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We’ve all seen the billboards and heard the radio ads making bold claims about being able to completely erase bad credit history. Each credit repair company that does this preys upon the desperation of people with bad credit, often taking their money and offering little or nothing return.

Knowing how important having a good credit score is, you shouldn’t let a few bad apples keep you from seeking the help you need to repair your credit from a reputable company, of which there are many.

Here is a list of things to consider when in search of a reputable credit repair company offering you great services in St. Louis, MO and nationwide:

  • Reviews
  • Are they registered with the state
  • Are they a licensed attorney
  • Do they have the experience
  • Have there been government complaints filed against the company

Cook Law, LLC offers a range of services as a credit report dispute attorney and might be able to take your case contingent, meaning we do not get paid unless you do. Cook Law, LLC is genuinely interested in making sure you are making an informed decision about your credit repair options. We want to see you succeed and get back on the right financial path.

Your credit rating is a very important aspect of your life, and you shouldn’t jump into anything without careful consideration. At Cook Law, LLC we have the expertise to help you with credit report disputes and lead you in the right direction when it comes to making a decision on how to repair your credit.

Our attorney will guide you through every step of the way and leave no stone unturned. If you’re interested in taking the next step in repairing your credit and getting financially stable, contact us today for a free consultation at (314) 260-6116.

Over the past few years, credit repair has become a popular topic of discussion here in St. Louis. Your credit report doesn’t simply affect your ability to borrow money, as is commonly believed, but can affect everything from your ability to find a job to whether or not a landlord will rent to you.

Credit reports have become an important factor in the quality of modern living, and keeping your score at an acceptable level is more important than ever. There are companies looking to monetize this need and not all of them can be trusted. According to the Federal Trade Commission, here’s what you need to avoid when choosing a credit repair service:

  • The company insists that you pay in advance. According to the Credit Repair Organizations Act, a credit repair company is legally prohibited from charging a fee until they have provided all of the services they have promised.
  • The company charges a fee to provide information about your legal rights or outright refuses to provide the information at all. Companies are legally required to provide you with a copy of the  “Consumer Credit File Rights Under State and Federal Law” before you sign any contracts with them. They are also required to provide you with a written contract that explicitly states your rights and duties involved with the process.
  • The company advises against contacting any of the major credit reporting agencies (Equifax, Experian, and TransUnion).
  • The company claims to be able to purge your credit report of any negative information that is current and accurate.
  • The company advises applying for an Employer Identification Number (EIN) to use in the place of your Social Security Number (SSN) to create a new credit identity. It is considered a federal crime to obtain an EIN under fraudulent pretenses.
  • The company recommends disputing all of the information contained in your report, even if it is accurate and current.  

Before signing any contracts, be sure to read them and make sure they contain detailed information about the following items:

    • The terms of payment for services the services they will provide. This information should specify the final overall cost of the services.
    • An accurate and detailed description of the services the company will be providing. Remember that a credit company cannot make fraudulent claims about the services they can provide.
    • Information about how long it will take to perform the services promised by the company.
    • Guarantees the company offers
    • The name of the company and its business address


St. Louis Credit Repair Services

There are many reputable companies that offer credit repair services in St. Louis, and all across the country. With a little bit of leg-work and a cautious attitude, you should have no trouble finding a reputable credit repair service that won’t take your money and give you back nothing in return. Rebuilding your credit can be a long process, but it doesn’t have to be a difficult one. 

If you are still unsure about where to go for help, contact our credit report dispute attorney today and get a free consultation. Good luck and I hope this article made it a little easier for you.


There are a lot of Missouri credit repair companies but they are not equally reliable and reliability is exactly what you need when it comes to a credit repair specialist. To be sure that your credit repair works and that the credit repair company is appropriate, you should look for three things: longevity, reputation, and money-back guarantee and that’s the criteria for all Missouri credit repair situations.

According to the Missouri Division of Finance, Credit Service Organizations are licensed under standards set by sections §§407.635-407.644. These businesses, commonly referred to as “credit repair companies,” offer to clean up and improve their prospective clients’ credit reports. The law applies to anyone who, for a consideration, offers to improve someone’s credit report.

