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Best Credit Repair Companies in Livonia, MI

Our Recommended Top 7

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 Livonia 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.



7Top Picks

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featured provider = Featured Provider

Livonia, MI Rating

Review Sources

4.8 (8775)
2.5 (26)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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


Livonia, MI
Free Credit Report Consultation 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

3200 Greenfield Rd. Suite 300, Dearborn, MI 48120 Rating

Review Sources

5.0 (19)

Why choose this provider?

Credit Repair Gal caters to customers in Livonia and the surrounding areas. It offers credit repair services, which allow clients to have easier access to auto purchase, employment, housing, and insurance. Its work process involves analyzing clients' situations, identifying credit report errors and reviewing balances, and disputing inaccurate and unverifiable items. Some of the errors it refutes are charge-offs, collections, foreclosures, late payments, and repossessions. The company educates clients on credit repair tools and resources.

  • Credit Dispute

​41000 Woodward Ave. Ste 350, ​Bloomfield Hills, MI 48034 Rating

Why choose this provider?

Goldman Credit Solutions serves individuals in and around the Livonia area. This firm's specialties lie in assisting clients who are looking to get approved for mortgage loans. Its credit experts dispute and remove negative items on credit reports, such as late payments, repossessions, bankruptcies, judgments, and medical bills. They also educate clients on ways to raise their credit scores. The company provides clients with access to their accounts to monitor their credit reports and score improvement in real-time.

  • Credit Dispute

22142 W Nine Mile Rd, Southfield, MI 48033 Rating

Review Sources

4.3 (46)
5.0 (9)

Why choose this provider?

Michigan Consumer Credit Lawyers serves clients in Livonia. The firm opened its doors for business in 1983, repairing credit report errors. It caters to those looking to recover from false reporting and identity theft, frequently contacted by debt collectors, and denied employment due to their credit scores. The firm reviews the client's reports for errors, sends dispute letters to the credit bureaus, and reviews the progress while keeping open communication with the client. It also values the environment by being a paperless business since 2008.

  • Credit Monitoring

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

Review Sources

4.6 (260)

Why choose this provider?

ASAP Credit Repair, founded in 2013, is a family-owned and operated business that serves residents of Livonia and the surrounding areas. Its credit repair specialists assist clients in improving their credit scores by filing disputes with credit bureaus and creditors to have inaccurate or unfair negative items removed from their credit reports. Late payments, foreclosures, charge-offs, judgments, and repossessions are examples of these. They also educate people on how to rebuild credit and maintain positive credit.

  • Credit Monitoring

​2080 Whittaker Rd Suite 268, Ypsilanti, MI 48197 Rating

Why choose this provider?

Business Financial Expert is a credit restoration company serving Livonia and nearby areas. It works with individuals, couples, first responders, veterans, and active-duty members. The firm also offers credit repair solutions for businesses. Its credit specialists challenge negative report items, working with credit bureaus and creditors on clients' behalf. They also educate debtors on positive credit score maintenance. Clients have 24/7 access to their accounts, allowing them to monitor progress and view updates in real time.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Livonia, MIFree Credit Evaluation
Lexington Law
Livonia, MIFree Credit Report Consultation
Credit Repair Gal
3200 Greenfield Rd. Suite 300, Dearborn, MI 48120
Goldman Credit Solutions
​41000 Woodward Ave. Ste 350, ​Bloomfield Hills, MI 48034
Michigan Consumer Credit Lawyers
22142 W Nine Mile Rd, Southfield, MI 48033
ASAP Credit Repair
15001 Kercheval Ave Unit #2010, Grosse Pointe Park, MI 48230
Business Financial Expert
​2080 Whittaker Rd Suite 268, Ypsilanti, MI 48197


  • 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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