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Best Credit Repair Companies in Richmond, VA

Our Recommended Top 6

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 Richmond 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Richmond, VA Rating

Review Sources

4.8 (5320)
2.5 (23)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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


Richmond, 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

5725 Oakleys Place, Richmond, VA 23223 Rating

Review Sources

5.0 (48)
5.0 (16)

Why choose this provider?

Holliday Credit Repair is a credit counseling service provider that serves clients in Richmond. It specializes in resolving late payments, charge-offs, medical bills, foreclosures, students loans, and tax liens. In addition, the company uses the law and works with creditors and credit bureaus to challenge unfavorable report items that have an impact on customers' credit ratings. Holliday Credit Repair also administers a structured debt repayment program without requiring a loan. It has served more than 300 clients.

  • Credit Dispute

Richmond, VA Rating

Review Sources

5.0 (4)

Why choose this provider?

Star Credit Repair has been helping individuals in Richmond recover from bad credit for over 15 years. It assists its clients in analyzing their credit reports and gives personalized solutions to help them improve their credit scores. Its team of specialists conducts one-on-one consultations with clients to understand their unique situations, providing them with credit repair options. It also helps its clients choose the most suitable credit companies that align with their financial needs.

  • Credit Audit

31 North Providence Road, North Chesterfield, VA 23235 Rating

Review Sources

4.0 (12)

Why choose this provider?

Credit Restoration Institute is a licensed credit repair expert and consultant company that serves clients in and around the Richmond area. In addition to performing credit report audit to pinpoint negative entries and creating credit disputes against bureaus and creditors to correct unverifiable items, the company also educates clients on rebuilding credit profile and provides consulting services. Credit Restoration Institute works under the guidance of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

  • Credit Audit
  • Credit Dispute

7400 Beaufont Springs Drive, Richmond, VA 23225 Rating

Review Sources

5.0 (29)

Why choose this provider?

Genesis Consulting Experts is a credit repair company helping clients in Richmond fix their credit scores. Owner Phyllis Hughes established the company in 2019 after raising the credit scores of her family members and friends. The company helps remove negative items from clients' credit reports. It offers money back guarantee if no deletions in 4 months and also keeps clients updated through a client portal, where they can access reports, accounts and balances, reasons for disputes, and communications sent. Additionally, Phyllis has written an e-book on her experience entitled 'Get Out of Debt 101.'

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Richmond, VAFree Credit Evaluation
Lexington Law
Richmond, VAFree Credit Report Consultation
Holliday Credit Repair
5725 Oakleys Place, Richmond, VA 23223
Star Credit Repair
Richmond, VA
Credit Restoration Institute
31 North Providence Road, North Chesterfield, VA 23235
Genesis Consulting Experts
7400 Beaufont Springs Drive, Richmond, VA 23225


  • 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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