AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros

    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit

    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People

    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair

    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
BBB Accredited
Credit Saint logo

Credit Saint

    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
CreditRepair.com logo


    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
Most Clients Served
Lexington Law logo

Lexington Law

    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection

Your credit plays an important role in your life. It determines how much interest you will pay for loans and even how high or how low your insurance premiums will be. If you have good credit or excellent credit, the world is your oyster and companies will go out of their way to give you their business. At the same time, if you have less than perfect credit or poor scores, it can be very difficult to secure a loan or even land a job. Bad credit is like a big red mark that stops companies from taking you seriously as a consumer. If you are tired of being treated like a lower-class consumer, consider hiring a Michigan credit repair agency to help fix your report and rebuild your credit scores.

Overview of the credit industry in Michigan

Michigan is a cheap state to live in in the United States. The general cost of living, including basic necessities and housing, is lower than the average for the country. Possibly related to this, Michigan has some of the lowest credit card debt averages in the country. Michigan has an average credit card debt of $4,678 per person versus the national average of $5,193 per person.

Despite its low cost of living, Michigan has similar credit scores to many other US states. The average credit score for the state sits at 719 per person, which is just five points above the national average of 714. Whether you have the average credit score in Michigan or not, it can be helpful to improve your credit score through a process called credit repair.

What Can Credit Repair Fix?

If you have a bad credit score, it is going to be difficult to get ahead. Many services will cost more if you are even approved. Credit repair is a broad way to address negative issues on your credit report that are dragging the score down. Some concerns that can be addressed through a professional repair service are:

  • Missing accounts
  • Repossessions
  • Foreclosure
  • Mistakes caused by fraud
  • Old accounts
  • Late payment entries
  • And so much more

Laws that effect credit repair in Michigan

In Michigan, the Credit Services Protection Act (MI Comp L 445.1821) gives some guidelines to what credit repair Companies can do in the state. The main area of this law impacts is how contracts can be set up between Michigan credit repair companies and their customers. Contract periods cannot exceed 90 days. After 90 days, a new contract must be signed by both parties.

The federal Credit Repair Organizations Act (CROA) is the other major legislation that affects credit repair in Michigan. All companies doing credit repair in the state must adhere to this law, which covers how payment can be charged, what services can be done for customers, how companies can talk about the services they provide, and more.

Do you need a lawyer to do credit repair in Michigan?

It's not necessary to use a credit repair lawyer in Michigan. Although many lawyers do offer this service, anyone that follows federal and state regulations is able to perform the service for you. Technically, you can even do it for yourself, but this is not recommended unless you have a lot of experience doing credit repair already, plus a lot of free time to speak with representatives at the credit bureaus.

Credit repair process in Michigan

Credit repair is a time-intensive undertaking that will result in a healthier score and few negative marks. The credit counselor will start off by challenging items on your credit report that are inaccurate. If the reporting companies are unable to validate the negative marks, they will be withdrawn from your credit report. Your score will start to go up as inaccurate items fall off. Once the inaccurate items have been stricken from your report, the credit repair agency will start working on late payments next. Once you bring your account into good standing, they will ask the creditor for a goodwill adjustment which will obliterate the negative mark from your credit report.

It is critical to keep in mind that legitimate credit repair takes time. The Fair Credit Reporting Act states that inaccurate entries must be confirmed or removed within 45 days, which will be the earliest you will see changes to your report. Generally, you will start to note improvements as early as a few months, but it can also take as long as a year depending on your specific circumstances.

In Michigan, the credit repair process takes around three steps. These three steps are:

Step 1: Making a credit report request  

Before you can begin credit repair, you need to take a look at your credit reports. Credit reports are records of information that is related to your credit. They’re maintained by one of the three major credit bureaus in the United States. Each credit Bureau maintains its own credit report, with each report containing slightly different information depending on which Michigan businesses reported to them. You are entitled to one free credit report from each credit Bureau every 12 months, whether you request it or not. You can request your credit reports online or through the mail.

Step 2: Credit report analyzation

Once you have each of the three credit reports in your possession, the next step is to closely look at them for any inaccurate transactions that might be there. It's not uncommon for credit reports to contain inaccurate information, whether it is a mistake or a fraudulent transaction. By keeping track of your own credit reports and all of the entries present there, you can make sure you're only being judged by the things that you've actually done and not by any inaccurate entries that shouldn't be there. If you find any inaccurate entries, it's time to move on to step 3.

Step 3: Sending off dispute letters

Unfortunately, you can't remove inaccurate entries from your credit report by yourself. But, what you can do is contact the credit bureau that maintains that credit report and request them to remove it for you. This process requires sending a dispute letter containing information about the false entry and evidence of why the entry is inaccurate. After some time and usually many follow-ups with the credit bureau, inaccurate entries can be removed from your credit reports permanently.

Note: Don’t be deceived by the apparent simplicity of the process. It's not as easy as it looks! If you don't already have experience doing credit repair in Michigan, you’ll want to work with an experienced company or individual who does. The final step of sending in a dispute letter and following up with the credit Bureau can often take months. It will take even longer if you don't know what you're doing and you accidentally make a misstep.

Common questions and answers:

How much can you improve your credit score in Michigan?

Depending on if you have any inaccurate entries on your credit report or not, credit repair can do a lot to improve your score in Michigan. Having inaccurate entries removed from your credit report will make sure that you are only getting judged by your actual payment history. Considering that payment history can make up as much as 35% of your credit score, credit repair will be significant for anybody that has false or fraudulent entries on their credit reports, especially in their payment history section.

How much does it cost to fix your credit in Michigan?

On average, credit repair is between $89 to $169 in Michigan. This is charged on a monthly basis from the beginning of the process until it's completely resolved. Most of the companies offering credit repair will also charge an upfront contract setup fee, but this is usually far lower than the monthly fee they charge. Contracts can be cancelled at any time, with all contracts for credit repair in Michigan being prohibited from going on past 90 days.

How long does the credit repair process take in Michigan?

Like in most US states, credit repair can take on average between 3 to 6 months in Michigan State. Unfortunately, credit bureaus can cause a lot of delays during the process and may not be able to resolve the issue for you until a lot of follow-up has been done after your initial dispute letter.

Are there any cities in Michigan where you cannot do credit repair?

Credit repair is open to every resident of Michigan. Whether you live in a larger metro such as Detroit, Grand Rapids, or Sterling Heights, or you live in a smaller city such as Eastpointe, Ferndale, or Dorr, credit repair can be accessed from any company around the United States that follows the state and federal regulations within Michigan.

Get help with credit repair in Michigan:

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