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Best Credit Repair Companies in Detroit, MI

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Detroit 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.



12Top Picks

Learn about our selection process.


featured provider = Featured Provider

Detroit, MI Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint offers credit repair services for clients in Detroit. With more than a decade of expertise, the company evaluates a consumer's credit history to challenge inaccurate, incomplete, biased, unverified, or outdated information. These negative reports include collections, charge-offs, judgments, and foreclosure. Credit Saint also counsels clients on how credit scores can affect their finances such as interest rates and loans. It also provides clients a credit monitoring system during their intervention with creditors.

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


Detroit, MI
Free Credit Report Consultation Rating

Review Sources

4.3 (2910)
4.3 (442)

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.

  • Consumer Credit Services
  • Credit Repair

27620 Farmington Rd., Suite 200, Farmington Hills, MI 48334 Rating

Review Sources

4.9 (36)
5.0 (7)

Why choose this provider?

High Achievement Center offers credit repair and coaching services to clients in Farmington Hills & the entire Metro Detroit area. The agency offers its 760 Mindset program for rebuilding scores while helping individuals understand the purpose of credit. The program also aims to help clients in developing good credit habits and traits to improve their financial decisions. The team members of the agency have over 20 years of credit management experience. They also have certifications from the National Association of Certified Credit Counselors.

  • Credit Monitoring

400 Renaissance Center, Detroit, MI 48243 Rating

Review Sources

4.2 (5)

Why choose this provider?

RCA Credit Repair L.L.C. is a credit repair agency that offers its services to the residents of Metro Detroit and beyond. It offers a multitude of programs, namely the Popular Fast Track Premium Program, two types of monthly service programs, as well as a repair your own credit option through their book. RCA will help remove credit inaccuracies to help boost your credit scores, all while being educated along the way. Professional Service = Professional Results. Contact them today to speak with Credit Experts with the knowledge to give you sound and solid credit recommendations. Their motto: Credit =Access, Access=Opportunity and Opportunity Creates Options.

Detroit, MI 48226 Rating

Why choose this provider?

Credit Repair Detroit provides credit repair services in Detroit and the surrounding area. Its trained credit repair specialists assist with the removal of erroneous factors, such as late payments, judgments, and collection accounts. Credit Repair Detroit devises an action plan for its clients to raise their credit scores. Clients can log in to their files 24/7 to see when negative items have been removed. Additionally, the company offers both credit and financial consulting to educate customers about the importance of credit scores and the long-term benefits that a higher credit score can provide.

PO Box 32299, Detroit, MI 48232 Rating

Why choose this provider?

New Beginnings is a community and restoration company that offers credit repair programs in Detroit. It has a wide range of solutions, such as dispute and score tracking, monthly progress reports, detailed plans of action, weekly credit education, and credit building assistance. The company also provides access to a network of financial professionals, partners, and lenders. In addition, it offers 24/7 client portal access and monthly credit coaching calls. New Beginnings was established in 2015.

  • Debt Consolidation

15001 Kercheval Ave Unit #2010, Grosse Pointe Park, MI 48230 Rating

Review Sources

4.6 (388)
5.0 (56)
3.5 (37)

Why choose this provider?

ASAP Credit Repair is a family-owned and family-operated business that serves Detroit and nearby locations. Its credit repair services involve reviewing clients' reports and developing plans of action accordingly. Its team challenges negative report items such as repossessions, collections, judgments, and late payments. In addition to improving credit scores, the company teaches clients methods that will help them continuously build and maintain positive credit. ASAP Credit Repair has been helping clients improve and rebuild credit since 2013.

  • Credit Dispute

18701 Grand River Avenue, #247, Detroit, MI 48223 Rating

Review Sources

4.0 (42)

Why choose this provider?

