Best Credit Repair Companies in Ofallon

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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 is a locally owned restoration firm serving O'Fallon and nearby locations. It helps consumers improve their credit status by providing them with an array of repair solutions. The company works closely with its clients to determine negative, inaccurate, and unverifiable information that can affect their credit scores. It deals with different issues involving late payments, bankruptcies, and charge-offs and assists individuals in filing disputes with credit bureaus. ShowMe Credit Solutions brings over a decade of industry experience.

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
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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  • Credit Monitoring

Business Description

The Credit Care Company is a family-owned firm that serves O’Fallon. It provides recovery solutions for clients looking to improve their credit situation. It works directly with creditors and reporting agencies and requests the removal of inaccurate items on reports. Its Credit Builder Program helps applicants with little or no credit history avail of multiple options to increase their current scores. Before establishing his business in 2008, founder John Boll worked as a mortgage consultant and credit restoration specialist.

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
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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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