Best Credit Repair Companies in Michigan (2026)
Michigan puts some important limits on how credit repair companies can operate. State law generally prohibits a company from collecting payment before it completes the services it agreed to perform, requires a written contract, and bans promises to remove accurate negative information.
Michigan also has a 90-day service rule for most covered agreements. Qualifying ongoing credit repair services can last longer, but the written agreement must allow the consumer to cancel at any time without penalty or further obligation.
We start with the national credit repair companies we recommend, followed by Michigan companies that currently offer credit repair services.
Credit Saint
Sky Blue Credit Repair
The Credit People
Credit Repair Companies in Detroit
Detroit has its own guide with local providers and city-specific information. See our full list of credit repair companies in Detroit if you want an option located in the Detroit area.
The companies below operate from Canton, Grand Rapids, Bloomfield Hills, Allen Park, and Ypsilanti.
Other Credit Repair Companies in Michigan
Michigan has local credit repair options across several parts of the state. Pricing and service models differ quite a bit, so compare what each company charges, when payment becomes due, and what work the fee covers.
Cents Savvy Tax Resolution and Credit Repair
Cents Savvy operates from Canton and provides credit repair and financial rebuilding services throughout the country. Licensed CPA Tiffany Vaughn leads the company.
Its credit repair program reviews all three credit reports and challenges negative information that may be inaccurate or otherwise open to a credit report dispute. Clients also receive monthly credit score updates, access to a client portal, credit education, and support from a credit specialist.
Cents Savvy currently lists its professional program at $147 per month. It also offers a $27-per-month do-it-yourself program. The professional plan advertises a 90-day money-back guarantee, so read the written conditions before you enroll.
Fair Credit Advantage
Fair Credit Advantage operates from Grand Rapids and offers credit repair, credit report analysis, creditor intervention, debt validation assistance, credit education, and post-repair coaching.
The company reviews credit reports for information that may be inaccurate, outdated, or otherwise open to dispute. Its plans can include monthly credit report disputes, goodwill letters, inquiry challenges, credit score tracking, and monthly credit reports from all three credit bureaus.
Fair Credit Advantage currently lists an individual monthly plan at $139 per month with a separate $139 setup fee. A couples plan costs $239 per month with a $239 setup fee. One-time service packages are also listed.
Michigan restricts advance payment for credit repair services, so ask exactly when any setup charge becomes due and what completed work that payment covers.
Goldman Credit Solutions
Goldman Credit Solutions operates from Bloomfield Hills and offers credit restoration, credit education, credit building, and credit report analysis.
Its current monthly package costs $89 and includes a review of all three credit reports, monthly updates, credit report disputes, credit education, access to an online client portal, and credit-building support.
Goldman states that its services are billed after the work is performed. There is no long-term contract, and clients can cancel at any time with notice before the next recurring payment.
The company also advertises a money-back guarantee if it doesn’t remove at least 25% of the negative items it works on after the required service period. Review the complete guarantee terms before you enroll.
ScoreCrest Solutions
ScoreCrest Solutions operates from Allen Park and was previously known as FICO Pharmacy Consulting. Its founder, Jay Daniel, has worked as a mortgage underwriter, banker, and loan officer.
The company starts with a credit report review and creates a personalized action plan. Its service includes credit report disputes, monthly progress reviews, credit monitoring, budgeting support, credit education, and guidance for consumers who want to qualify for a mortgage, auto loan, or other financing.
ScoreCrest currently publishes different pricing on different sections of its website. Its main pricing page lists a $199 consultant retainer and a $125 monthly fee for the individual plan, while another current enrollment page lists $149 to start and $99 per month.
Confirm the current price and payment schedule directly with the company before you enroll.
Real Time Credit Solutions
Real Time Credit Solutions serves the Grand Rapids area and currently advertises credit repair and other credit-related services through its website.
The company offers help with credit repair, identity theft protection, debt settlement, bankruptcy resources, and credit-building options. Its current website uses an online intake form to connect prospective clients with available services.
The site doesn’t publish detailed credit repair pricing, contract terms, or a full explanation of its credit report dispute process. Ask for those details in writing before you provide payment information or enroll.
Time Travel Credit Repair
Time Travel Credit Repair operates from Ypsilanti and offers credit repair, credit education, and credit-building guidance.
Its process starts with a credit consultation. The company reviews credit reports for information that may be inaccurate, outdated, or otherwise open to a credit report dispute. It also provides guidance on steps consumers can take to strengthen their credit profile after credit report problems are addressed.