Nationwide Credit Cleaning is a firm that lists the Detroit metro as one of its service areas. In business since 1985, the firm has already helped thousands of clients with credit problems and improved their FICO scores. It removes incorrect and outdated information from judgments, charge-offs, tax liens, medical collections, and late payments. Its services include consultations, credit report analysis, and correspondence with credit bureaus. Clients can conveniently access its services using its online portal.

  • Credit Monitoring

28536 Ford Rd Ste B, Garden City, MI 48135 Rating

Review Sources

4.8 (61)
5.0 (3)

Why choose this provider?

Onyx Credit Geeks is a financial company with 15 years of experience helping consumers and businesses in the Detroit metro area repair their credit. Its professionally trained consultants work with customers to increase their credit scores, typically adding between 90 and 150 points to an average client's score within approximately six months. The company offers two types of plans to review credit reports, detect all possible inaccuracies, and send multiple letters of dispute to the three credit bureaus. Clients can view the status of their scores on a company portal as Onyx Credit Geeks works to increase their credit rating.

28536 Ford Road, Garden City, MI 48135 Rating

Review Sources

4.8 (61)

Why choose this provider?

Onyx Credit Geeks is the longest-running credit repair company near Detroit and is dedicated to helping clients improve their credit scores. The company understands how important an accurate credit report can be, so it offers services to support this goal. Onyx Credit Geeks analyzes credit files, coaches individuals on credit, communicates with the three credit bureaus, regularly monitors cases, and updates clients regularly on their case status. The company provides 24/7 access to accounts, so clients can easily retrieve their information.

211 W Fort St Ste 1620, Detroit, MI 48226 Rating

Review Sources

5.0 (62)
5.0 (7)
5.0 (1)

Why choose this provider?

Acclaim Legal Services PLLC is a credit repair company in Detroit that has offered attorney-based credit repair solutions for over 17 years. The attorneys focus on bankruptcy law, foreclosure prevention, and debt consolidation and resolution. They advise on bankruptcy procedures and safeguard clients from foreclosures, repossessions, expensive auto payments, utility shut-offs, garnishments, and harassing calls from credit bureaus. The company reduces unsecured debts, such as credit and medical bills, by creating workable bankruptcy plans. Acclaim Legal Services handles the removal of second mortgages and home equity loans. It also assists clients in receiving zero percent interest in repayment rates.

Attorney Information

Attorney NameBar StatusExperience
Christopher Jones - Managing AttorneyActive19 yrs

607 Shelby Street, Detroit, MI 48226 Rating

Review Sources

5.0 (7)

Why choose this provider?

Elite Credit Solutions, LLC has been providing credit repair services in support of its clients' financial goals. Founded in 2019, it caters to Detroit and the nearby areas. ECS assists clients who have acquired bad credit histories, from educating them about the essential value of healthy credit to providing solutions to credit concerns like disputing negative items. It classifies its restoration services as elite monthly restoration and expedited elite restoration, depending on the scope of the work. These services are accessed through a client portal that is available 24/7.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Detroit, MIFree Credit Evaluation
Lexington Law
Detroit, MIFree Credit Report Consultation
High Achievement Center
27620 Farmington Rd., Suite 200, Farmington Hills, MI 48334
RCA Credit Repair L.L.C.
400 Renaissance Center, Detroit, MI 48243
Credit Repair Detroit
Detroit, MI 48226
New Beginnings
PO Box 32299, Detroit, MI 48232
ASAP Credit Repair
15001 Kercheval Ave Unit #2010, Grosse Pointe Park, MI 48230
Nationwide Credit Cleaning
18701 Grand River Avenue, #247, Detroit, MI 48223
Onyx Credit Repair
28536 Ford Rd Ste B, Garden City, MI 48135
Onyx Credit Geeks
28536 Ford Road, Garden City, MI 48135
Acclaim Legal Services, PLLC
211 W Fort St Ste 1620, Detroit, MI 48226
Elite Credit Solutions, LLC
607 Shelby Street, Detroit, MI 48226


  • 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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