Last updated:

Best Credit Repair Companies in Kalamazoo, MI

Our Recommended Top 3

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 Kalamazoo 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

4485 Plainfield Ave NE Ste 102, ​Grand Rapids, MI 49525 Rating

Why choose this provider?

US Fair Credit Alliance assists clients in Kalamazoo and the surrounding areas. It offers individuals solutions to their credit issues and thoroughly checks any possible inaccuracies in their credit reports. During the consultation, the specialists run the customers' accounts through an in-depth verification procedure to assess their credit reports and determine which program is best for them. They devise credit-building strategies to help them raise their credit ratings. The business has been around for more than two decades.

  • Debt Consolidation
  • Credit Audit

Grand Rapids, MI 49507 Rating

Why choose this provider?

Lawrence Assets LLC provides credit solutions to Kalamazoo and surrounding communities' business owners. The company assists in the development of corporate credit by guiding them through business compliance procedures and listing them with credit bureaus after compliance checks are completed. It also educates its clients on how to use their good credit to gain access to financial opportunities. Financial assistance for businesses is one of the other services available. Lawrence Assets works with Experian Business, BusinessCreditUSA, D&B, and Equifax.

  • Credit Monitoring

625 Kenmoor Ave SE Suite 301, Grand Rapids, MI 49546 Rating

Review Sources

4.5 (31)

Why choose this provider?

Guaranteed Financial Solutions provides credit repair assistance to the residents of Kalamazoo and nearby areas. Its specialists perform credit analysis and remove inaccurate and unverifiable information from clients' credit reports. Among these are collections, foreclosures, charged-off accounts, judgments, late payments, and tax liens. In addition, the firm has developed a network of FCRA attorneys to refer clients' concerns to if the bureaus fail to comply with their rights. 24/7 access to the case states and progress is also available.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
US Fair Credit Alliance
4485 Plainfield Ave NE Ste 102, ​Grand Rapids, MI 49525
Lawrence Assets LLC
Grand Rapids, MI 49507
Guaranteed Financial Solutions
625 Kenmoor Ave SE Suite 301, Grand Rapids, MI 49546


  • 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.

Related Articles


How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...