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Best Credit Repair Companies in St. Louis

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

St. Louis, MO
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint offers to help clients in St. Louis repair and rebuild their credit. With more than 15 years of experience, it provides consumers with a credit monitoring system while examining their credit histories for inaccurate, incomplete, outdated, and unverified information. These include collections, charge-offs, foreclosures, judgments, and repossessions that the company challenges or negotiates. It also counsels clients on the impact of credit scores on financial activities and on the ways to utilize positive reports.

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.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

St. Louis, MO
  • Consumer Credit Services
  • Credit Repair

Business Description

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

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.
4.3
Google
4.3 / 5 (4182)
Facebook
4.3 / 5 (2869)

Price: Free Credit Report Consultation

Credit Communications Group logo
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Credit Communications Group

820 S Main St STE 204, St Charles, MO 63301
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Business Description

Credit Communications Group assists consumers in St. Louis who are struggling with a low credit score. The agents at this firm offer total restore plans that can guide clients to build better credit within 365 days. They strive to educate consumers in making financially-informed decisions to obtain lower interest rates on their loans. Credit Communications Group is well-informed about the FCRA and Fair Debt Collection regulations to determine and negotiate any disputes with creditors.

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
Facebook
5.0 / 5 (2)

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
Elite Credit Services logo
Visit WebsiteWebsite

Elite Credit Services

801 South 5th Street, Saint Charles, MO 63301
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Business Description

Elite Credit Services is a company that offers credit repair and restoration services in St. Louis and the surrounding areas. The professionals from this firm offer financial plan consulting, credit score and report evaluation, verification and debt validation, and settlement-payment negotiation. The company works directly with collectors, courthouses, and credit bureaus. Successful referral partners include Citizens Bank, Coldwell Banker Home Loans, West County Auto Plaza, Re/Max Today, and USA Mortgage.

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
Facebook
5.0 / 5 (7)
Google
1.0 / 5 (1)
Freedom Credit Solutions logo
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Freedom Credit Solutions

1610 Des Peres Road, St. Louis, MO 63131
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Business Description

Freedom Credit Solutions is a credit repair company based in St. Louis. The firm has over two decades of experience. It educates clients on how to improve their credit standing to achieve personal financial goals. It provides credit counseling and credit repair services to people trying to increase their credit scores, improve their chances of getting approved for a loan, or get better insurance rates. Freedom Credit Solutions has also partnered with real estate and mortgage firms in its surrounding areas.

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.
4.4
Facebook
4.3 / 5 (17)
Google
4.5 / 5 (16)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mid America Debt Relief logo
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Mid America Debt Relief

2 Cityplace Dr Ste 200, Saint Louis, MO 63141
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Business Description

Mid America Debt Relief has provided individuals and families with credit repair services in Saint Louis since 2016. The company helps clients with collections, private student and personal loans, and credit card debt. It improves credit scores by providing solutions for bankruptcy and late payments. The credit experts handle harassing calls from creditors through several programs, such as consolidation loans and debt management, settlement, and validation. Clients with unsecured debts have access to debt relief experts who help them identify suitable personalized solutions. Mid America Debt Relief provides financial advice and assists with debt relief to set individuals on the road to financial freedom.

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.
4.8
Google
4.6 / 5 (25)

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
PCS Debt Relief logo
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PCS Debt Relief

16024 Manchester Rd Ste 200, Ellisville, MO 63011
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Business Description

PCS Debt Relief is a debt company that serves the greater Saint Louis region. Its credit repair program is staffed with experts who review credit reports, identify problems, develop a plan to challenge any discrepancies, and negotiate with the credit bureaus. The company's professionals have experience in handling foreclosure, bankruptcy, and loan payment issues. They provide multiple debt relief options to remove inaccuracies from credit reports. The staff may suggest a debt settlement program that involves negotiating with creditors for clients to pay a percentage owed rather than the entire debt amount. Other options include debt consolidation that combines all debts into one and debt management to pay off debts with lower monthly payments.

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.
4.8
Google
4.7 / 5 (14)
Yelp
5.0 / 5 (3)

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
Phoenix Credit Consultants logo
Visit WebsiteWebsite

Phoenix Credit Consultants

11628 Old Ballas Road, Suite 208, St. Louis, MO 63141
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Business Description

Phoenix Credit Consultants is a credit repair company based in St. Louis. For more than two decades now, the company's credit restoration specialists have educated clients on interpreting their credit reports. They have also helped them improve their credit through settlement assistance and debt consultation. Phoenix Credit Consultants provides individualized credit repair plans to fit clients' specific needs and goals. Besides aiding clients in preparing their credit for a mortgage, its team offers a recovery program for people with huge student loans.

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.
4.7
Google
4.5 / 5 (24)
Yelp
5.0 / 5 (3)

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
ShowME Credit Solutions, LLC logo
Visit WebsiteWebsite

ShowME Credit Solutions, LLC

506 West Pearce Boulevard, Wentzville, MO 63385
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Business Description

ShowME Credit Solutions LLC is a credit repair agency in the St. Louis area metro, helping individuals clear up any mistakes in their credit report increase their overall score. A personal consultant sits down with clients and reviews their credit reports. If all statements are accurate, the next step involves learning the steps to increase their rating legally and quickly, such as obtaining a secured credit card that's backed by a security deposit.

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
4.4 / 5 (48)
Yelp
5.0 / 5 (1)
The Credit Care Company logo
Visit WebsiteWebsite

The Credit Care Company

2705 Dougherty Ferry Rd Ste 103, Saint Louis, MO 63122
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Business Description

The Credit Care Company is a credit repair company in Saint Louis founded in 2008 to serve the credit restoration needs of individuals and businesses. Its staff has over 25 years of experience in providing mortgage banking, real estate insurance, and financial education services. The company's credit repair professionals send personalized credit dispute letters to remove inaccurate information from credit reports. They investigate and report inaccurate credit accounts and offer account management services to improve credit scores. Other credit services include debt negotiation coaching, debt settlement options, and payday and student loan consolidation services. The Credit Care Company also provides financial assistance to entrepreneurs.

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
4.8 / 5 (90)
Yelp
5.0 / 5 (2)

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
UCES Protection Plan logo
Visit WebsiteWebsite

UCES Protection Plan

PO Box 130, Farmington, MI 48332
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Business Description

UCES Protection Plan is a credit restoration agency that offers comprehensive services to individuals and families in the St. Louis area to improve their credit scores and maximize financial opportunities. The company challenges the credit bureaus to remove inaccurate, obsolete, and incorrect items from credit reports. Its attorneys evaluate each case, and if legitimate, they sue the credit reporting agencies to clean up the reports and compensate clients. The firm also handles identity theft, inquiries, and fraud. UCES Protection Plan also provides debt payoff plans and credit education to enable clients to track their income and spending by creating a personalized budget.

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
Facebook
5.0 / 5 (19)

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
Back to Providers

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.

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.

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.

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