Mikku and Sons Roofing logo, featuring a roof illustration on a transparent background 623-465-1068

I Need Roofing Work Done, But I Have Bad Credit: What Are My Options?

Date: June 10, 2022

When the shingles on your roof reach the end of their 20- to 25-year lifetime, you will have to deal with roof repair or replacement at some point.

Choosing the appropriate roofing contractor is essential, and it’s critical to do thorough background checks on potential candidates to verify they’re worth the money.

The installation and maintenance of a roof need specific expertise. Attempting to fix a roof or hiring an untrained roofer might cost a homeowner a lot of money.

So if you need roofing work done, but you've bad credit then look no further! We’ve compiled a list of the finest roofing companies to work with, including tips on selecting the right one.

CMR Construction & Roofing

Complex commercial structures and residential projects are CMR’s specialty areas. When disaster strikes, they can mobilize within 24 to 48 hours thanks to their countrywide network of more than 500 personnel, a team of the best equipment, skills, and relationships.

They have a reputation for executing difficult jobs quickly and on time while maintaining the integrity of our roofing systems.

More than 35 manufacturer certifications, an A+ rating with the Better Business Bureau, and several national, historical, and industry awards for service, success, and workmanship are just some of the accolades CMR has received, including the Inc. 500 honor.

Your dedicated specialist will assist you at every stage of the process to ensure that you have a wonderful experience with CMR—from picking your roofing materials through clean-up and maintenance.

 This single point of contact will make the roofing process more efficient, keep you updated on the status of the job, and provide quick response services when you need them. Roofing contractors can assist.

The high standards of CMR’s work begin with the people there. Customers may expect long-lasting protection from their roofs since the company’s personnel is well-versed in examining and installing even the most complicated roofing systems.

 As a Ludowici Elite Crown Roofer, they are one of only a few roofers in the country with decades of expertise in the industry.

Each of the company’s 500 workers is committed to giving the best possible service to its residential, business, and public sector customers throughout the country.

They have created a reputation for excellence and a strong business culture that attracts enthusiastic people about their job as a top-10 industry leader.

Baker Roofing Company

Contractors working on a new shingled roof

Baker Roofing (formerly known as Baker Rawls Tin Shop) was open for business in Raleigh, North Carolina, in 1915. The message on the sign was, ‘We will do an excellent job.’

It’s always excellent labor regardless of whether it’s profitable or not. The sign may be seen hanging at their Raleigh offices today as a daily reminder of their core beliefs.

Founded in 1915, Baker Roofing is now one of the biggest and most reputable roofing companies in the United States. There are currently more than 20 Baker Roofing Company facilities in the Southeast, and they operate all over the United States.

A company operating for more than a century is no walk in the park. Values-based family ownership and an enduring desire to conduct Always Good Work are probably responsible for its accomplishment.


Founded in North Carolina, Lowe’s has become one of the world’s leading home improvement businesses. It was their goal to assist homeowners, renters, and professionals in improving their houses and companies, both then and now.

Built on the motto, ‘everything we do revolves around the individuals we serve- if you’re looking for help with your home renovation job, go no further than their partners. They’ve constructed their company to be there for you when you need them most, whether it’s an emergency repair or your dream redesign.

Lowe’s business model is based on putting the needs of our customers first. Each of them is working toward a common goal: to provide the most outstanding possible home improvement goods and services to our customers in every channel and community we serve.

Able Roof

Installing roofs in one day is possible for this company. Their inspections and estimates are always free, and stand by everything they sell.

We flourish at Able Roof because we treat everyone with respect, foster a family-like atmosphere at work, give back to the community, and plan to stay ahead of the curve in the roofing business.

Because of their dedication to the community and their trade skills, Able Roof is happy to assist prominent charitable organizations.

From modest beginnings with a single truck and an acute awareness of the needs of local homes, Able Roof has grown into a full-service roofing company.

A commitment to quality and a strong work ethic eventually led to the expansion of the business into siding, gutters, brickwork, windows, and insulation.

Crane Renovation Group’s parent firm, Crane Group, acquired Able Roof in 1997. Because they’ve been in the business for so long, they’re well-positioned to fulfill the demands of today’s renovators while also building on decades of expertise.

As a member of the Crane Renovation Group, they have access to the best products and warranties in the business.


A new shingle roof being laid

San Antonio, Texas-based BELDON is a multi-award-winning business. LeafGuard® gutters, Pella® replacement windows, ProVia replacement doors, James Hardie fiber cement siding, and commercial and residential roofing systems are just a few of the goods this family-owned and run company has had since its inception in 1946.

BELDON® Roofing Company has been in bloom for four generations and 75 years, making it one of the city’s most prominent enterprises with lengthy honors and achievements. The San Antonio Business Journal honored the firm with a Family-Owned Business Award in June of this year.

As a family-owned firm, BELDON® Roofing Company has always been committed to three essential values: integrity, innovation, and immersion.

Aspen Contracting Inc.

Aspen Contracting Inc. is among the top country roofing firms. The company’s headquarters are in Lee’s Summit, Kansas, with offices around the country.

 If you have a broken roof, siding, or gutter that needs fixing, you can rely on Aspen Contracting to get the job done.

Due to the Aspen tree’s extensive roots, it was given the name Aspen Contracting. Fire, flood, storm, and ice do not match these roots.