Time Travel’s current website doesn’t publish a complete current pricing schedule, so ask for the total cost, payment timing, service period, and cancellation terms before you sign an agreement.
How to Choose a Credit Repair Company in Michigan
Start with the payment terms. Michigan law prohibits a credit services organization from collecting money before it completes the services it agreed to perform.
For ongoing credit repair programs, ask what work each recurring charge covers and whether that work is completed before the payment becomes due.
Next, ask for the written contract. Michigan requires covered credit services to be provided under a written agreement.
Check the expected timeframe too. Michigan generally requires the company to complete the agreed services within 90 days after the contract is signed.
There is an exception for qualifying ongoing credit repair services. The agreement can provide for periodic payments during a longer service period, but it must state that you can cancel at any time without penalty or further obligation.
Pay close attention to deletion claims. Michigan prohibits a company from claiming that it can remove adverse credit history unless it clearly explains that removal depends on the information being inaccurate, obsolete, or otherwise subject to a legitimate credit report dispute.
Michigan Credit Repair Laws and the 90-Day Service Rule
Michigan regulates credit repair under the Credit Services Protection Act, MCL 445.1821 through 445.1826.
The law applies to companies that accept payment to improve a person’s credit record, credit history, or credit rating or provide advice or assistance related to those services.
Michigan doesn’t create a separate statewide credit repair license or special registration program under this Act.
The law instead focuses on what credit services organizations can and can’t do.
A company generally can’t collect payment before it completes all services it agreed to perform. It also can’t make false or misleading statements about its services.
Michigan prohibits a company from helping a consumer remove adverse credit report information that is accurate and not obsolete. A company also can’t advise a consumer to create a new credit identity through a different name, address, Social Security number, or employer identification number.
A company can’t submit a credit report dispute without the consumer’s knowledge.
Most agreed services must be completed within 90 days after the consumer signs the contract.
Qualifying ongoing credit repair services can continue beyond 90 days when the consumer signs a written agreement with periodic payments and the agreement allows cancellation at any time without penalty or further obligation.
What Happens if a Michigan Credit Repair Company Breaks the Law?
Michigan gives consumers a private right of action under the Credit Services Protection Act.
A consumer can seek actual damages. The damages can’t be less than the amount the consumer paid the credit services organization.
A successful consumer can also recover reasonable attorney fees and court costs. A court can award punitive damages when appropriate.
A claim under the Act generally must be filed within four years after the credit services contract was signed.
Michigan also treats a violation as a misdemeanor. Each transaction that violates the Act can count as a separate offense.
A credit services organization that violates the Act is barred from recovering fees or other charges from the buyer.
Consumers can file complaints with the Michigan Department of Attorney General’s Consumer Protection Team.
How We Evaluated Credit Repair Companies in Michigan
We review national providers separately from Michigan businesses.
For local companies, we look at the current first-party website, Michigan business presence, current credit repair services, contact information, pricing when available, payment timing, contract terms, and the way the company describes its credit report dispute process.
Michigan’s advance-payment and 90-day rules make billing and service timing especially important. We look for enough information to explain what the consumer is buying rather than relying only on claims about future credit score improvement.
We also removed Professional Credit Help from the previous version of this page because its first-party website is no longer accessible. ScoreCrest Solutions replaces it with a current Michigan website and clearly described credit repair services.
Frequently Asked Questions
Michigan consumers may still have questions about debt deadlines and what happens during or after the credit report dispute process.
Michigan generally gives creditors six years to sue over a breach of contract. The exact starting date can depend on the account and the facts of the case. An expired limitations period doesn’t automatically remove the debt from a credit report.
Yes. A collection or other account can sometimes return if it was deleted during a credit report dispute and the company that supplied the information later provides proper verification. Federal law places requirements on the reinsertion of previously deleted information.
No. Paying a collection doesn’t automatically delete it from your credit report. The account can remain for the applicable credit reporting period, although its balance and payment status should be updated accurately.
Yes. Identity theft can create inaccurate accounts, inquiries, addresses, and other information on a credit report. A credit repair company can help with disputes, but you can also use the federal IdentityTheft.gov process and contact each credit bureau yourself.
No. Checking your own credit reports doesn’t lower your credit score. Your own credit check is treated differently from a hard inquiry made when you apply for credit.
It can. Some mortgage underwriting systems and lenders treat actively disputed accounts differently. If you plan to apply for a mortgage soon, ask your lender or loan officer how open credit report disputes could affect the application before you start new disputes.