Expertise.com

Best Credit Repair Companies in Warren

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Warren, MI
Visit WebsiteWebsite
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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.
4.8
Google
4.8 / 5 (5320)
Yelp
2.5 / 5 (23)

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

Price: Free credit evaluation

Credit Repair Gal logo
Visit WebsiteWebsite

Credit Repair Gal

3200 Greenfield Road, Dearborn, MI 48120
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Audit

Business Description

Credit Repair Gal offers comprehensive services to help clients from Warren improve their credit scores. The company follows four steps involving credit audit, repair, education, and building credit to come up with in-depth action plans. It aims to detail how its clients can resolve and eliminate credit report errors and maintain good credit scores in the long run. By doing so, Credit Repair Gal can help them get approved for housing loans, auto purchases, and employment opportunities.

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)
Davis Credit Repair Co. logo
Visit WebsiteWebsite

Davis Credit Repair Co.

15001 Kercheval Avenue, Grosse Pointe Park, MI 48230
Visit WebsiteWebsite
  • Debt Consolidation

Business Description

Based in Detroit, Davis Credit Repair Co. LLC assists clients with legal credit correction and education services. Having experience dealing with consumers, businesses, and mortgage and credit companies, the firm has the expertise to prepare the needed documentation and come up with a step-by-step process toward repairing a client's credit standing and score. A client can seek advice on remedies involving credit collections, charge-offs, late payments, student loans, and repossessions. Spouses Samantha and Keshaun Davis started the firm to help clients with proper credit management.

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 (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
Elite Credit Solutions logo
Visit WebsiteWebsite

Elite Credit Solutions

607 Shelby Street, Detroit, MI 48226
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Since 2019, Elite Credit Solutions has assisted clients in the Warren area by repairing their credit scores. The company's objective is to guide clients in reaching their financial goals by educating them about credit scores, history, laws, and benefits. It also helps fix low credit scores through debt settlement facilitating, communications to all credit bureaus, file accuracy assurance, and purchase disputes. Elite Credit Solutions has received feedback from clients, saying the company has helped them restore their credit score at a steady number.

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 (11)

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
Fair Game Credit Repair logo
Visit WebsiteWebsite

Fair Game Credit Repair

3200 Greenfield Road, Dearborn, MI 48120
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Fair Game Credit Repair is a Michigan-based credit repair company serving Warren and Dearborn. It provides comprehensive credit solutions inclusive of a personal case analyst and advisor, a thorough case evaluation, fully customized dispute options, dispute letters sent on the clients' behalf, and 24/7 case status access through the company portal. It also offers an MVP Affiliate Program designed for professionals, such as Realtors, lawyers, mortgage brokers, and business owners. Additionally, Fair Game Credit Repair is capable of assisting Spanish-speaking clients.

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 (51)
Google
5.0 / 5 (12)
Michigan Consumer Credit Lawyers logo
Visit WebsiteWebsite

Michigan Consumer Credit Lawyers

22142 West Nine Mile Road, Southfield, MI 48033
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Michigan Consumer Credit Lawyers is made up of a team of consumer credit lawyers that has been helping customers in Warren and the surrounding areas with credit repair for over 20 years. These credit lawyers have experience handling credit card disputes, settlement of harassment from debt collectors, and employment and Fair Credit Reporting Act. They help in credit score recovery by repairing credit due to identity theft, credit discrepancies, prolonged reporting of delinquencies using the FCRA.

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
4.0 / 5 (45)
Facebook
4.5 / 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
Optimal Debt Solutions logo
Visit WebsiteWebsite

Optimal Debt Solutions

Warren, MI 48092
Visit WebsiteWebsite
  • Debt Consolidation

Business Description

Optimal Debt Solutions is a full-service credit and debt management company that services clients in Warren and its surrounding communities. The company is staffed by more than 265 professionals who assist clients with debt settlements and relief. It has a program that helps clients negotiate new terms for debts involving repossessions, credit cards, unsecured loans, collection accounts, and medical bills. Optimal Debt Solutions also handles debt settlement, allowing clients to settle for less than what they owe. It has been operating since 2009.

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.
4.0

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
Restoring Lifestyles logo
Visit WebsiteWebsite

Restoring Lifestyles

13854 Lakeside Circle, Sterling Heights, MI 48313
Visit WebsiteWebsite
  • Debt Consolidation
  • Credit Audit

Business Description

Restoring Lifestyles supports customers in Warren and the nearby areas in fixing their credit scores. It helps clients deal with debt collection letters, rebuild credit, remove inaccurate information, and offer various financial resources. In particular, its team updates, corrects, and removes unverifiable items like bankruptcies, child support, repossessions, foreclosures, collection accounts, and duplicates. The business focuses on assisting people in getting their financial life back through constant education on credit-related matters.

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
––
The Bishop of Credit logo
Visit WebsiteWebsite

The Bishop of Credit

400 Renaissance Center, Detroit, MI 48243
Visit WebsiteWebsite
  • Credit Dispute

Business Description

The Bishop of Credit is Shameka Bishop, who leads RCA Credit Repair L.L.C., a Detroit-based credit repair service that works with clients in the local area and nearby communities, including Warren. She offers various credit repair programs. These programs include services such as monthly one-on-one credit education and assistance in disputing credit report inaccuracies. She has also authored a book that contains methods on how to repair credit scores and templates for credit report dispute letters.

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
Facebook
5.0 / 5 (5)
Google
4.0 / 5 (4)

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
Back to Providers

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.

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.

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.

Read all FAQs