Personal Credit

Personal Credit Repair in St. Louis, MO

Our 3-Phase System for 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. We work with clients in Missouri, Tennessee, Iowa, Illinois, Indiana, Kansas, Oklahoma, and Arkansas. Call (314) 485-9940 to get started.

Free Credit Report Review

We provide a free credit report consultation and evaluation, including a personalized plan of action for anyone who wants to know where they stand.

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 help raise your score quickly

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 the client’s current score

Our Credit Recovery Program Includes the Following:

  • 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

  • Phase One: Credit Recovery

    • In-depth credit Audit of your credit report with a credit expert and a copy of the credit report
    • Personalized Credit Score Advancement Plan: This will focus on the Fair Credit Reporting Act and The Fair Debt Collection Practices Act; Set up your internal file, Including disputes of up to 20 inaccuracies in all 3 credit bureaus; 24/7 Access to The Credit Care Company’s Portal
    • Provide answers and understanding regarding the credit repair process, Credit Repair Organization Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and 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. to obtain an accurate credit profile.

    Our credit repair program produces some of the fastest results in the industry. We do not lock you into a long-term contract. You can cancel at any time. Our average client has a FICO score in the 550 range. If our clients follow our program and credit-building advice, we can prepare them to qualify for a home loan in about 90 to 120 days. Our clients usually see between a 70 and 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 may last for up to four months if needed.

Credit Card Debt Relief

We form a unique partnership when you work with us at Credit Care. We will do our part to clean up your report as much as is needed. If you 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 our credit builder programs, 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 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 designated by the client as lawfully subject to dispute
  • Prepare and send correspondence and disputes in the client’s name and on the client’s behalf, disputing designated inaccurate items appearing on the client’s credit report.

  • Phase 3: Credit Recovery

    As a continuation of phase two, this program is less intense for clients continuing to pay debt negotiations or payment plans on debts. Phase three includes all of the items included in phase two. In this phase, we continue to build credit history and correct any outstanding 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 the client adheres to a credit score advancement plan via credit advisors.


Call (314) 485-9940 to take the next step.

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