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Best Credit Repair Companies in Norfolk, VA

Our Recommended Top 5

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 Norfolk 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

Norfolk, VA Rating

Review Sources

4.8 (10602)
2.3 (30)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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


Norfolk, 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.

  • Credit Repair
  • Consumer Credit Services

154 South Newtown Road, Virginia Beach, VA 23462 Rating

Review Sources

5.0 (23)
5.0 (13)

Why choose this provider?

Hampton Roads Credit Repair LLC is a full-service credit repair agency that aims to help clients near Norfolk improve their credit scores and financial status. The credit repair company is composed of a team of credit restoration professionals who provide comprehensive credit consultation and challenge unverifiable or inaccurate information in customers' credit histories. These professionals also educate clients on how to build and maintain their improved credit scores. Clients can access their accounts online for real-time updates regarding their credit reports and scores.​

  • Credit Audit
  • Credit Dispute

223 City Hall Avenue, Norfolk, VA 23510 Rating

Review Sources

4.8 (23)

Why choose this provider?

Virginia Credit Repair caters to clients in Norfolk and the surrounding areas. The company helps clients repair their credit scores through credit consultation. It assists in removing inaccurate or incorrect information in credit reports and submits disputes before credit bureaus. Owner Aaron Sean Hernandez believes that a person's credit impacts everything, including work, living arrangements, and what school their children can go to. Virginia Credit Repair aims to help clients achieve a higher quality of life by helping improve and maintain their credit scores.

  • Debt Consolidation

3574 Holland Road, Virginia Beach, VA 23452 Rating

Review Sources

5.0 (34)
5.0 (33)

Why choose this provider?

Next Step Credit Repair is a credit restoration company catering to Virginia residents in Norfolk and Virginia Beach. It maintains a team of Credit Consultants Association-certified specialists and offers a variety of credit restoration packages with options for monthly, one-time, and couples compliance-based plans and credit repair service plans. Its compliance-based plans are inclusive of client portal access, credit monitoring, comprehensive credit analysis, personalized dispute strategy, and credit building solutions. Ultimately, Next Step Credit Repair strives to help clients regain their financial power.

  • Credit Monitoring
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Norfolk, VAFree Credit Evaluation
Lexington Law
Norfolk, VAFree Credit Report Consultation
Hampton Roads Credit Repair LLC
154 South Newtown Road, Virginia Beach, VA 23462
Virginia Credit Repair
223 City Hall Avenue, Norfolk, VA 23510
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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