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Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
You can fix errors on your Michigan credit reports yourself for free by disputing them with Equifax, Experian and TransUnion, or hire a reputable credit repair company that serves Michigan to handle the disputes for you.
Michigan residents have an average FICO Score of 717, about 0.6% above the U.S. average of 713, according to Experian’s 2025 data (published March 2026). That ranks Michigan 29th of the 50 states, near the middle of the country and higher than 21 states.
Fraud deserves a closer look: in 2024, Michigan ranked 20th for identity theft reports per person and 23rd for reports of fraud and other consumer problems per person, according to the FTC.
This guide walks through both options, how to choose a company if DIY is more work than you have time for, and how to fix fraud on your report.
Key Takeaways
Michigan’s average FICO Score was 717 in 2025, about 0.6% above the U.S. average and 29th of the 50 states, according to Experian.
You can dispute errors yourself for free, or hire a reputable credit repair company that serves Michigan to do it for you.
Michigan ranked 20th for identity theft reports per person in 2024 (FTC). If you find fraud, report it at IdentityTheft.gov and ask each bureau to block it.
Before you hire a company, get a written contract and pay nothing until the work is done.
How Does Credit Repair Work in Michigan?
Credit repair in Michigan works as it does in every state: you dispute the items you believe are inaccurate, incomplete or unverifiable with Equifax, Experian and TransUnion. Information that is inaccurate, incomplete or can’t be verified must be corrected or deleted. Accurate, verified items stay for the period the law allows.
Yes. Disputing errors with the credit bureaus costs Michigan residents nothing but time. Here’s how:
Get all three reports. Free weekly reports from Equifax, Experian and TransUnion are at AnnualCreditReport.com, as of October 2026. Each may differ. See how to get all three credit reports for free.
List the items you believe are inaccurate. Look for accounts you don’t recognize, wrong balances, on-time payments marked late and duplicate debts. Most negative items can stay about seven years from the account’s first delinquency.
Gather your proof. Collect statements or letters that show what’s wrong.
Dispute with the bureau and the business that reported the item. Explain what’s wrong, attach copies of your proof and keep copies of everything you send.
Watch for the results. A credit bureau investigation can take up to 45 days, and you should get the results in writing.
Is It Worth Hiring a Credit Repair Company in Michigan?
It can be, if you don’t have time to do the work yourself. The FTC says, “Anything a credit repair company can do legally, you’ll be able to do for yourself for little or no cost.”
What a company gives you is time and follow-through: tracking letters and deadlines across all three bureaus takes steady work, especially when you’re cleaning up fraud.
If you want that help, Credit Saint is available in 45 states, including Michigan, and has been in business since 2007. Our team reviews your credit history, and we challenge the items you believe are inaccurate, incomplete or unverifiable with your creditors and all three credit bureaus on your behalf.
Every package includes score analysis and educational content, and Credit Saint offers a 90-day money-back guarantee. If nothing is removed from your credit history in the first 90 days, you’re entitled to a refund.
Keep in mind that a negative item can be deleted only if it’s inaccurate or obsolete and the creditor that reported it doesn’t claim it’s accurate. Credit service companies cannot promise a result or credit score increase. To see where your credit stands, start a free credit review.
What Is the Best Credit Repair Company in Michigan?
The best credit repair company in Michigan is the one that does the work you’d otherwise do yourself, honestly and on a clear contract. When you compare credit repair companies in Michigan, look for one that serves the state and:
Disputes only the items you believe are inaccurate, incomplete or unverifiable
Puts the services, total cost and expected time frame in a written contract before you pay
Charges nothing until the work is done
Never promises to remove accurate items or raise your score by a set number of points
Explains how to cancel, and any fees to stop, before you sign
How Do You Fix Fraud on Your Credit Report in Michigan?
You fix fraud on your credit report by reporting the identity theft, protecting your file with a fraud alert or credit freeze, and asking each credit bureau to block the accounts that aren’t yours. According to the FTC’s Consumer Sentinel Network Data Book 2024 (published March 2025):
Michigan ranked 20th in the nation for identity theft reports per person in 2024 (237 per 100,000 people, or 23,783 in all). Credit card fraud was the most common type, in 39% of Michigan identity theft reports.
Loan or lease fraud was in 17% of those reports, phone or utilities fraud in 12% and bank account fraud in 10%.
Michigan ranked 23rd for reports of fraud and other consumer problems per person, with 117,326 reports.
Michigan residents reported $204 million in fraud losses, with a median loss of $350.
The FTC’s Michigan figures don’t include reports made to the Michigan Attorney General.
If you find accounts or charges you don’t recognize, take these federal steps:
Report it to the FTC. File at IdentityTheft.gov to get an identity theft report and a recovery plan.
Protect your file. An initial fraud alert lasts at least one year, and the bureau you contact must notify the other two. With an identity theft report, an extended alert lasts seven years. A credit freeze is free by law, but you must place it with each bureau.
Ask each bureau to block the fraudulent items. Send your identity theft report, proof of identity and a letter naming the fraudulent information and saying it isn’t from a transaction you made. A bureau generally must block it within 4 business days of receiving your request.
Contact the companies where the fraud happened. Close affected accounts and ask the fraud department to remove charges you didn’t make.
The CFPB notes that once a creditor is notified, it can’t turn identity theft debts over to debt collectors. For the full walkthrough, see our guide to repairing credit after identity theft.
How Much Does Credit Repair Cost in Michigan?
Disputing on your own is free, and the price of credit repair services in Michigan varies by company. A reputable company won’t charge you until the work is done, and its contract lists the total cost and expected time frame. Before you sign, ask:
Is there a setup or first-work fee, and when is it charged?
What is the monthly fee, and what does each month include?
Credit repair works the same way in Detroit as in the rest of Michigan. You can dispute online or by mail, so you don’t need a local office.
If you’d rather hire help, Credit Saint is available in Michigan, including Detroit. Check your reports closely for fraud: in the FTC’s 2024 Consumer Sentinel Data Book, the Detroit-Warren-Dearborn metro area ranked 34th among U.S. metro areas for identity theft reports per person, with 15,687 reports.
Michigan Credit Repair FAQs
Yes, when a company follows Michigan’s credit repair law and federal law. In Michigan, a company can’t charge you until it finishes the agreed services, needs a written contract and can’t remove accurate, current information. If it breaks the law, it can’t collect its fees. File complaints with the Michigan Attorney General.
Yes. Disputing errors is free, and the CFPB’s housing counselor search finds HUD-approved counselors who advise on credit, often at little or no cost. Detroit’s Financial Empowerment Center offers free one-on-one financial counseling, including building or improving credit. The Cities for Financial Empowerment Fund lists Financial Empowerment Center projects in Lansing and Washtenaw County.
No, not when a company follows the law. But no one can legally remove accurate, current information. The FTC warns about companies that want payment before they help, tell you not to contact the credit bureaus, tell you to dispute accurate information or offer a new credit identity. See credit repair scam red flags.
You can dispute errors and block fraud for free. If that’s more work than you have time for, the best credit repair company in Michigan for you serves the state and disputes only what you believe is wrong. It puts the cost in a written contract and charges nothing until the work is done.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
