Last updated:

Best Credit Repair Companies in Rochester Hills, 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 Rochester Hills 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

Learn about our selection process.


featured provider = Featured Provider

847 Sumpter Rd #467, Belleville, MI 48111

Why choose this provider?

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.

  • Credit Monitoring

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

Review Sources

5.0 (4)

Why choose this provider?

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.

  • Credit Audit

13854 Lakeside Circle, Ste 507-0, Sterling Heights, MI 48313 Rating

Review Sources

5.0 (7)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

3200 Greenfield Road Ste 300 #A1, Dearborn, MI 48120 Rating

Review Sources

5.0 (11)

Why choose this provider?

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.

  • Credit Audit
  • Credit Monitoring
  • Credit Dispute

671 East Big Beaver Road, Troy, MI 48083

Why choose this provider?

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.

  • Credit Dispute

33467 Harper Ave, Clinton Township, MI 48035 Rating

Review Sources

4.5 (26)

Why choose this provider?

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.

  • Credit Monitoring

Southfield, MI Rating

Why choose this provider?

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.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
3D Credit Consultants
847 Sumpter Rd #467, Belleville, MI 48111
KPI Credit Service
42211 Garfield Rd. STE #296, Clinton Township, MI 48038
Restoring Lifestyles
13854 Lakeside Circle, Ste 507-0, Sterling Heights, MI 48313
Fair Game Credit Repair
3200 Greenfield Road Ste 300 #A1, Dearborn, MI 48120
Xcel Funding
671 East Big Beaver Road, Troy, MI 48083
Blackwood Credit Services
33467 Harper Ave, Clinton Township, MI 48035
Financial Independence Resource Experts, LLC
Southfield, 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.

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...