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Find the Best Credit Repair Companies in Detroit, MI

Whether you want to get a home loan, start a business or reduce your interest rates, it helps to have good credit. Credit repair representatives have the skills, experience and resources to make the process easier and more efficient. Consumer Affairs researched the best credit repair in Detroit, picking companies with successful track records to help you improve your score.

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Compare Top Credit Repair Companies

Overall satisfaction rating
  • Services start at $59.99
  • Available in Detroit
  • 3 reports every 45 days
  • Help building new credit

Clean up your credit report!

Learn More (478) 845-6310 Read More
Accredited Partner
Sky Blue Credit Repair
Overall satisfaction rating
  • Debt validation
  • Goodwill letters
  • Available in Detroit
  • $69 per month

Sky Blue Credit Repair is a credit repair and restoration company. Their counselors are paid by salary, not commission. The firm offers help to individuals and families looking to clean up their credit histories and learn how to improve their financial lives and offers faster disputes than other companies with a rate of 15 items every 35 days.

Learn More (888) 751-6072 Read More
Accredited Partner
The Credit People
Overall satisfaction rating
  • 32% avg. increase in credit score
  • Unlimited disputes
  • Available in Detroit
  • Debt & inquiry validations

Raise your credit score in as little as 60 days by working directly with the credit experts at The Credit People. Your credit expert will develop a credit improvement strategy that includes challenging and removing questionable items from your credit report.

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Accredited Partner
The Credit Pros
Overall satisfaction rating
  • $99/month for individuals
  • Unlimited dispute letters
  • Available in Detroit
  • $159/month for couples

The Credit Pros is a national credit repair company dedicated to helping clients remove inaccurate information from their credit reports.

Learn More (844) 441-1397 Read More
Lexington Law
Overall satisfaction rating
  • Credit repair blog
  • Friends & family discount
  • Services start at $89.95
  • Available in Detroit

Lexington Law is a credit repair and credit education firm that helps people all over the United States find affordable and legal ways to dispute credit inaccuracies and repair bad credit. They are staffed with attorneys and paralegals trained in credit law and consumer protection statutes.

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Credit repair in Detroit

Detroit skyline

Detroit has been through tough times and they’ve made a lasting impact on the wallets and credit scores of the people who live here. According to the Urban Institute, 66 percent of Detroiters have low credit scores and 68 percent have delinquent debt.

Detroit is ranked #8 on a list of the 500 cities with the lowest credit scores. The average credit score in Detroit is 565, well below the state and national averages of 677 and 695 respectively.

Bad credit can cost you

A low credit score makes it harder to access loans and lines of credit, and it costs more when you do. The table below shows the monthly payment and cost in interest for a $20,000 fixed interest rate auto loan at different credit levels.

FICO score APR Monthly payment Total interest cost
720-850 4.448% $594 $1,401
690-719 5.644% $605 $1,788
660-689 6.865% $616 $2,187
620-659 9.919% $645 $3,205
590-619 14.536% $689 $4,796
500-589 15.707% $700 $5,209

A good credit score can save you thousands, but the process of getting one doesn’t happen overnight.

Minor hits to your credit score, caused by maxing out a credit card or closing an account, take about three months to resolve, but the damage caused by missed payments and defaults requires more time to repair.

On average, it takes two-and-a-half years to rebuild bad credit if you know what you are doing and have the time to do it. That’s where credit repair companies come in.

How credit repair works in Detroit

Credit repair companies obtain and review your credit reports, identify items eligible for dispute and file disputes on your behalf. While you can do this on your own, credit repair companies in Detroit employ little-known strategies for the best results. They also provide credit counseling, credit monitoring and goodwill and cease and desist letters, as needed.

Credit repair cost in Detroit

The cost of credit repair in Detroit varies, but most companies charge a one-time enrollment fee followed by monthly payments ranging from $75 to $200.

How to avoid credit repair scams

Watch out for companies that pressure you to pay for services in full and up-front or guarantee items will be removed from your credit report. Reputable credit repair companies don’t promise quick solutions. Be wary of ones that do.

The law requires credit repair companies to provide an approximate time frame for results, the total cost in advance and a written contract that includes your rights.

Finding the right company is important because there are scams. The best way to avoid being duped is to know your rights and be on the lookout for warning signs.

Detroit Credit Repair Reviews

Credit Saint

With multiple specialists assigned to each client, Credit Saint customers have a whole team fighting on their behalf to dispute false claims and assist with credit restoration. Customers say the personalized credit repair plans are easy to follow and the responsive customer service is quick to resolve issues and answer questions.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Customers in Detroit love this company. Many attest to their successful dispute record and that after working with Sky Blue they had higher credit scores. Sky Blue Credit Repair offers professional analysis, credit dispute services, credit rebuilding, goodwill letters, debt validation, negotiation guidelines and advice on little things you can do to improve your credit score.

Sky Blue Credit Repair Learn More (888) 751-6072

The Credit People

In addition to low monthly pricing, The Credit People also offers an Unbeatable Satisfaction Guarantee which allows customers to cancel at any time, refunding the previous month. Customers appreciate how little they have to do to get an improved credit score.

The Credit People

The Credit Pros

As one of the country’s fastest-growing financial technology firms, The Credit Pros is an ideal choice for debt-free technophiles looking to grow their credit, receive advice and have access to financial education tools. Customers say their blog offers some of the easiest to understand and most practical tips for repairing your credit score, but that their price is a little steep for anyone strapped for cash.

The Credit Pros Learn More (844) 441-1397

Lexington Law

For a personalized credit consultation and a copy of your credit report, Lexington Law has you covered. Customers rave about the ease of the process and helpful advice, but most of all how great it feels to have a high credit score. Their Waterford office is especially praised in online reviews.

Lexington Law