There are numerous exceptions to the licensing rules: most lenders, lawyers, broker-dealers registered with the SEC, CPAs, and not-for-profit organizations per 501(c) (3). Among the consumer protections of the law are a three-day opportunity to rescind and limitations on collecting fees before the work is completed. Further, the statute requires numerous informative disclosures in the contract.

In Missouri credit repair is needed if you have legitimate errors on your credit report; the main function of any credit repair service is to dispute credit report errors and remove them from your report permanently. These could range from errors in reporting from lenders to simple errors in your personal information.

Then, you would need them if you have errors that cannot be verified; a little known fact about your credit report is that every detail in the report needs to be verifiable. Also, if your lenders are willing to work with credit repair agencies, that is good because the credit repair agencies that have been doing this for a while are familiar with know-how and they are experienced to negotiate with your lenders on your behalf and raise your score.

There is no secret formula to increase your credit score but picking up a good credit repair service could stop losing big money.

Cook Law, LLC is helpful for all Missouri credit repair cases. They believe every person deserves simple and affordable access to a lawyer. The laws were created to protect and empower you and that is the philosophy they strive to implement.

Federal law regulates credit bureaus and creditors. If there are inaccurate or derogatory marks on your credit, they can help remove them and you may be entitled up to $1,000 for illegal reporting.

Cook Law, LLC is another great source of help speaking of Missouri credit repair services. It is very difficult to succeed in business without a trustworthy attorney who is always available to answer questions.

Missouri Debt Relief Reviews – Who Can Help with Your Debt Relief?

When debt becomes too much for you to cope with and you decide to call for help and get a debt relief company, you may be confused with so many options to choose from. Debt settlement is when a company negotiates with your creditors on your behalf to reduce the amount you will pay. The rest of the debt is, let’s put it this way- typically forgiven. It sounds like a good deal, but debt settlement is a very serious step you should take only if you understand the process. Definitions of “successfully resolved debt” may vary and due to that checking debt relief reviews is highly recommended. Apart from general national level reviews, Missouri debt relief reviews are necessary to be checked out for the reasons of somewhat different practice of some companies in different states eventually and for not being present everywhere.

You are hardly alone if you are in big debts because the average American household has more than $7,000 in credit-card debt in 2015. One in 10 consumers has more than 10 credit cards, and the average consumer has four. The average household is $6,500 in debt. Approximately 2.5 million Americans seek debt relief services from credit counselors each year for heavy debt burdens. In 2006 alone, more than $51 billion worth of fast food was charged to credit cards. Buying perishable goods like fast food with credit can lead to bad debt. Missouri debt relief reviews are necessary because thousands of Missouri residents are in severe debt. You do not have to be one of them, not with debt relief solutions like debt consolidation. Your ideal solution depends on the amount of debt you have, the kind of debt you have, and the time frame you hope to resolve your debt in. If you are in debt, are willing to stretch out your payment period and want a simple monthly program payment, debt consolidation might be the solution for you.

Cook Law, LLC can help you with Missouri debt relief.  Serving the people of Missouri, it is sure that apart from other law areas Cook Law, LLC will help you in debt relief sector, precisely with the following: stop garnishment and collections, student loans, credit debt relief, credit scores, debt judgments, reverse mortgage and wage garnishment.

Cook Law, LLC believes that whatever you choose, you deserve freedom from harassing creditors and insurmountable interest rates. Handling the stress of accumulating debt can feel like you are stuck in quicksand, which is why they offer free consultations for debt management and legal recourse.   A debt relief is hard but possible!

How to Find a Reputable Debt Relief Company

The nagging phone calls, sleepless nights, and constant concerns for your future and the future of your family have taken their toll. You’ve had enough and have decided to do something about it- But what can you do?

If you are one of the millions of people suffering under the crushing burden of debt, you have probably heard the radio ads and seen the billboard advertisements for debt relief services. Perhaps you have felt that the claims made are too good to be true, or that it is probably just another scam that will sink you further into the financial quagmire in which you are already drowning.

Take a deep breath, relax, and know that there is hope. While many of the companies out there offering financial salvation are, indeed, nothing more than scam artists, there are plenty of legitimate, reputable companies who can help you manage your debt. The trick is knowing how to separate the good from the bad and ugly. This article will help you do exactly that!

