Best Credit Repair Companies in Rochester Hills

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Credit Repair Companies FAQs

Last updated: September 28, 2022

3D Credit Consultants

847 Sumpter Rd #467, Belleville, MI 48111

Credit Monitoring

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.

Blackwood Credit Services

33467 Harper Ave, Clinton Township, MI 48035

Credit Monitoring

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

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

Credit Monitoring
Credit Audit
Credit Dispute

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.

Financial Independence Resource Experts, LLC

Southfield, MI

Credit Audit

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.

Insta Credit Repair Service

Detroit, MI

Credit Dispute

Insta Credit Repair Service offers various solutions to debtors in Rochester Hills. The firm works toward removing negative entries on customer records. The office eliminates items pertaining to unfavorable judgments, short sales, and late payments. It contests the existence of tax liens and repossessions. Insta Credit Repair delivers consultation services to individuals and prepares credit reports. The company’s reach extends to Detroit and its offices are available 24 hours a day to take appointments.

KPI Credit Service

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

Credit Audit

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.

Restoring Lifestyles

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

Credit Monitoring
Credit Audit

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.

Vibrate Higher Credit

8232 E 12 Mile Rd, Warren, MI 48093

Debt Consolidation

Vibrate Higher Credit serves clients in the Rochester Hills metro. It helps clients achieve their goals of buying a new home, owning a car, or improving their credit scores. It assists in challenging any inaccurate or erroneous information on their files with the credit bureaus, collection agencies, and creditors. Its team also guides them in developing a plan that reduces or eliminates their debt. The firm has received a certification from the Credit Consultants Association.

Xcel Funding

671 East Big Beaver Road, Troy, MI 48083

Credit Dispute

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.

Yes Credit

1637 Grace Ave, Rochester Hills, MI 48309

Debt Consolidation

Yes Credit helps clients in Rochester Hills regain their financial confidence. It provides credit repair services that help improve clients' chances of getting a job, obtaining loans from banks, and purchasing homes. The company eliminates negative information from credit reports, such as late payments, repossessions, and charge-offs. Yes Credit also assists clients with the establishment of a credit history to build wealth and financial stability. It uses modern communication technologies, such as SMS, email, and Zoom, to update clients on their credit repair progress.

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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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