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Fix My Credit

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 scoreAPRMonthly paymentTotal interest cost
720-8504.448%$594$1,401
690-7195.644%$605$1,788
660-6896.865%$616$2,187
620-6599.919%$645$3,205
590-61914.536%$689$4,796
500-58915.707%$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.

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 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.

Kinlock's Credit

$399 Upfront/$60 Monthly billed after first 30 days Customer receives Credit Repair Services along with Monthly Consultations, Identity Theft Monitoring, Debt Payoff, Net Worth and Student Loan Consolidation

For a Limited Time We are Offering HALF OFF the Upfront Cost. SIGN UP Below 

ABR
EHO
EPRO
Realtor
SFR
SRS
ABR
EHO
EPRO
Realtor
SFR
SRS

Office

Front Page Properties
3011 W Grand Blvd STE 301Detroit
MI 48202
(313) 877-9020
dibbs@theresidentgroup.com

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