Best Credit Repair Companies in Newport News

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Expedient Financial Solutions logo
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Expedient Financial Solutions

3105 American Legion Road, Chesapeake, VA 23321
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  • Credit Monitoring
  • Credit Dispute

Business Description

Expedient Financial Solutions is a credit counseling service based in Chesapeake that works with clients in the local area and nearby cities, including Newport News. Its employees collaborate with clients to conduct an analysis of their credit score and the factors affecting it. Throughout the analysis, they work to find inaccuracies in a client's credit report, provide credit education, and create custom disputes according to the client's situation. Expedient Financial Solutions maintains an encrypted and secure database where it keeps the clients' information.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Path to 700 Credit Consultant LLC logo
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Path to 700 Credit Consultant LLC

4410 Claiborne Square East, Hampton, VA 23669
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  • Credit Audit
  • Credit Dispute

Business Description

Path to 700 Credit Consultant, LLC, is a full-service credit repair and restoration company serving Newport News. It works closely with clients to improve their credit ratings and educate them to maintain their good credit scores. The agency's process includes studying the factors affecting its clients' credit, as well as any debts they may have. It would then give them advice on various strategies to improve their situation. The company was founded by Timothy Taylor, who has experience in credit counseling.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (63)
Google
5.0 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

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