top of page

American Credit Restoration

Helping Consumers Correct Errors and Improve their Credit, Since 2005.

American Credit Restoration has set the industry standard as a reputable organization that is built on a foundation of integrity, character and an exceptional commitment to obtaining the best results possible for each client.


Our credit experts are here to guide you through the process while making it as convenient and affordable as possible. Our commitment is to help you achieve your financial goals in a realistic time-frame.


Expertise. Credibility. Results.

Business Meeting

What We Offer

Most companies only have a one-step system that sends one round of letters to the credit bureaus. The problem with this method is that there is only about a small chance anything will be removed.

We have a multi-stage process in place that is tailored to your specific case. You will almost never find two credit reports alike. If this is so, how can you run a general “fix-all” system? The answer is you can’t. Each creditor responds differently to different clients.

We pride ourselves on being completely honest and straightforward and will only take on cases where we can genuinely help our clients. We have been successful assisting in the removal of erroneous, obsolete items from the credit report. We cannot guarantee the removal of accurate, verifiable items and no company should promise this.

Business Meeting

Build Business Credit

Do you have a business idea that you’d love to bring to life? We provide clients with a wide range of consulting services from business formation to advising on how to build business credit.

Let us help you to file your LLC or corporation, then establish an EIN, Dun and Bradstreet business credit profile and establish business credit history for a fraction of what an attorney would typically charge.

Office Consultation

Expert Guidance

Improving Your Score:
It’s important to note that raising your score is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to manage credit responsibly over time. See how much money you can save by just following these tips and raising your score.

Payment History Tips

  • Pay your bills on time.
    Delinquent payments and collections can have a major negative impact on your score.


  • If you have missed payments, get current and stay current.
    The longer you pay your bills on time, the better your score.


  • Be aware that paying off a collection account will not remove it from your credit report.
    It will stay on your report for seven years.


  • If you are having trouble making ends meet, contact your creditors
    This won't improve your score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.


Amounts Owed Tips

  • Keep balances low on credit cards and other “revolving credit”.
    High outstanding debt can affect a score.


  • Pay off debt rather than moving it around.

  • The most effective way to improve your score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.

  • Don't close unused credit cards as a short-term strategy to raise your score.

  • Don't open a number of new credit cards that you don't need just to increase your available credit.
    This approach could backfire and actually lower score.


Length of Credit History Tips

  • If you have been managing credit for a short time, don't open a lot of new accounts too rapidly.
    New accounts will lower your average account age, which will have a larger effect on your score if you don't have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

New Credit Tips

  • Do your rate shopping for a given loan within a focused period of time.
    Scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.


  • Re-establish your credit history if you have had problems.
    Opening new accounts responsibly and paying them off on time will raise your score in the long term.


  • Note that it's OK to request and check your own credit report.
    This won't affect your score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.

Types of Credit Use Tips

  • Apply for and open new credit accounts only as needed.
    Don't open accounts just to have a better credit mix - it probably won't raise your score.


  • Have credit cards - but manage them responsibly.
    In general, having credit cards and installment loans (and paying timely payments) will raise your score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.


  • Note that closing an account doesn't make it go away.
    A closed account will still show up on your credit report, and may be considered by the score.

Interested in getting advice from an experienced and professional credit consultant? Call us today and see what we can do for you.



Antisha Jackson

I'm a Realtor, I refer all of my clients that has bumps in their credit to Ryan and his staff. Before being a Realtor, Ryan helped me out tremendously, and I wasn't in good credit shape at all that was over 7 years ago and I still send my clients and family all had positive results!!

woman 7

Shantelle Timberson

My husband and I came to American Credit Restoration after going through three other credit repair places with absolutely NO change to our credit. Ryan and the restoration family our truly a blessing. He took us step by step through our process. When we started our score was in the low 500's and now it's in the high 700's!!! There are ton's of repair places that sell you lies, but not this company. It's the real deal!! American Credit Restoration allowed us to take our business(and our lives) to the next level!!! We highly recommend this Company to everyone that honestly want there credit restored!! They saved us!

man 9

Rich Lawrence

I want to start off by saying, I am in no means affiliated with this company, nor do I have any personal associations with any employees. I am just a regular guy who went on Google one day looking for a competent, trusted credit specialist, that could help my situation. I found American Credit Restoration, and to try not to use any cli-che's, I was skeptical at first. I walked into Ryan's office with a t.u. score of 487. Now here I am three month's later with a score of 657. They did a great job, and I am more than satisfied with my results. Not only would I recommend this company for anybody, but I already sent my sister there. The sole reason I am writing this review, and I never do this sort of thing, is for the person new to this world of credit and debt. Who may be in a tough situation, and not having the slightest idea who to go with when you google credit specialist, and 1 million results come up.Take it from someone who's been there, and consider these words as good as gold. You will not be disappointed!

About Us

Advice you can trust.

Founded by Ryan Barouch in 2005, we've been helping clients from the Detroit area and beyond, to correct erroneous, derogatory information from their credit report. Since every credit report is different, our focus is always on building an efficient and results-driven strategy tailored specifically to you. We work with you to create a customized, logical, plan of action that will achieve your goals in a timely manner. Get in touch to learn more about how we can help you.

Anchor 2

Contact us today for a free consultation!

What sets us apart from the competition is that we only accept clients we can genuinely help. We will review your credit report free of charge and give you advice on how to improve your situation. We also offer a flexible payment plan, along with a money-back guarantee to give you peace of mind. No payment is due upfront.

21411 Civic Center Dr #305, Southfield, MI 48076

Call us today 1-866-4-DELETE or (248) 799-9441

Your details were sent successfully!

Anchor 1
bottom of page