Best Credit Repair Companies in O'Fallon

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GazRBrand Credit Repair & Realty logo
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GazRBrand Credit Repair & Realty

36 Four Season Center #113, Chesterfield, MO 63017
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  • Credit Monitoring
  • Credit Audit

Business Description

GazRBrand Credit Repair & Realty serves the people of O'Fallon from its Chesterfield office. It enables customers to select a monthly, itemized, or DIY program that best meets their needs. Its team members review reports to identify areas of concern, then write letters to credit bureaus to dispute incorrect information. They contact creditors on behalf of customers regarding items that need to be validated or corrected. Individuals who plan to buy a home within the next two to three years can get help from the team.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.0
Responsiveness
Friendliness
––
Helpfulness
Detail
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ShowME Credit Solutions logo
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ShowME Credit Solutions

506 W. Pearce Blvd, Wentzville, MO 63385
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  • Credit Monitoring

Business Description

ShowME Credit Solutions serves the needs of customers in O'Fallon and the surrounding communities. Its services include reviewing reports from three credit bureaus to determine the accuracy of entries. Its team members draw on their combined 10 years of experience in pursuing the removal of items that lower one's credit score, such as collections, late payments, liens, and charge-offs. The company's credit specialist, who is assigned to each client, provides information to teach consumers about credit building.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (39)
Yelp
5.0 / 5 (1)
The Credit Care Company logo
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The Credit Care Company

10805 Sunset Office Drive Suite 300, St. Louis, MO 63127
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

Business Description

The Credit Care Company offers solutions to residents of O'Fallon and the surrounding areas. Its credit repair process includes checking the accuracy of the information in credit reports, disputing erroneous items, developing spending plans, and providing educational materials. Its services include debt settlement, student loan consolidation, local car dealerships referrals, and credit building programs. It also offers business funding options for entrepreneurs. The firm has 25 years of experience in insurance, real estate, mortgage banking, and financial education.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (121)
Facebook
4.8 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Can credit repair companies remove bankruptcies?

A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

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