“Changing Lives One Credit Score At A Time”

314-485-9940 or 888-238-1790

Worried Couple Discussing Domestic Finances At Home

Our 3 Phase System to Cleaning Up Your Credit

At Credit Care Company our motivation is to quickly help you raise your credit scores to meet your desired goals. You will see results within 30 to 45 days. We will go directly through the credit reporting agencies and your creditors to get the inaccurate items on your credit report corrected or deleted.

Free Credit Report Review

We provide a free credit report consultation and evaluation, which includes a personalized plan of action to anyone who like to know where they stand credit wise.

We will be able to tell you the following:

  • Exactly what is needed to raise your credit score.
  • Exactly how long it will take to reach your score goal.
  • What we can do to quickly help raise your score.

If you need to build new credit we will provide you with our free new Credit Builder Program:

  • Perfect for applicants with little or no credit history
  • Point increase in as little as two weeks
  • Program is provided at no cost during client credit review
  • Program offers multiple credit building options, regardless of client’s current score

Phase One: Credit Recovery

Our Credit Recovery program includes the following services and more:

  • 24/7 Online Portal Access
  • Opt-Out Pre-screen
  • Credit Monitoring options
  • Development Personalized Dispute Letters
  • Provide settlement coaching if needed
  • Credit & Financial Education
  • Credit Building Consultation

Included in our Phase One: Credit Recovery:

• In-Depth Credit Audit of your Credit Report with a Credit Expert and copy of Credit Report
• PERSONALIZED CREDIT SCORE ADVANCEMENT PLAN: Which will focus on the Fair Credit Reporting Act and The Fair Debt Collection Practices Act; Set up of your internal file; Including disputes of up to 20 inaccuracies all 3 credit bureaus; 24/7 Access to THE CREDIT CARE COMPANY’s Portal
• Provide answers and understanding regarding the following: The credit repair process; Credit Repair Organization Act; Fair Credit Reporting Act; Fair Debt Collection Practices Act; Fair Credit Billing Act.
• Personalized credit coaching and debt negotiation coaching and assistance.
• Client documentation packet of information and education including but not limited to: How Credit Scores are Calculated; How Credit Scores Impact Credit Determination; Settlement Tips and Settlement Worksheets; THE CREDIT CARE COMPANY Budget that works for YOU; Student Loan Rehabilitation; The process THE CREDIT CARE COMPANY takes to communicate with credit bureaus, creditors, collection firms, etc. in order to obtain an accurate credit profile.

Our credit repair program produces some of the fastest results in the industry.We do not lock you in to a long term contract, you can cancel at anytime. Our average client has a Fico score in the 550 range. If our clients follow our program and credit building advice we can have them ready to qualify for a home loan in about 90 to 120 days. Our clients usually will see between a 70 to 120 point increase in their credit scores.

Phase Two: Credit Recovery

Phase Two: Begins the heavy lifting of getting your credit score back in shape. This Phase last for 4 months if needed.

Credit Card Debt Relief

When you work with us at Credit Care we form a unique partnership. We will do our part to clean up you report as much as is needed. If your were told new credit had to be established and were given a step by step action plan to achieve this goal. Try to accomplish this as soon as possible. When we work together in unison you will be shocked to see how quickly your scores will rise!

With some of the credit builder program we offer you can see 30 to 80 point increases in as little as 2 weeks!

The service includes all of the services in PHASE ONE as well as:
Repeated regularly updated CREDIT SCORE ADVANCEMENT PLANS based on the results of your disputes results
that you’ll receive via USPS mail or online; 24/7 online access to your account through our website; Continued investigation of inaccurate accounts reporting, new or recurring accounts;
continued credit and debt negotiation coaching; Compiling background information and documentation needed for
communication and correspondence with the 3 main credit reporting agencies (Experian, Equifax/CSC, and
Transunion); Confirm Client directive to dispute items designation by Client as lawfully subject to dispute; Prepare and
send correspondence and disputes in Client’s name and on Client’s behalf disputing designated inaccurate items appearing on the Client’s credit report.

Phase 3: Credit Recovery

As a continuation of the PHASE TWO, this program is less intense and for clients continuing with paying debt negotiation’s or payment plans on debts. PHASE THREE includes all of the items included in PHASE TWO. In this phase, we focus on continuing to build credit history as well as correct any outstanding credit discrepancies.
We repair all three of your credit reports, and you’ll see results within the first 60 days. Our motivation is to quickly repair your credit and provide you with permanent results you can count on by going directly through the credit reporting agencies and your creditors to get the inaccurate items removed or updated.
**Average Client is completed from beginning to end within 4 to 6 months, contingent that client adheres to credit score advancement plan via credit advisors.



At The Credit Care Company we have several resources and contacts available to help you achieve your financial goals. Just let us know your specific need and “We got a guy” that can help!

BC 3
  • Mortgage Loan Officers
  • Real Estate Agents
  • Financial Planners
  • Car Dealerships
  • Banks and Credit Unions
  • Personal Loans
  • Online Financial Help Sites

Free Consultation

Have Questions?

We are the Credit Experts, Let us Help!

(314) 485-9940

Credit Repair


Business Credit


Student Loan Help

Credit Card Debt Relief