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Best Credit Repair Companies in O'Fallon

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored O'Fallon Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

10805 Sunset Office Drive Suite 300, St. Louis, MO 63127 Rating

Review Sources

4.9 (121)
4.8 (50)

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.

  • Credit Monitoring
  • Debt Consolidation
  • Credit Dispute

36 Four Season Center #113, Chesterfield, MO 63017 Rating

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.

  • Credit Monitoring
  • Credit Audit

506 W. Pearce Blvd, Wentzville, MO 63385 Rating

Review Sources

4.5 (39)
5.0 (1)

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.

  • Credit Monitoring


  • 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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