Learn More About The Credit Care Company in St. Louis, MO

Credit repair is the process of identifying and disputing inaccuracies, errors, or unverifiable information on your credit report. Our credit repair services work to improve your credit score by addressing these issues with the credit bureaus and creditors.

Credit repair involves reviewing your credit report for errors, inaccuracies, or outdated information. We then dispute these items with the credit bureaus on your behalf. This process can lead to the removal or correction of negative items, which can improve your credit score.

The duration of the credit repair process varies depending on the complexity of your credit report and the number of items that need to be disputed. On average, clients see results within 3 to 6 months, but some may see changes sooner or later.

Not all negative items can be removed. Only inaccurate, outdated, or unverifiable information can be legally removed from your credit report. Legitimate negative items, like late payments or defaults, may remain on your report for up to seven years.

While credit repair can improve your credit score by removing errors and inaccuracies, we cannot guarantee a specific score increase. Each individual's credit situation is unique, and results vary based on the items on your report and your credit habits.

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate or unverifiable information on their credit reports. Our credit repair services operate within these legal guidelines to help you improve your credit.

Yes, you can repair your credit on your own by reviewing your credit reports and disputing inaccuracies with the credit bureaus. However, the process can be time-consuming and complex. Our credit repair experts have the experience and knowledge to handle disputes effectively and efficiently.

Our credit repair services vary in cost depending on the level of assistance you need. We offer different packages to suit various budgets and credit situations. Please contact us for a detailed quote tailored to your needs.

To get started, contact us for a free consultation or to speak with someone right away call 314-363-9575. We will review your credit report, discuss your goals, and provide a customized action plan to help improve your credit score. From there, we will guide you through the credit repair process step-by-step. We also provide you with the largest credit builder program in the industry.

No, using our credit repair services will not negatively affect your credit score. In fact, the goal of our services is to improve your credit score by removing inaccurate or unverifiable negative items from your report, helping you build your credit and settling your debt for less.

It's recommended to check your credit report at least once a year to ensure accuracy and to monitor for any signs of identity theft. You can request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once every 12 months. We currently work with Smart Credit which is the best credit monitoring service available. 

While results vary, many of our clients see improvements of 75 to 100 point increase in their credit scores in around 90 days, if they follow our direction. Improved credit scores can lead to better loan terms, lower interest rates, and greater financial opportunities.