The first thing you need to know is how to spot a legitimate debt relief company. The most important thing to do is to ask questions, not just of the company you are considering, but also of agencies that monitor the legitimacy of companies offering debt relief services. You should contact your State Attorney General’s office, The Better Business Bureau, and the Consumer Protection Agency to ask if the company you are considering has any complaints filed against them.

Be sure to ask the company that you are considering as many questions as possible. Any hint of evasiveness is a major red flag. Reputable companies have no problem providing you with any information pertinent to your case and your rights as a consumer.

You need to ask them to provide you with a comprehensive list of the services they will provide, a time frame in which they will be provided, and most importantly, how much it will cost you. Any company unwilling to provide these details should be considered suspect.

Now that you know what to look for in a reputable company, you may be wondering how to spot a bad one. Here is a simple list of behaviors that should serve as major red flags when choosing a debt relief company, according to the FTC:

  • They insist upon charging an up-front fee. Reputable debt relief companies will not charge you any fees until they have settled your debts and you have agreed to, and signed, a payment plan.
  • They will provide free information about their services until you have provided sensitive financial information such as bank account or credit card numbers. This is a major red flag.
  • They claim to be able to stop all collection calls and lawsuits or they guarantee that they will make all of your unsecured debt vanish. If it sounds too good to be true, it most likely is.

Debt relief may seem like an impossible dream but, in reality, with careful consideration, self-discipline, and the wisdom to seek help from the proper people, you can start to forge a path forward and put the nightmare behind you. More information can be found at:





Credit Repair Advice for Students

Credit repair is fast becoming an important issue in Columbia, Missouri where the average consumer credit score is 3% below the national average. College towns, like Columbia, are some of the areas hardest hit by low credit ratings, owing to the fact that student loans are a major driving factor of low or bad credit ratings. It has become the second highest consumer debt category, eclipsed only by mortgage debt, and outpacing even credit card debt and auto loans.

It is especially important for newly graduated students to achieve and maintain a respectable credit rating because a low credit score can impact your ability to find a job, and thus affect your ability to pay your student loans. It can devolve into a vicious cycle if you are not careful. If you have found yourself caught in just such a cycle, fear not! It can be broken with just a little self-discipline, planning, and a little professional help. Here are some tips to help you repair your credit score so you can begin your new life without the millstone of bad credit hanging around your neck.

  • First things first. You need to find out exactly where your credit stands. You can get a free copy of your credit report from any of the three major credit reporting bureaus (Equifax, Experian, and Transunion) once per year. The once per year limit is for each company, so you can get a total of three reports per year if you stagger your requests across the three companies. Avoid using other web sites which claim to offer free reports- According to the FTC these companies are often deceptive or outright fraudulent.
  • Once you have your credit report, make a photocopy and scan it for any errors and highlight any errors that you may find. Pay special attention to your identity information such as Social Security Number, name, and address. Also, verify the lists of your major purchases, credit cards held, and debts outstanding. Be sure to have evidence, such as bank statements, that prove that the highlighted items are erroneous. If you don’t have proof of the errors legitimacy, there is nothing the credit reporting bureaus will be able to do for you. Once you have collected all the pertinent information, write a letter to the bureau whose report contains the error. Many bureaus now allow online dispute of credit reporting errors, but it is best to send a physical letter via certified mail and to retain a copy of this letter for yourself. You can find advice on how to contact the bureaus from the FTC at: https://www.consumer.ftc.gov/
  • Avoid further hits to your credit rating by paying all bills on time and avoiding applications for new credit cards, no matter how tempting the offer may be. Every application for a new credit card is considered to be a “Hard Inquiry” and is listed on your credit report. Too many “Hard Inquiries” over a period of two years can have a negative impact on your credit score- This is especially true if you already have a low rating.

If all of this seems too daunting, as it does to many, you may need to seek professional credit repair help.  Also, these are just basic first steps you can take to staunch the bleeding. If and when you decide to seek professional help, be sure you are working with a reputable company. You may also consider availing yourself of a non-profit credit counseling agency who can help you manage your debt. Although credit repair can seem quite intimidating, it is not insurmountable if you are savvy and know when to seek help. Hopefully you have found this advice useful, and good luck going forward!