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Best Credit Repair Companies in Detroit, MI

Aug. 16, 2019, 8:38 p.m.

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

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WXYZ may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
Credit Saint

Clean up your credit report!

VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Services start at $59.99
  • Available in Detroit
  • 3 reports every 45 days
  • Help building new credit
Read More
VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#2
Lexington Law
Lexington Law
Features
  • Credit repair blog
  • Friends & family discount
  • Services start at $89.95
  • Available in Detroit
Read More
VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
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#3
The Credit People
The Credit People
Features
  • 32% avg. increase in credit score
  • Unlimited disputes
  • Available in Detroit
  • Debt & inquiry validations
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VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#4
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Debt validation
  • Goodwill letters
  • Available in Detroit
  • $69 per month
Read More
VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#5
The Credit Pros
The Credit Pros
Features
  • $99/month for individuals
  • Unlimited dispute letters
  • Available in Detroit
  • $159/month for couples
Read More
VISIT WEBSITE
CALL THE CREDIT PROS
(855) 897-5132
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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.

Credit Saint

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT 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.

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Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT 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.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT 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.

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Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT 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.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(855) 897-5132 VISIT 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.

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Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.