Best Credit Repair Companies in Dearborn

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American Credit Restoration logo

American Credit Restoration

21411 Civic Center Dr #305, Southfield, MI 48075
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  • Credit Audit

American Credit Restoration has been serving individuals and businesses in Dearborn and the surrounding areas since 2005. Its multistep credit repair process involves challenging and removing obsolete and incorrect items on clients' reports. Since no two credit statements are the same, its team develops strategies tailored to clients' unique needs and situations. Additionally, American Credit Restoration offers advice for business owners looking to build commercial credit. The firm also establishes business credit profiles and files corporations and LLCs.

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ASAP Credit Repair logo

ASAP Credit Repair

15001 Kercheval Ave Unit #2010, Grosse Pointe Park, MI 48230
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  • Debt Consolidation

ASAP Credit Repair is a family-owned and family-operated company serving clients in the Dearborn community and the surrounding areas. It helps individuals repair their credit scores by reviewing and addressing negative credit reports. It also provides consultation services to educate clients about credit repair techniques that help maintain a high score. The company also repairs credit scores damaged by foreclosures, bankruptcy, repossessions, late payments, excessive inquiries, and charge-offs. ASAP Credit Repair has been operating since 2013.

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Davis Credit Repair Co. logo

Davis Credit Repair Co.

15001 Kercheval Ave, Grosse Pointe Park, MI 48230
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  • Credit Dispute

Davis Credit Repair Co., LLC, works with residents of Dearborn who are facing financial issues. The firm improves the credit scores of clients by charging off debts, processing late payments, and collecting debts owed to the team’s customers in order to offset these amounts against outstanding obligations. The company also handles foreclosures, repossessions, and short sales of assets. Davis Credit Repair is a family venture owned by Samantha and Keshuan Davis, who themselves had to trudge through student loans.

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Queen Tax & Credit Solutions logo

Queen Tax & Credit Solutions

Detroit, MI 48127
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  • Credit Monitoring

Queen Tax & Credit Solutions is a firm serving individuals and businesses in and around Dearborn. It offers various credit repair packages. One package involves removing up to ten collection accounts, covering installments loans, medical bills, and charge-offs. It also provides packages that cover the removal of late payments, inquiries, and felony convictions. Business formation, bookkeeping, and tax preparation are the company's other services. It was established in 2015 by Olivia Davis, a Certified Public Bookkeeper and an IRS Registered Tax Return Preparer.

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The Peeples Solution logo

The Peeples Solution

25900 Greenfield Rd #340, Oak Park, MI 48237
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  • Credit Monitoring

The Peeples Solution serves clients in the Dearborn metro and the neighboring communities. Its specialists offer solutions to help people rebuild credit and get their financial lives back on track. They perform deep analyses of reports to spot negative items and work with bureaus and creditors to remove inaccurate information and improve their scores. The company assists clients through the process from start to finish and offers them 24/7 access to their personal dashboards to monitor results.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: 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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