Best Credit Repair Companies in Troy

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Aim 850 logo
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Aim 850

20014 Indiana St, Detroit, MI 48221
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  • Credit Audit

Business Description

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
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Aim 850

Blackwood Credit Services logo
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Blackwood Credit Services

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

Business Description

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.
4.5
Google
4.5 / 5 (25)

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
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Blackwood Credit Services

Financial Independence Resource Experts, LLC logo
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Financial Independence Resource Experts, LLC

​Southfield, MI 48033
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  • Credit Dispute

Business Description

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
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Financial Independence Resource Experts, LLC

Goldman Credit Solutions logo
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Goldman Credit Solutions

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

Business Description

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
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Goldman Credit Solutions

KPI Credit Service logo
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KPI Credit Service

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

Business Description

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
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KPI Credit Service

Michigan Consumer Credit Lawyers logo
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Michigan Consumer Credit Lawyers

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

Business Description

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
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Michigan Consumer Credit Lawyers

Nationwide Credit Clearing logo
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Nationwide Credit Clearing

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

Business Description

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.
5.0
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
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Nationwide Credit Clearing

Queen Tax & Credit Solutions logo
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Queen Tax & Credit Solutions

Detroit, MI
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  • Credit Audit

Business Description

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
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Queen Tax & Credit Solutions

Restoring Lifestyles logo
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Restoring Lifestyles

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

Business Description

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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Restoring Lifestyles

Serenity Solutions Group LLC logo
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Serenity Solutions Group LLC

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

Business Description

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
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Serenity Solutions Group LLC

UCES Protection Plan logo
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UCES Protection Plan

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

Business Description

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.

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
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UCES Protection Plan

Vibrate Higher Credit logo
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Vibrate Higher Credit

8232 E 12 Mile Rd, Warren, MI 48093
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  • Credit Monitoring

Business Description

Vibrate Higher Credit caters to individuals in Troy and nearby areas looking to obtain financial security. The company works closely with clients to determine their situation by analyzing their credit and removing negative items on their reports. Its professionals send dispute letters to collections agencies, credit bureaus, and the client's creditor. They also devise a plan to reduce or eliminate the customer's debt and re-establish a healthy credit profile. Its additional services include business credit monitoring.

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 (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
Visit Website

Vibrate Higher Credit

Xcel Funding logo
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Xcel Funding

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

Business Description

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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Xcel Funding

Yes Credit logo
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Yes Credit

59 Birchwood Dr., Troy, MI 48083
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  • Debt Consolidation

Business Description

Yes Credit caters to clients in Troy. The credit repair company provide solutions to help clients fix or rebuild their credit scores. Its credit repair specialists perform a thorough analysis of credit reports to identify negative items. The group also disputes erroneous, outdated, or unverifiable information with three credit bureaus, namely Experian, Equifax, and TransUnion. The company has been featured in several media outlets, including The New York Times, Forbes, and NBC.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit Website

Yes Credit

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Frequently Asked Questions

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.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

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