Expertise.com

2024

Last updated:

Best Credit Repair Companies in Warren

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Warren Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

103Reviewed

65Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 (10602)
Yelp
2.2 / 5 (30)

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

Warren, MI

Why choose this provider?

Need help contacting a Credit Repair Company in Warren? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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 booking service | Call 848.Book.Pro!

Website
400 Renaissance Center, Detroit, MI 48243
  • Credit Dispute

Why choose this provider?

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.
4.6
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

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

Why choose this provider?

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)
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
Warren, MI 48092
  • Debt Consolidation

Why choose this provider?

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

Website
3200 Greenfield Road, Dearborn, MI 48120
  • Credit Dispute

Why choose this provider?

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)

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

Why choose this provider?

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.
4.0
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

Website
3200 Greenfield Road, Dearborn, MI 48120
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

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)

Website
607 Shelby Street, Detroit, MI 48226
  • Credit Dispute

Why choose this provider?

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.
4.2
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

FAQs

  • 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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