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Best Credit Repair Companies in Portsmouth, VA

Our Recommended Top 7

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 Portsmouth 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.



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featured provider = Featured Provider

Portsmouth, VA Rating

Review Sources

2.5 (25)
5.0 (3)

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.

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


Portsmouth, VA
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)

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

150 W.Washington Street Suite H, Suffolk, VA 23434 Rating

Review Sources

4.7 (14)
5.0 (10)

Why choose this provider?

Ultimate Care Credit Repair LLC helps Portsmouth individuals in improving their financial situation. The firm assists clients in rebuilding their credit scores through dispute solutions that remove inaccurate items and outdated and unverifiable information on reports. Its professionals analyze credit reports, implement solutions and strategies, and educate clients in every step of the process. Its founder Angela Reshun Dixon is a certified credit counselor and loan signing agent who also provides coaching services on personal finance.

  • Credit Dispute

Portsmouth, VA 23707 Rating

Review Sources

5.0 (6)

Why choose this provider?

Owlite Notary Services serves clients in Portsmouth and nearby areas. It offers credit repair services and removes incorrect information on the client's credit report. It also assists them in raising their credit scores and creates a strategy to help them tackle their credit problems. Debt management services are also available. The company has a team of notary and loan signing agents that handles loan modifications, reverse mortgages, refinanced loan packages, and home equity line of credit.

  • Credit Audit
  • Credit Dispute

2019 Cunningham Dr., Suite 308, Hampton, VA 23666 Rating

Review Sources

5.0 (61)
5.0 (14)

Why choose this provider?

The Financial Fit Club caters to customers in the Portsmouth metro and the surrounding communities. It offers credit repair solutions, which give the clients the ability to build long-term wealth, choose adequate housing, and get approved for a car. Its process involves giving clients access to their personal portal, challenging negative items on their credit reports by sending dispute letters to the credit bureaus, and providing continuous updates throughout the restoration. The company also deals with financial planning and tax preparation.

  • Credit Monitoring

11815 Fountain Way Suite 300, Newport News, VA 23606 Rating

Why choose this provider?

LSW Credit Repair Service is a veteran-owned small business that caters to clients in Portsmouth and the surrounding areas. It assists individuals, families, and businesses in improving their credit profiles. The firm's consultants carry out evaluations of credit reports listed with TransUnion, Equifax, and Experian. They identify and remove inaccurate records such as late payments, bankruptcies, foreclosures, collections, student loans, and inquiries. In addition, they conduct mentorship sessions designed to help homebuyers with managing their finances to maintain healthy credit scores.

  • Credit Audit

100 Seventh St Suite 104, Portsmouth, VA 23704 Rating

Review Sources

5.0 (9)

Why choose this provider?

Clear Credit Solutions has been serving clients in and around Portsmouth for over 20 years. It offers a wide range of services, from financial counseling and student loans to credit restoration and building. It offers improvement plans to help clients achieve a FICO score of 670 or higher, allowing them to access the ideal loan and credit card options. Its team has a financial background in fields such as mortgage lending, real estate, and banking.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Portsmouth, VAFree Credit Evaluation
Lexington Law
Portsmouth, VAFree Credit Report Consultation
Ultimate Care Credit Repair LLC
150 W.Washington Street Suite H, Suffolk, VA 23434
Owlite Notary Services
Portsmouth, VA 23707
The Financial Fit Club
2019 Cunningham Dr., Suite 308, Hampton, VA 23666
LSW Credit Repair Service
11815 Fountain Way Suite 300, Newport News, VA 23606
Clear Credit Solutions
100 Seventh St Suite 104, Portsmouth, VA 23704


  • 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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