FICO

⭐ Michigan's #1 Credit Repair Service

Your Path to Homeownership
Starts Here

Michigan's premier credit repair service guiding you to FICO 640 and homeownership. Gamified, expert-led, and fully compliant for 2025.

Average Journey Progress

Starting ScoreCurrent: 640+

Start Your Journey Why Credit Repair in 2025?

Credit Report

Michigan Resident

640

EXCELLENT

Payment History

Credit Utilization

Credit Age

Critical for 2025

Why Credit Repair Matters in Michigan for 2025

In 2025, the average FICO score in the U.S. is 715, and consumer debt has reached $17.5 trillion. For Michigan residents, qualifying for an FHA loan means meeting the FICO 640 rule—your ticket to affordable homeownership.

Raise your credit score for FHA loan approval

Navigate the FICO 640 rule with expert guidance

Gamified, step-by-step Home-Ready Journey

No up-front fees, fully compliant with Michigan law

2025 Michigan Housing Market

715

Avg FICO Score

+2 pts

$17.5T

Consumer Debt

+3.2%

580

FHA Min Score

Unchanged

$185K

MI Home Price

+4.1%

FICO Score Ranges

640

300850

Learn About Michigan Programs

Proven Results for Michigan Families

Join thousands of satisfied customers who've achieved their credit goals

640+

Average FICO Score Achieved

Our clients consistently reach mortgage-ready scores

92%

Success Rate

9 out of 10 clients see significant improvements

Days to Results

Average time to see meaningful score increases

10K+

Michigan Families Helped

Proud to serve communities across Michigan

The Home-Ready Journey: Your 6-Step Path to Success

Our gamified approach makes credit repair engaging and achievable. Each step builds upon the last, creating lasting credit improvements that get you to homeownership faster.

📊

Step 1

Pull Your Credit Reports

Get your free annual credit reports from all three bureaus. Understanding your starting point is crucial for effective credit repair.

Progress: 17% Complete

🔍

Step 2

Spot & Dispute Errors

Identify and challenge inaccurate information. Up to 20% of credit reports contain errors that can be disputed and removed.

Progress: 33% Complete

💳

Step 3

Crush Card Utilization ≤ 30%

Optimize your credit card utilization ratios. This single factor accounts for 30% of your FICO score calculation.

Progress: 50% Complete

⚡

Step 4

Tackle Past-Due Accounts

Address overdue accounts and collections strategically. Payment history is the most important factor in your credit score.

Progress: 67% Complete

⭐

Step 5

Build Fresh Positive History

Establish new positive credit accounts responsibly. New positive information helps offset past negative items.

Progress: 83% Complete

🏠

Step 6

Hit 640 & Pre-Approve

Achieve FICO 640 and get pre-approved for mortgage. This opens doors to homeownership with competitive rates.

Progress: 100% Complete

Ready to Start Your Home-Ready Journey?

Join thousands of Michigan families who've achieved their homeownership dreams through our proven 6-step process.

10,000+

Clients Helped

127 pts

Avg Score Increase

92%