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Best Credit Repair Companies in Ann Arbor, MI

Our Recommended Top 13

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Ann Arbor Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

92Reviewed

60Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Ann Arbor, MI

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Repair
  • Credit Audit
Lexington Law logo

Lexington LawExpertise.com

Ann Arbor, MI
Free Credit Report Consultation

Expertise.com Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Credit Repair
  • Consumer Credit Services

400 Renaissance Center, Detroit, MI 48243

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.2 (5)

Why choose this provider?

RCA Credit Repair L.L.C is a credit repair specialist and consultant firm. It offers various credit repair programs to assist individuals and businesses in Ann Arbor. The firm helps restore the credit status of clients by disputing credit report inaccuracies via mail. In addition, RCA Credit Repair published a book entitled 17 Pages of Credit Repair Truth to educate people on who to repair their own credit and achieve financial freedom.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

28536 Ford Road, Garden City, MI 48135

Expertise.com Rating

Review Sources

Google
4.0 (61)
Facebook
5.0 (3)

Why choose this provider?

Onyx Credit Geeks helps improve the borrowing capacities of individuals and businesses located in Ann Arbor. It offers credit file analysis and consultation, individual coaching, and unlimited dispute letters to three credit bureaus. Its team of professionals walks each client through the entire process and prepares the documents required by various loan agencies. Furthermore, the company provides seasoned credit tradelines options for clients who would like to boost their scores quickly.

  • Credit Dispute

22142 West Nine Mile Road, Southfield, MI 48033

Expertise.com Rating

Review Sources

Google
4.3 (46)
Facebook
5.0 (13)

Why choose this provider?

Michigan Consumer Credit Lawyers is a law firm that serves clients in Ann Arbor. It specializes in helping clients recover from false reporting, identity theft, and credit report problems by offering an assortment of credit restoration services. The firm is well-versed in using several laws, such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, in improving clients' credit ratings. The founder, Gary Nitzkin, is a certified public accountant, and he has been providing credit repair services since 1983.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

3875 Packard Street, Ann Arbor, MI 48108

Expertise.com Rating

Review Sources

Google
5.0 (81)
Facebook
5.0 (7)
Yelp
5.0 (2)

Why choose this provider?

Acclaim Legal Services, PLLC is a law firm that provides financial and legal services to the people of Ann Arbor. It provides credit repair services, helping clients by combining reports from all three credit bureaus. It also deals with credit education. The company is equipped to perform bankruptcy services, foreclosure assistance, debt management, and asset repossession. Its staff has more than 120 years of combined legal experience. Its founder William Johnson is involved with the local community through foreclosure assistance at United Way.

  • Debt Consolidation

2470 Woodward Avenue, Detroit, MI 48201

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

GreenPath Financial Wellness is a Detroit-based financial wellness company that serves clients in Ann Arbor. The company specializes in helping clients understand and achieve financial wellness and provides various types of services such as credit report reviews. Its team also guides clients in managing their credit scores. The company is a partner of the Consumer Credit Counseling Service of Central Oklahoma, providing full-service financial education, credit counseling, debt management, and bankruptcy education and counseling services. GreenPath Financial Wellness has been serving clients since 1961.

  • Debt Consolidation

4301 Orchard Lake Road, West Bloomfield Township, MI 48323

Expertise.com Rating

Why choose this provider?

Nationwide Credit Clearing helps the residents of Ann Arbor and the neighboring cities repair their credit. The company offers credit report consultation and credit education. After reviewing the accounts listed on a client's credit report, its team of specialists disputes any inaccurate information with credit bureaus to remove them from the record. They leverage consumer laws like the Fair Debt Collection Practices Act and the Fair Credit Reporting Act to improve clients' credit scores. Nationwide Credit Clearing has been in business since 1985.

  • Credit Dispute

3200 Greenfield Road, Dearborn, MI 48120

Expertise.com Rating

Review Sources

Facebook
5.0 (63)

Why choose this provider?

Fair Game Credit Repair is a credit repair company based in Dearborn. It serves individuals and families in Ann Arbor and the surrounding areas. The company seeks personalized dispute alternatives to match its clients' credit repair needs and submit dispute letters on their behalf. A dedicated case analyst and case advisor will work with each client throughout the process. Clients will have access to the status of the case any time and day of the week.

  • Credit Audit
  • Credit Dispute

2080 Whittaker Road, Ypsilanti, MI 48197

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Business Financial Expert is a credit repair company that serves Ann Arbor and the surrounding areas. The company helps clients improve their credit scores by working with credit bureaus and creditors to challenge negatively reported items in their credit reports. Its professionals have years of experience evaluating credit and guiding consumers to assert their legal rights to dispute inaccurate information and unapproved reviews. Additionally, Business Financial Expert offers 24/7 live status accessibility for clients throughout the entire process.

  • Credit Dispute

3200 Greenfield Road, Dearborn, MI 48120

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Credit Repair Gal is a group of experts in credit repair serving the Ann Arbor area. It provides services that can improve credit scores, such as audit, repair, education, and management of credit. Additionally, it creates customized disputes for clients against the credit bureaus Experian, TransUnion, and Equifax. Clients can request a review or check the repair process online with its secure and safe software. Credit Repair Gal aims to improve its clients' credit scores and achieve their financial goals.

  • Credit Monitoring
  • Credit Audit

13 North Washington Street, Ypsilanti, MI 48197

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (3)

Why choose this provider?

Invest in You Financial & Credit Consulting is a credit consulting and management company that serves clients across the Ann Arbor metro. Its credit repair solutions include inquiry support, credit dispute management, and credit restoration. Increased credit scores improve clients' chances of reaching financial goals. The company has a client portal on its website, which features resources on topics like FICO scores, business credit, and debt management. Invest in You Financial & Credit Consulting also deals with LLC filing.

  • Credit Monitoring

607 Shelby Street, Detroit, MI 48226

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Elite Credit Solutions is a credit restoration company that serves clients in Ann Arbor and the surrounding areas. It provides a range of services, including credit score improvement, bankruptcy credit repair, credit audit, foreclosure credit repair, and debt settlement. Its specialists also deal with clients who need credit solutions and credit identity corrections and develop strategies to remove any negative items from credit reports. Elite Credit Solutions has been in the business since 2019.

  • Debt Consolidation
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Ann Arbor, MIFree Credit Evaluation
Lexington Law
Ann Arbor, MIFree Credit Report Consultation
RCA Credit Repair L.L.C
400 Renaissance Center, Detroit, MI 48243
Onyx Credit Geeks
28536 Ford Road, Garden City, MI 48135
Michigan Consumer Credit Lawyers
22142 West Nine Mile Road, Southfield, MI 48033
Acclaim Legal Services, PLLC
3875 Packard Street, Ann Arbor, MI 48108
GreenPath Financial Wellness
2470 Woodward Avenue, Detroit, MI 48201
Nationwide Credit Clearing
4301 Orchard Lake Road, West Bloomfield Township, MI 48323
Fair Game Credit Repair
3200 Greenfield Road, Dearborn, MI 48120
Business Financial Expert
2080 Whittaker Road, Ypsilanti, MI 48197
Credit Repair Gal
3200 Greenfield Road, Dearborn, MI 48120
Invest in You Financial & Credit Consulting
13 North Washington Street, Ypsilanti, MI 48197
Elite Credit Solutions
607 Shelby Street, Detroit, MI 48226

FAQs

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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