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Best Credit Repair Companies in Chesapeake

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Expedient Financial Solutions logo

Expedient Financial Solutions

3105 American Legion Road, Chesapeake, VA 23321
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  • Credit Dispute

Expedient Financial Solutions is a company that offers its services to residents across the Chesapeake area. It provides credit repair plans for couples and individuals and helps them through credit education. It also guides clients with credit counseling, including credit analysis, by eliminating inaccurate and derogatory personal information. Furthermore, Expedient Financial Solutions deals with tax and bookkeeping solutions for individuals and businesses. Previous customers have praised its team for its professionalism and understanding of the credit repair process.

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Hampton Roads Credit Repair LLC logo

Hampton Roads Credit Repair LLC

154 N. Newtown Road Ste B-5, Virginia Beach, VA 23462
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  • Credit Monitoring

Hampton Roads Credit Repair LLC addresses the personal and business needs in Chesapeake. It employs credit repair specialists who are knowledgeable of consumer credit. These professionals offer credit analysis, consultation, and customized recommendations. They provide a credit restoration program that is designed to build positive credit. They also have a portal for clients to track real-time progress and updates. Additionally, the company disputes inaccurate information and removes derogatory items, such as charge-offs, late payments, and bankruptcies.

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HRCDC Credit Repair Services logo

HRCDC Credit Repair Services

999 Waterside Drive, Norfolk, VA 23510
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  • Credit Dispute

Located in Norfolk, HRCDC Credit Repair Services is a credit restoration firm that serves Chesapeake and nearby areas. It helps customers rebuild credit by providing credit analysis, consultations, and recommendations. Moreover, the clients will receive monthly updates about their progress. This agency works with the credit bureaus and creditors to challenge questionable report items, such as charge-offs and lost credit cards. HRCDC Credit Repair Services also offers education on how clients can increase their credit scores.

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Next Step Credit Repair logo

Next Step Credit Repair

3574 Holland Road, Virginia Beach, VA 23452
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Next Step Credit Repair offers services that help clients residing in the Chesapeake area raise their credit scores. Upon the customer's enrollment, the company provides professional consultations and credit analysis before letting them sign up for a monthly membership. Their team of credit consultants then contests negative items on the client's credit report, including collections account, repossessions, late payments, and charge-offs. Together with IdentityIQ, they can also track and monitor the development of the process while constantly showing consumer data reports to their clients.

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Paramount Credit Repair logo

Paramount Credit Repair

2500 Atlantic Avenue, Virginia Beach, VA 23451
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  • Credit Monitoring
  • Credit Audit

Paramount Credit Repair is a credit counseling service provider that serves clients in Chesapeake. It is dedicated to assisting clients in raising their credit scores to boost their confidence and financial freedom. The company eliminates negative items from clients' credit reports, including loan defaults, which helps them get a job and achieve their homeownership goals. In addition, its team is well-versed in the FICO scoring system and the Fair Credit Reporting Act, which governs credit bureaus.

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PFS Credit Repair logo

PFS Credit Repair

4169 Virginia Beach Boulevard, Virginia Beach, VA 23452
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

PFS Credit Repair is a company that assists clients in ensuring their credit report information is correct to attain the highest possible score. It updates the client of their credit score monthly. It mostly caters to clients located in Chesapeake and the surrounding areas. Some of its services offered include private assessment for clients and contacting bureaus and creditors regarding the client's negative credit score. The company's professionals are trained on the different laws, statutes, and practices related to credit reporting.

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Virginia Credit Repair logo

Virginia Credit Repair

223 City Hall Avenue, Norfolk, VA 23510
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  • Credit Monitoring

Virginia Credit Repair was founded by Aaron Sean Hernandez over five years ago and has been helping clients in Chesapeake, Norfolk, and the surrounding areas. The company provides credit consultation to individuals and professionals who need to increase their credit scores. It also handles credit check support and credit reports from the credit bureau. In addition, Virginia Credit Report helps eliminate negative items on credit lists, verify credit issues, and resolve items related to collections, late payments, foreclosures, judgments, and charge-offs.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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