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Best Credit Repair Companies in Macomb, 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 Macomb 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

42211 Garfield Rd. STE #296, Clinton Township, MI 48038 Rating

Review Sources

5.0 (3)

Why choose this provider?

KPI Credit Service caters to the residents of Macomb and nearby areas. It helps individuals improve, restore, protect, and build their credit to maintain financial stability. Its specialists conduct credit analysis or audit, identify key factors and discrepancies in credit reports, validate information, and start the dispute process on clients' behalf. They also advise clients on how to deal with debt collection agencies. In addition, the firm offers DIY Self Credit Repair Dispute Software, which clients can use to repair their own credit.

  • Credit Audit

33467 Harper Ave, Clinton Township, MI 48035 Rating

Review Sources

4.5 (26)
5.0 (18)

Why choose this provider?

Blackwood Credit Services serves individuals throughout Macomb and its neighboring communities. This company provides clients with personal credit consultations, including credit education. It also offers credit restoration and report audits and disputes unverifiable or inaccurate information. Its process starts with the assessment of the client's credit situation, followed by the discussion of the reports with clients. Its team then goes after the credit collection agencies and bureaus for disputes. Blackwood Credit Services also provides business consulting and foundation setup services.

  • Credit Dispute

Detroit, MI Rating

Review Sources

5.0 (15)
5.0 (3)

Why choose this provider?

Queen Tax & Credit Solutions serves the residents of Macomb. Its services include credit repair and dispute resolution with respective agencies to remove questionable items that lower clients' scores. Its team members create plans that are specific to the issues at hand, such as felony convictions, evictions, repossessions, and charge-offs. The team also provides assistance with business formation, bookkeeping, and tax solutions. Olivia Davis established the agency in 2015. She is an IRS-approved tax preparer and e-file provider.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
KPI Credit Service
42211 Garfield Rd. STE #296, Clinton Township, MI 48038
Blackwood Credit Services
33467 Harper Ave, Clinton Township, MI 48035
Queen Tax & Credit Solutions
Detroit, MI


  • 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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