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Best Credit Repair Companies in Troy

2023

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Website
PO Box 130, Farmington, MI 48332
  • Credit Dispute
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

UCES Protection Plan provides financial services such as credit repair to clients in Troy. In order to help consumers restore their credit scores, its agents file disputes with appropriate agencies in order to correct inaccurate information or remove incorrect and obsolete accounts from the report. They also provide monitoring services that keep clients up to date on their scores. Individuals learn how to keep good financial references by using the company's credit builder services. UCES Protection Plan also has Spanish-speaking team members.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
42211 Garfield Rd. Ste #296, Clinton Township, MI 48038
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

KPI Credit Service provides a broad array of services to customers in Troy, including credit restoration, auditing, and analysis, as well as credit education, item dispute, and budgeting. It calls into question the veracity of information deemed inaccurate that is affecting the client's credit reports and scores. It talks with creditors to update or remove information. For the security of its clients, it keeps up to speed on the legislation that regulates collection agencies and credit bureaus.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Detroit, MI
  • Credit Audit

Why choose this provider?

Queen Tax & Credit Solutions works with individuals and small businesses in Troy and the surrounding areas. Credit repair services are provided by the company to remove negative marks such as installment loans, medical bills, felony convictions, late payments, and utility bills. It also provides clients with credit monitoring as well as secured and unsecured credit cards. In addition, its team assists clients in establishing business credit so that they can obtain funding for their businesses. Tax preparation, bookkeeping, and business formation are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
​Southfield, MI 48033
  • Credit Dispute

Why choose this provider?

Financial Independence Resource Experts, LLC, works with clients in and around Troy. Its case analysts and advisors assist individuals by improving their credit rankings and correcting errors on their records. They negotiate with credit bureaus and clients' lenders to dispute negative items on their credit reports. In addition, clients have access to their accounts 24/7 for live updates on their credit reports and rankings. The company is a subsidiary of Henderson-Myers Homes Services LLC.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
33467 Harper Ave, Clinton Township, MI 48035
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Blackwood Credit Services caters to individuals and businesses in Troy and nearby cities. It assists clients with credit report audits, credit education, and disputing erroneous or unverifiable information. The company also provides other services, such as credit restoration, business consulting, LLC foundation setup, and filing federal employer identification numbers. One of the clients has praised Blackwood Credit Services for assisting her in improving her credit ratings promptly, allowing her to plan for her mortgage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (25)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
18701 Grand River Avenue, #247, Detroit, MI 48323
  • Credit Monitoring

Why choose this provider?

Nationwide Credit Clearing is a West Bloomfield-based company that provides credit repair services to clients in the Troy metro and its neighboring communities. It rids of the negative items in credit reports, such as tax liens, charge-offs, late payments, short sales, and judgments. Its team of specialists also files disputes and challenges credit reports that are unfavorable and have outdated, incomplete, misleading, and inaccurate information. Nationwide Credit Clearing has been in the industry for more than 35 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (333)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
20014 Indiana St, Detroit, MI 48221
  • Credit Audit

Why choose this provider?

Aim 850 is a credit repair company serving clients throughout Troy and the nearby cities. It offers mentorship and guidance programs to assist individuals in restoring and maintaining their credit scores to help achieve their purchasing or investment goals. It also removes negative items from the credit bureaus to improve clients' scores to 850. The company also allows clients to book online credit repair consultations and mentorship programs to provide accessible and flexible services through its website.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
​41000 Woodward Ave. Ste 350, ​Bloomfield Hills, MI 48034
  • Credit Monitoring

Why choose this provider?

Goldman Credit Solutions coaches individuals in Troy and the surrounding communities on ways to build their scores. It deals with creditors and credit bureaus on behalf of clients and disputes negative items such as collections, judgments, late payments, medical bills, repossessions, and student loans. Customers are provided with 24/7 access to their case status. Goldman Credit Solutions leverages its experience in business, consumer, and mortgage credit to increase the chances of people having their loans approved.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13854 Lakeside Circle, Ste 507-0, Sterling Heights, MI 48313
  • Debt Consolidation

Why choose this provider?

Restoring Lifestyles provides credit restoration solutions for consumers in and around the Troy area. Its credit repair service involves analyzing clients' reports to identify unverifiable, inaccurate, and misleading items such as collection accounts, tax liens, late payments, and authorized users. Its team handles the dispute process on behalf of clients, which involves challenging the information collectors, creditors, and credit bureaus sent. Part of the process is educating clients on debt settlement and credit rebuilding. Restoring Lifestyles also offers credit monitoring services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
22142 W. 9 Mile Rd., Southfield, MI 48033
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Michigan Consumer Credit Lawyers caters to individuals in Troy and the neighboring communities. The law firm uses the Fair Credit Reporting Act to help clients fix their credit reports. It writes letters to credit reporting agencies to remove erroneous items caused by issues like discrepancies among credit reporting agencies for the same debt; delinquencies that have been reported for longer than seven years; and identity theft. Founder Gary Nitzkin has been offering legal representation for more than 20 years and is also a certified public accountant.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (47)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
​220 S. Main St, Royal Oak, MI 48067
  • Credit Monitoring

Why choose this provider?

Serenity Solutions Group LLC works with credit bureaus and creditors to counteract unfavorable report items that harm people's credit ratings in Troy and the surrounding communities. The company's services also include document preparation, credit education, monthly audits, and credit monitoring. Its team of professionals produces customized dispute letters on behalf of clients, with different options for various credit repair needs. Clients can access a 24/7 site to update their information and the status of their cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
671 East Big Beaver Road, Troy, MI 48083
  • Credit Monitoring

Why choose this provider?

Xcel Funding holds consultations with individuals and businesses in the Troy area. It offers credit repair solutions to improve personal credit scores and fix damaged credit. It looks into the clients' payment history, credit mix, debt, and new credit. The firm provides assistance with business loans for inventory, seasonal cash flow gaps, and equipment. It also has investment property loans such as rehab and bridge loans. Xcel Funding works with various industries, including restaurants, eCommerce, retail, and auto centers.

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Frequently Asked Questions

  • 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.

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