Last updated:

Best Credit Repair Companies in Southfield, MI

Our Recommended Top 8

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 Southfield 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.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Southfield, MI Rating

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 Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit

Southfield, MI Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Southfield? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

3200 Greenfield Road Suite 300, Dearborn, MI 48120 Rating

Review Sources

5.0 (2)

Why choose this provider?

TRB Credit Financials serves individuals and families in the Southfield metro and the surrounding areas. The credit repair company based in Dearborn offers consultations and credit audit services, which include full credit report analysis and a detailed action plan to help clients improve their credit scores. Its team also educates clients on ways to maintain good credit scores. TRB Credit Financials' CEO and founder, Tamika Robinson, is a board-certified credit consultant who finished two college degrees.

  • Credit Monitoring
  • Credit Audit

PO Box 32299, Detroit, MI 48232 Rating

Review Sources

5.0 (2)

Why choose this provider?

Since its inception in 2015, New Beginnings Community Consulting & Restoration has been assisting Southfield citizens in improving their financial condition through a number of credit repair services. Its professionals assist customers in improving their credit scores by deleting erroneous, deceptive, and negative entries such as late payments, tax liens, charge-offs, and repossessions from their consumer credit reports. Founder Tierra Joe has already appeared on Authority Magazine, Black Information Network, Michigan Chronicle, and other media outlets.

  • Credit Dispute

​220 S. Main St, Royal Oak, MI 48067 Rating

Review Sources

5.0 (22)

Why choose this provider?

Serenity Solutions Group LLC is a credit repair company serving the Southfield metro and neighboring communities. Its services include credit monitoring, education, ​document preparation, and monthly audit. Its credit repair specialists evaluate current credit reports and determine erroneous and inaccurate information. Clients are given the option to select which items to dispute. Credit coaching, consulting, and monitoring are conducted through different forms of communication, such as phone calls, emails, personal meetings, webinars, and video conferencing.

  • Credit Monitoring
  • Credit Audit

671 East Big Beaver Road, Troy, MI 48083

Why choose this provider?

Xcel Funding offers business solutions to clients in the Southfield area. Its services include repairing credit for individuals and businesses. Its professionals consult clients to educate them on the factors that determine their FICO scores, such as the length of credit history, amount owed, and payment history. They also work with retail, restaurant, e-commerce, and auto center industries looking to grow their businesses and secure the capital to maximize cash flow. The company offers small business and investment property loans.

  • Credit Dispute

15300 W. 8 Mile Rd. # 1, Oak Park, MI 48237 Rating

Why choose this provider?

Zoom Credit Repair has been serving clients in Southfield and nearby areas since 2006. Its team of specialists offers credit restoration services to individuals. It assists in the complex process of credit repair, and disputes incorrect and unfounded information on credit reports. It educates and coaches clients toward the attainment of their financial goals, in part by helping them secure healthier credit ratings. In addition, it provides the line of credit clients require, whether for starting or running a business.

  • Credit Audit

20014 Indiana St,, Detroit, MI 48221 Rating

Why choose this provider?

Aim 850 provides credit mentorship to individuals in Southfield and nearby areas. It educates clients on how to restore credit scores by removing negative and inaccurate items on their reports, including bankruptcies and repossessions. It also conducts sessions on building credit profiles to reach the 850 credit score and creates letters to send to credit bureaus for the disputes. The company conducts mentorship meetings, going over the clients' credit bureaus and tools that best fit their needs.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Southfield, MIFree Credit Evaluation
TRB Credit Financials
3200 Greenfield Road Suite 300, Dearborn, MI 48120
New Beginnings Community Consulting & Restoration
PO Box 32299, Detroit, MI 48232
Serenity Solutions Group LLC
​220 S. Main St, Royal Oak, MI 48067
Xcel Funding
671 East Big Beaver Road, Troy, MI 48083
Zoom Credit Repair
15300 W. 8 Mile Rd. # 1, Oak Park, MI 48237
Aim 850
20014 Indiana St,, Detroit, MI 48221


  • 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...