Those with poor credit who are struggling to qualify for auto loans or home mortgages might be able to raise their score with credit repair. You can hire a credit repair company to dispute negative entries on your credit report and have incorrect, unverifiable or outdated reporting removed. Our partners at ConsumerAffairs researched the best credit repair in Lansing to help you find a company to boost your score.
Lansing residents have an average credit score of 672, which is just slightly lower than the Michigan average of 677. If you’re unsure of what your score is, there are multiple ways to obtain it. Once you know your score, it’s essential to understand how your score influences your search for credit.
579 or lower
Very difficult to obtain credit
580 - 669
Credit will be difficult to obtain and will likely be accompanied by high interest rates
670 - 739
Credit is obtainable with average interest rates
740 - 799
Credit is obtainable with better-than-average interest rates
800 - 850
Credit is obtainable with the best interest rates
Having a low credit score in Lansing will make it difficult for you to qualify for an auto loan or home mortgage. Bad credit can cause other problems, including:
Inability to qualify to rent a house or apartment
High interest rates on loans and credit cards
Need to pay a security deposit for utilities and services
Requirement for a cosigner on loans
If you or someone you know has any of these issues, a credit repair company in Lansing may help you address your bad credit and raise your credit score.
How credit repair companies work
Generally, a credit repair company will begin by obtaining and reviewing a copy of your credit report before identifying and disputing incorrect items. Although you can obtain copies of your credit report and dispute items on it yourself, it can be a time-consuming and complicated process.
Cost of credit repair in Lansing
Prices for credit repair services vary, but typically fall between $60 and $150 a month. Some companies in Lansing offer a free initial consultation, but others charge an initial fee to pay for the cost of obtaining your credit report. If you choose to work with a credit repair company, you’ll usually pay a monthly fee. Beware of any company that demands a large payment before performing any services, which is prohibited by federal law.
Companies in Lansing may also offer additional services, including identity theft protection and continuing education to help you maintain your credit score after going through credit repair. Talk to each company about the services it offers before choosing the one that fits your needs best.
Credit Saint offers a 90-day, money-back guarantee along with competitive rates for couples and individuals. The company has more than 10 years of experience and receives high ratings from Lansing residents, who say they appreciated the service provided by the team of specialist assigned to them.
Lexington Law is considered one of the most trusted names in the credit repair industry. The company provides you with a personal case manager and employs attorneys and paralegals to assist with your disputes. While most reviewers in Lansing are more than happy with their services, some do wish the company offered more competitive pricing or discounts.
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. Representatives are trained in various laws governing credit repair and have found results with over 310,000 unique credit reports. Customers appreciate the friendly and informative customer service.
Sky Blue Credit Repair was established in 1989 and maintains an A+ reputation with the BBB. The company offers premium services and excellent customer service. Many Lansing residents say Sky Blue Credit repair helped them change their lives by rebuilding their credit.
The Credit Pros offers a free initial consultation and competitive rates. The company prides itself on a reputation of honesty and transparency, and it provides an online dashboard so customers can keep up-to-date on their progress. Lansing area residents say they appreciate the company’s customer service and attention.
Garranteed Solutions provides credit repair services as part of their three-step process of raising your credit score. The company also offers free consultations and prides itself on helping people qualify for home mortgages. The company receives mostly high reviews from Lansing customers.