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Best Credit Repair Companies in O'Fallon

2023

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

Why choose this provider?

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

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

Why choose this provider?

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.
1.5
Responsiveness
Friendliness
––
Helpfulness
––
Detail
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Website
506 W. Pearce Blvd, Wentzville, MO 63385
  • Credit Monitoring

Why choose this provider?

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)
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Frequently Asked Questions

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process

  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • 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.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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