The Aspen tree’s roots have long been recognized as the world’s longest-living organism, with a lifespan of over 80,000 years. Aspen trees offer each other their leading roots when they need them. An organization like this one will never go out of business and always be there for those in need. Aspen Contracting is unflappable in the face of adversity.

Project Consultant

It’s all on you now - A Project Consultant will be assigned to you when you phone Aspen Contracting to set up your free inspection and proposal.

For the duration of your project, Project Consultants will help you along the way. Your allocated consultant will handle your project from start to finish, so you don’t have to worry about searching for the correct department for issues!

Production Team

Aspen’s staff works with all building agencies to ensure that all regulations, permits, and inspections are completed appropriately.

To manage any job, they undergo extensive training and certification. They work with the local governments to facilitate a seamless transition for a successful outcome.

Aerial Measurements

When it comes to measuring roofs, siding, and gutters, human error is almost inevitable. Aspen uses the most up-to-date technologies for every job to assure the highest level of precision, whether it be siding and gutters or a roof repair.

Quality Work

Aspen Contracting requires all personnel to be certified by manufacturers and attend training seminars before they can begin work.

All workers must attend weekly safety and education training sessions to maintain their high-quality standards. All Aspen projects are guaranteed to last a long time because of the use of high-quality components, some of which are exclusive.

Quality control checklists are completed before, during, and after each project.

No Money Down

The first step is a free quotation and inspection from the business. They pledge not to charge you until the job is finished and you are happy with it.

Environmentally Friendly

Aspen’s goal is to complete the work correctly from start to finish. For both the client and the environment, this is the best option.

 In other words, Aspen is committed to reducing, reusing, and recycling as much as possible. Aspen allows consumers to recycle outdated roofing materials such as shingles, nails and gutters, and aluminum and steel siding.

 These materials can be recycled, which reduces the amount of garbage that goes to landfills.

Collis Roofing

A builder on a roof

Lanier family members have owned and operated Collis Roofing since its inception in 2004. Roofing contractors in Florida provide more free roofs and repairs to widows, the elderly, families coping with crises, and charitable organizations like Habitat for Humanity than any other contractor in the state.

Nonprofit organizations such as Give Kids the World and The Russell Home get financial assistance from Collis Roofing each year through charitable donations and volunteer time.

As a licensed and insured contractor in Florida, Collis Roofing is limited to serving the state. Florida’s residential and commercial roofing contractors rely on them for their roofing needs.

Roofers in the United States, Canada, and the Bahamas rank 23rd in the nation compared to all roofing firms.

Collis Roofing only hires people who are legally allowed to work in the United States.

Using E-Verify, the US Department of Homeland Security has certified that every Collis Roofing employee has legally entitled to work in the United States.

Collis Roofing adheres to a zero-tolerance drug and alcohol policy, including random drug testing for new hires.

Safety is a priority at Collis Roofing.

The United Safety Council has recognized Collis Roofing with various accolades. Everyone working on a building site must have completed and passed a comprehensive safety training program.

Every year, each employee must complete and pass a new safety course. Daily, the organization does frequent toolbox lectures and on-the-job inspections and employs a Multi Certified Safety Director.

A GPS monitors speed and sends out alarms if the car is going too fast.

Roofs in Need

Roofs In Need” is a project that Interstate Roofing is happy to support and create. This is their yearly effort to select a worthy homeowner who cannot afford to repair the roof on their house due to life’s circumstances.

Interstate Roofing brings together its resources and manufacturers to give a new roof to a chosen homeowner.

As we’ve become used to having it, many of us don’t give it much thought. Do they often consider the roofs over our heads when they think about what they are grateful for? To ensure you and your family’s safety, Interstate Roofing will install the finest roof we can.

Understand that some families in the Colorado neighborhood do not have a roof over their heads. Interstate Roofing is sponsoring the Roofs in Need initiative to alleviate their stress and change their despair and hopelessness into sentiments of appreciation.

Just like Roofs In Need, which provides new roofs to low-income families in need, the firm is helping to build a better, more loving community by doing good deeds for the community.

The self-lifting feelings of giving and gratitude are far better than those of desperation and helplessness – that’s why every year, they reach out to extended Colorado families to nominate a family needing a new roof.

Total Home Roofing

Total Home Roofing has been listed in the Top 50 roofing contractors nationwide for the past five years.

The Total Home Roofing team comprises only the nation’s most reliable, experienced, and dependable staff. Along with being ranked in the Top 50, Total Home Roofing also has an A+ rating from BBB and has won many awards for customer service to top-of-the-line quality.
As a Platinum Preferred Contractor with Owens Corning, you can always count on their services.

It only uses the industry’s finest and most durable materials and offers a wide range of financing options to fit your needs.
Ready to get started? Total Home Roofing offers both Virtual and Online appointments.

The choice is easy as the Highest Reviewed Roofer in the Nation-Top Rated on Home Advisor & Angie’s List.

About Mikku & Sons
Mikku and Sons red repair track with its logo painted on its side- roofing company track wraps
Our roofing company was founded in 2001 by Michael Riutta, who is still part of the ownership and management team. Between Michael, his two sons and co-owners, Devin and Joshua, and our crew members, we have many years of experience to handle any type of roof repair or roof installation solutions you may need.