A bad credit score can have a major impact on your life. It can hold you back from qualifying for credit cards, getting approved for auto loans and even make it harder to move.
However, establishing or rebuilding your credit isn’t impossible — and you’re already taking the first step. Here are some resources that can help Missourians repair credit.
Credit Repair Companies in Missouri
Companies that offer credit repair services often advertise that they can help you raise your credit score fast. Typically they do this by working with the credit bureaus to get negative items removed from your credit report.
Before deciding to work with a credit repair company, you should be aware that these services can be expensive and there is no guarantee they will be able to help improve your score. Also, with a little research and know-how, you can usually dispute negative items in your credit history without enlisting their help.
Dynamic Credit Repair, LLC
1808 Monroe Street
Columbia, MO 65201
C24 Credit Solutions
10880 Baur Boulevard
St. Louis, MO 63132
Credit Law Center
4041 NE Lakewood Way
#140
Lee’s Summit, MO 64064
Organizations That Teach Personal Finance in Missouri
Missouri Society of Certified Public Accountants
The Missouri Society of Certified Public Accountants offers financial literacy resources for free on their website. This includes a library of videos on topics like taxes, credit and debit cards, managing bank accounts, cash flow and more. They also include links to other resources such as 360 Degrees of Financial Literacy.
Pathway Financial Education
Pathway Financial Education is a nonprofit that offers financial education programs to Missourians. They offer both in class and online instruction for adults, kids and small business owners.
Kansas City Public Library
You can often find financial education tools and resources at your local library. The Kansas City Public Library offers a database on financial literacy that includes articles exploring everything from global economics to household and personal finance.
Money Smart
Money Smart is a national program that offers a full financial education curriculum for kids, teens, adults and seniors.
Social Services in Missouri
There are many social services in Missouri that can help you save money. This can free up some room in your budget to make payments and work toward paying down debt, which can help you improve your credit.
General
Missouri Department of Social Services
You can find help through the Missouri Department of Social Services. They offer help with things like cash assistance, employment training, child care, health care and more.
United Way
United Way is a national nonprofit that operates throughout the state of Missouri. You can find a local chapter near you that can provide assistance.
2-1-1
You can call 2-1-1 or visit their online resource library to find information on assistance programs for things like housing, health care, legal services, child care and more.
Housing
Housing can be a big expense every month. Lowering the amount you need to pay each month can help you save money and pay down debt which can help boost your credit. A few services that can help with housing include:
- Missouri Community Action Network
- Credit and Homeownership Empowerment Services
- U.S. Department of Housing and Urban Development
Food
Feeding Missouri
Feeding Missouri is a network of over a thousand different food distribution centers. You can use their food bank finder to find one near you.
SNAP
The Supplemental Nutrition Assistance Program (SNAP) is a government program that offers families a monthly benefit to buy food. You can apply online or turn in a paper application. New applicants will have to visit a local resource center for an interview. If you meet the requirements, you could get assistance with your grocery bill.
Emergency Borrowing Options in Missouri
Bad credit can make borrowing difficult. In the event of an emergency, getting the funds you need fast can make a big difference. In Missouri, borrowers can apply for a line of credit with an online lender who may have more lenient eligibility requirements.
Borrowers should be aware that emergency lenders often have high interest rates that can make the cost of borrowing expensive. But the option for a line of credit is there for emergencies whether you’re in St. Louis, Kansas City or elsewhere in Missouri.
DISCLAIMER: This content is for informational purposes only and is not intended as advice of any kind. CashNetUSA and its affiliates do not provide financial, legal, investment or tax advice. The parties mentioned herein are not affiliates or agents of CashNetUSA, and we make no representations or warranties of any kind regarding the services they offer.
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