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Best Credit Repair Companies in Hampton, VA

Our Recommended Top 3

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 Hampton 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

3105 American Legion Road, Chesapeake, VA 23321 Rating

Review Sources

5.0 (16)

Why choose this provider?

Expedient Financial Solutions is a financial and credit management company serving the Hampton metro area and nearby localities. The firm assists individuals and families in establishing, maintaining, and restoring their credit scores in order to achieve their financial objectives. Its credit consultants provide credit education, report analysis, item disputes, and live customer support. The group also removes inaccurate personal information, inquiries, and derogatory marks from the client's financial reports. Other services include tax and bookkeeping support. The company is headquartered in Chesapeake.

  • Credit Dispute

150 West Washington Street, Suffolk, VA 23434 Rating

Review Sources

5.0 (10)
5.0 (3)

Why choose this provider?

Ultimate Care Credit Repair LLC offers its services to the residents of Hampton and the neighboring cities. It focuses on credit restoration, helping clients dispute any inaccurate information found in their credit report and legally remove it from the record. The firm also offers credit building and rebuilding services, as well as bankruptcy document retrieval. Additionally, Ultimate Care Credit Repair offers financial education courses and seminars to help clients continuously improve their credit rating.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

2500 Atlantic Avenue, Virginia Beach, VA 23451 Rating

Review Sources

5.0 (1)

Why choose this provider?

Paramount Credit Repair is a credit restoration firm that renders its services to the Hampton metro area. The full-service company provides consultations, repair freedom, and personalized credit repair for its clients. Its team analyzes its customers' financial situation through their credit reports and aids them in improving their credit scores. In addition, the agency also assists its clients in securing jobs, living within their means, and becoming financially independent. Paramount Credit Repair also offers its services nationwide.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Expedient Financial Solutions
3105 American Legion Road, Chesapeake, VA 23321
Ultimate Care Credit Repair LLC
150 West Washington Street, Suffolk, VA 23434
Paramount Credit Repair
2500 Atlantic Avenue, Virginia Beach, VA 23451


  • 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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