Making Your Credit Future Brighter in St.Louis, Missouri
We're dedicated to helping you achieve your credit score goals. We specialize in removing inaccurate, incomplete and miscellaneous information off of thousands of credit reports each year.
Bright Future Credit Solutions is a top ranked credit repair company specializing in removing inaccurate, incomplete and miscellaneous information off of thousands of credit reports each year.
We use aggressive strategies and our knowledge of the credit industry to offer you maximum results. 79% of all credit reports contain mistakes, we help increase your credit score by removing those inaccuracies. Our friendly Bright Future Credit Solutions staff will always treat you with the utmost respect. We are readily available to assist you with any questions. Getting enrolled into our program shows that you are serious about increasing your credit score and graduating the program with a credit score off 700+. We take on the credit bureaus and collections agencies on your behalf. All of the skills you will learn during this program will allow you to raise your credit score and keep it from declining in the future. Graduates of this program move on to implement healthy lifestyle changes to ensure financial freedom.
"Once you become a valued client of Bright Future Credit Solutions, we will assist you every step of the way along your journey to reverse your past negative credit history."
The Credit Steps
It takes only 3 steps to start your credit repair journey
Schedule your FREE credit consultation and register for a copy of your credit report.Schedule Call >>
Call the office at your scheduled consultation time. During this consultation we will get you enrolled in our service. We will need a copy of your ID and proof of your current addressCall Office >>
We get started on your credit file right away by going after creditors and bureaus on your behalf, handling all legal paperwork and document processing. If items are not removed on the first round of challenges, we customize and adapt our methods for the next month.
What Can Be Removed or Repaired
• Late Payments
• Collection Accounts
• Charge Offs
• Tax Liens
• Identity Theft
• Incorrect Personal Info
• Unauthorized Inquires
• Medical Collections
The first thing any lender wants to know is whether you've paid past credit accounts on time. This helps a lender figure out the amount of risk it will take on when extending credit. This is one of the most important factors in a FICO Score.
Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO Score. However, if you are using a lot of your available credit, this may indicate that you are overextended-and banks can interpret this to mean that you are at a higher risk of defaulting.
Length Of History
In general, a longer credit history will increase your FICO Scores. However, even people who haven't been using credit long may have high FICO Scores, depending on how the rest of their credit report looks.
FICO Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. Don't worry, it's not necessary to have one of each.
10% New Credit
Research shows that opening several credit accounts in a short period of time represents a greater risk--especially for people who don't have a long credit history. Try not to open too many accounts too rapidly.Schedule FREE Consultation >>
The Benefits Of Working With Us
$249.99 Audit Fee/ $109.00 Monthly
- Credit Monitoring
- 3 Bureau Reports
- Score Builder
- Score Tracker
- Money Manager
- No Contract
- Unlimited Disputes
- Monthly Updates
- Results In Just 30-45 Days
- Affordable Monthly Payments
- 1 Million Dollars In Fraud Protection
- Money Back Guarantee
Bright Future Credit Solutions can get you back on track. Don’t push fixing your credit off any longer contact a credit consultant for your free credit evaluation!Schedule FREE Consultation >>
Ways to increase your credit score
• Paying bills on time can help maintain a higher credits score
• Never let an account go into collections
• If you cannot make your payments on time, always make arrangements
• Instead of closing Accounts keep them in good standing to help with
length of credit history
• Make sure to keep all balances low on credit cards and other revolving
accounts to 33% or below
• Paying off debit can be more beneficial than a balance transfer
• Try and stay away from opening new accounts to rapidly, this can
cause your credit score to decrease
• Remember to never overdraft your bank accounts
STUDENT LOAN SERVICES
You may be eligible to consolidate your loans, reduce your payments, or even have your student loans forgiven!
STUDENT LOAN FORGIVENESS
Depending on your occupation and income you may qualify for student loan forgiveness of some or all of your student loans.
REHAB DEFAULT LOANS
Do you have student loans in default? We can stop collections, wage garnishments, and tax offsets with our Rehab Program.
You may qualify to lower your student loan payment with an income-driven repayment plan.
STUDENT LOAN CONSOLIDATION
Consolidate your federal education loans into one easy to manage loan and even lower your payments.
“So far so good! I love the customer service! I love their professionalism, but also their ability to make you feel like you’re talking to good friends that genuinely want to help. I can’t wait to see the results that the next few months bring.”
R. IvyHappy Client
“Bright Futures Credit Solutions has been the answer to my prayers. I don’t understand enough about credit to boost my credit score on my own, but Kiara, Sabrina and the crew are helping me realize dreams I thought were beyond my reach. Thank you team!”
M. HamiltonHappy Client
“Omg I started with Bright Future Credit Solutions in July and one month later there was changes to all my scores!!!! Their customer service is the best!!!! They answer All your questions and concerns with no problem!!! I kno when I finish with the program my goals will be fully accomplished and I just want to thank Kiara and her team for doing an awesome job!!! #TeamBrightFuture”
S. HarrisHappy Client
“Bright Future Credit Solutions changed my life I went to bright Future Credit Solutions because my credit was very bad I was in a lot of debt I didn't know where to turn I thought bankruptcy would help turn my life around but it didn't Bright Future Credit Solutions helped remove the bankruptcy as well as everything else that was reporting negatively on my credit thanks to them I closed on a new home have a brand new car and Iam now in a better position to provide for my family.. I recommend anyone to try them their customer service is very awesome it was like they were personal good friends of mines guiding me every step of the way...”
T. CallowayHappy Client
“Omg they are the best! With me going through Fraud they ensure you that everything will be ok. They make you feel like you are not walking alone in the process and make sure you are ok! Great team! Thank you all so much!!”
C. ThompsonHappy Client
“Kiara and her team are the best ever since i signed up my credit has improved i was even approved for my first credit card which was not possible until getting help from bright future credit solutions I’ve recommended EVERYONE to join the team I’ve told so many friends an family members about this wonderful team because everyone deserves to have good credit.”
Q ReddickHappy Client
Frequently Asked Questions (FAQ's)
How does billing work?
An audit fee will be charged after signing up for our service for work initially completed. The monthly fee begins 30 days after. At cancelation you will be charged a final payment since billing occurs after services have been performed
How can I stop services?
Simply CALL our office before the next month starts. Monthly payments will only be for months we worked on your account and have to be canceled before the 1st of the next billing month.
When should I see results?
Credit bureaus have 30 days to process disputes, you will see initial results in about 30-45 days. On an ongoing basis, you will see results each month you are in the program
What are the program rules?
The program rules are as follows, Keep credit monitoring, build positive credit using only the recommended tradelines, keep credit card balances low, pay all bills on time, and send us all collection and credit bureau responses in a timely manner.
How long does the process take?
Times vary based on how many negative items are reporting on your credit report. It also depends on how many positive accounts you currently have reporting. A positive account is a revolving credit account with no late payments. If you need help building positive credit getting a secured card right away can speed up the process. Our goal is to graduate all clients within 3-9 months.
We are available: