Best Credit Repair Companies in Rochester Hills, MI

Xcel Funding provides credit repair services to people living in Rochester Hills and the surrounding communities. The company helps clients remove inaccuracies from their credit reports and improve personal credit scores. In addition, its team works with alternative lenders to offer loans to small businesses, including auto repair centers, retail stores, restaurants, and eCommerce shops, that are looking to expand. Its funding advisor also handles real estate lending like rehab, bridge, and rental property loans.

Restoring Lifestyles is a credit repair firm that works with clients in the Rochester Hills area. Its team works with the three major credit bureaus to dispute inaccurate or misleading information in their reports. These include charge-offs, medical bills, bankruptcies, tax liens, and foreclosures. This service can help increase credit scores so that clients can get mortgages and car loans with better terms. The company also has extensive experience dealing with creditors, including issuing cease-and-desist letters.

Blackwood Credit Services works with individuals and businesses in and around the Rochester Hills area. Its team helps clients restore credit by disputing inaccurate and unverifiable information found in clients' reports. The professionals also conduct credit report audits and provide credit education. In addition to credit repair, they offer services for clients looking to form businesses. They take care of preparing documents, developing business structures, and filing federal EINs. Blackwood Credit Services has helped clients eliminate over $59 million of debt.

Fair Game Credit Repair serves clients in Rochester Hills who have problems with obtaining loans. It counsels customers on workable practices for improving debt ratio scores sans the use of credit cards. The team eliminates unwanted credit inquiries from one's credit report, and has experience dealing with major bureaus including Experian. In the case of one client, Fair Game was able to raise their rating from the 500's range to 700. The company also maintains facilities that let people access their records remotely.

KPI Credit Service serves consumers in Rochester Hills and the surrounding areas. It offers a wide variety of services, including credit restoration, auditing, and analysis, as well as credit education, item dispute, and budgeting. It seeks validation and disputes the veracity of erroneous information influencing the client's credit reports. It talks with creditors to update or remove information. To safeguard its clients, it stays current on the laws that regulate collection agencies and credit bureaus.

Financial Independence Resource Experts, LLC, is a credit repair company that serves Rochester Hills. Its advisors perform in-depth credit analyses to identify negative items on reports, such as bankruptcies, charge-offs, collections, and foreclosures, that affect their clients’ scores. They send dispute letters to bureaus and creditors on clients' behalf to remove derogatory information. They provide 24/7 access to accounts for status updates. A previous client commended the company for helping her purchase her first home by improving her credit.

3D Credit Consultants offers services to clients in Rochester Hills and the surrounding areas. It provides credit repair services to individual debtors, fixing bad credit reports by coordinating with credit bureaus to correct negative items. It also employs strategies to protect clients from identity theft through manual monitoring or a passive credit monitoring service like Credit Karma. In addition, the agency educates on debt settlement and budgeting to improve financial profiles. Founder Lawrence Nealy is a board-certified credit score counselor and credit consultant.