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Best Credit Repair Companies in Virginia Beach, VA

Our Recommended Top 9

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 Virginia Beach 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.



9Top Picks

Learn about our selection process.


featured provider = Featured Provider

Virginia Beach, VA Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint is a credit repair company that supports individuals in Virginia Beach and nearby areas. It helps clients dispute inaccurate items on their credit reports. The company creates a credit monitoring account for clients where they can study and analyze their credit history and identify what has been damaging their score. Credit Saint will also introduce clients to techniques on how to improve their credit and optimize their report. The company has been featured on Money, Consumer Affairs, Credit Takeoff, and Fortunly.

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


Virginia Beach, 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

3105 American Legion Road Suite E, Chesapeake, VA 23321 Rating

Review Sources

4.9 (19)

Why choose this provider?

Expedient Financial Solutions helps individuals in Virginia Beach manage their credit and financial status. The firm's credit specialists offer one-on-one client consultations and handle various types of credit profiles. They pull credit reports, conduct credit report analysis, and inform clients of the steps to improve their credit scores. These steps include eliminating derogatory marks, credit inquiries, and inaccurate personal information from credit reports. Moreover, they educate clients on ways to remain debt-free. Expedient Financial Solutions provides individual and couple service plans.

200 East 22nd Street, Norfolk, VA 23517 Rating

Review Sources

4.9 (7)
5.0 (3)

Why choose this provider?

Virginia Credit Repair helps residents around the Virginia Beach area that seek to address their credit report issues. The Norfolk-based credit repair business guides clients through the process of eliminating negative line items and raising credit scores. In particular, Virginia Credit Repair seeks to resolve matters involving late payments, foreclosures, charge-offs, and judgments. The credit repair business is owned by Aaron Sean Hernandez, who has more than five years of experience providing financial management and credit score assistance to communities and individuals.

154 S Newtown Rd Ste B-5, Virginia Beach, VA 23462 Rating

Review Sources

5.0 (22)
5.0 (18)
5.0 (2)

Why choose this provider?

Hampton Roads Credit Repair LLC offers credit repair services in Virginia Beach, beginning with a free credit consultation and in-depth analysis of client's credit reports from all three bureaus. It then focuses on any erroneous, invalid, or mistaken items on the reports and deals with them by sending custom dispute letters. Finally, it provides advice and resources about how to build and maintain a good credit score and how to save alongside building the score. Hampton Roads Credit Repair LLC offers an online portal with updates on clients' cases as well as personalized information and has a referral scheme for businesses.

2500 Atlantic Avenue, Virginia Beach, VA 23451 Rating

Why choose this provider?

Paramount Credit Repair provides clients with a customized plan to repair their credit and move forward with a better understanding of how credit impacts their goals. The company's consultants begin working with individuals by reviewing all three of their credit reports. They send dispute letters on their clients' behalf to the reporting agencies and creditors with negative items. If there is no verifiable documentation, they are required to remove the items under the Fair Credit Reporting Act.

120 S Lynnhaven Rd, Virginia Beach, VA 23452 Rating

Review Sources

5.0 (8)

Why choose this provider?

Star Credit Repair is a credit repair company in Virginia Beach that works to help clients find credit repair options that suit their personal situations. It offers one-on-one consultations with a trained specialist to analyze credit reports from all three bureaus and then provides personalized suggestions, linking clients with companies and resources as necessary. Its main aim is to make credit repair easier by researching all the available credit repair solutions, companies, and attorneys and then summarizing their services and benefits for clients. Star Credit Repair can also provide advice and answers to credit repair questions and offers free consultations for new clients.

7400 Beaufont Springs Drive, Richmond, VA 23225 Rating

Why choose this provider?

Genesis Consulting Experts is a credit repair company that serves Virginia Beach and the surrounding areas. Its professionals look at their clients' credit reports and challenge inaccurate and unverifiable items to help improve their credit scores. Genesis Consulting Experts also educates clients on best practices so that they can maintain a good credit profile. Owner and CEO Phyllis Hughes helps clients save money by helping them improve their credit rating, giving them access to lower interest rates and better financial services.

  • Credit Dispute

3574 Holland Rd Ste 202, Virginia Beach, VA 23452 Rating

Review Sources

5.0 (50)

Why choose this provider?

Next Step Credit Repair is a credit repair agency in Virginia Beach that provides personalized credit repair programs and solutions to suit clients' needs and financial situations. Offering two monthly plans and a performance-based plan, it searches through credit reports from all three bureaus to find unverified or erroneous items before disputing them with creditors. Clients can benefit from a free consultation and credit analysis as well as tips and advice on building and maintaining good credit. Next Step Credit Repair provides resources and updates through an online portal and can help with other financial goals such as protecting the client identity theft and saving for a down payment.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Virginia Beach, VAFree Credit Evaluation
Lexington Law
Virginia Beach, VAFree Credit Report Consultation
Expedient Financial Solutions
3105 American Legion Road Suite E, Chesapeake, VA 23321
Virginia Credit Repair
200 East 22nd Street, Norfolk, VA 23517
Hampton Roads Credit Repair LLC
154 S Newtown Rd Ste B-5, Virginia Beach, VA 23462
Paramount Credit Repair
2500 Atlantic Avenue, Virginia Beach, VA 23451
Star Credit Repair
120 S Lynnhaven Rd, Virginia Beach, VA 23452
Genesis Consulting Experts
7400 Beaufont Springs Drive, Richmond, VA 23225
Next Step Credit Repair
3574 Holland Rd Ste 202, 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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