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Best Credit Repair Companies in Chesapeake, VA

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Chesapeake Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Chesapeake, VA Rating

Review Sources

4.8 (8772)
2.5 (26)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Money Back Guarantee
  • Credit building
  • Credit Repair
  • Credit Restoration
  • Credit Audit
Lexington Law logo


Chesapeake, VA
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

3105 American Legion Road, Chesapeake, VA 23321 Rating

Review Sources

5.0 (28)

Why choose this provider?

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.

  • Credit Dispute

223 City Hall Avenue, Norfolk, VA 23510 Rating

Review Sources

4.8 (23)

Why choose this provider?

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.

  • Credit Monitoring

154 N. Newtown Road Ste B-5, Virginia Beach, VA 23462 Rating

Review Sources

5.0 (18)
5.0 (2)

Why choose this provider?

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.

  • Credit Monitoring

2500 Atlantic Avenue, Virginia Beach, VA 23451 Rating

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

4169 Virginia Beach Boulevard, Virginia Beach, VA 23452
Website Rating

Review Sources

5.0 (1)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

3574 Holland Road, Virginia Beach, VA 23452 Rating

Review Sources

5.0 (111)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Chesapeake, VAFree Credit Evaluation
Lexington Law
Chesapeake, VAFree Credit Report Consultation
Expedient Financial Solutions
3105 American Legion Road, Chesapeake, VA 23321
Virginia Credit Repair
223 City Hall Avenue, Norfolk, VA 23510
Hampton Roads Credit Repair LLC
154 N. Newtown Road Ste B-5, Virginia Beach, VA 23462
Paramount Credit Repair
2500 Atlantic Avenue, Virginia Beach, VA 23451
PFS Credit Repair
4169 Virginia Beach Boulevard, Virginia Beach, VA 23452
Next Step Credit Repair
3574 Holland Road, Virginia Beach, VA 23452


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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