you step-by-step how to remove late payments, clean your credit report, and take back control of your financial power, just like Bonjour! ⚖️

10/17/2025

📖 “My people are destroyed for lack of knowledge.” — Hosea 4:6

Let’s be real…
Most people’s credit is messed up NOT because they can’t fix it — but because they don’t know their rights 😳💥

They’ve got collections, charge-offs, late payments, and other negative items sitting on their credit report… thinking “that’s just life.”

⚠️ WRONG.

Under Federal Consumer Laws like the FCRA (Fair Credit Reporting Act) and FDCPA (Fair Debt Collection Practices Act)…
👉 You have the RIGHT to challenge inaccurate or unverifiable accounts
👉 You have the RIGHT to demand validation from debt collectors
👉 You have the RIGHT to hold credit bureaus accountable when they report false info

But here’s the catch: what you don’t know can hurt you.
When you don’t use the law, negative accounts stay on your report for years… killing your credit score, raising your interest rates, and blocking opportunities 😤💳🚫

💡 When you learn the law and apply it, you can get those accounts corrected or even DELETED. That’s how you take your power back 💪✨

🔥 This is exactly why I created Le Guardien — to help you learn your rights, clean your credit, and rebuild your financial future the RIGHT way.

It’s time to stop living in the dark and start fighting back with knowledge 📚⚖️

Fontaine Joseph

10/16/2025

“Hey family, it’s Fontaine, founder of Le Guardien.
Listen… I want you to know something that can change the way you look at your credit forever.

Under 15 U.S.C. § 1681 — also known as the Fair Credit Reporting Act — you have the legal right to challenge any inaccurate, outdated, or unverifiable information on your credit report. 📝

Here’s the power part 👇🏽
Once you dispute it, the credit bureaus have 30 days to investigate.
If they can’t verify it… it must be deleted. ❌

Don’t let fear or confusion stop you — the law is on your side. 💪🏾
Follow Le Guardien so I can teach you step by step how to clean, restore, and defend your credit using the law.

⚖️ Knowledge is power — now take yours back.”

Fontaine Joseph

10/15/2025

✨ WELCOME TO Le Guardien✨

Hi everyone 👋🏽
My name is Fontaine, and I’m the founder of Le Guardien.

I created this page because I’ve seen so many people in my community struggling with their credit. Too often, people don’t know where to go for help — or they feel ashamed or afraid to talk about it. Here, you don’t have to go through it alone.

If you have negative items like:
📌 Collections
📌 Charge-offs
📌 Late payments
📌 Tax liens
📌 Repossessions
📌 Bankruptcies
📌 Evictions
…and more — this page is for YOU.

We’re going to teach you how to delete these negative accounts using consumer laws like the FCRA (Fair Credit Reporting Act) and FDCPA (Fair Debt Collection Practices Act).

💪🏾 My goal is simple: to give you your power back.

Follow this page for:
✅ Step-by-step credit education
✅ Legal strategies to fight back
✅ Live workshops and real examples
✅ Community support & empowerment

📢 Take your power back. Learn your rights. Clean. Restore. Defend.

Address

Lexington Avenue
New York, NY
10021

Telephone

+12124571574

Website

facebook.com

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