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Best Credit Repair Companies in Portsmouth

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Clear Credit Solutions logo

Clear Credit Solutions

100 Seventh St Suite 104, Portsmouth, VA 23704
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  • Credit Monitoring

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.

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Gibbs Financial Solutions logo

Gibbs Financial Solutions

1545 Crossways Blvd. Suite 250, Chesapeake, VA 23320
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  • Credit Monitoring

Gibbs Financial Solutions provides credit repair services to residents of Portsmouth and the surrounding areas. The company assists clients in removing inaccurate and erroneous information from their credit profiles and contacts clients' creditors and credit bureaus directly. It has handled civil liens, student loans, medical bills, out-of-date information, and tax liens. Gibbs Financial Solutions also provides clients with access to an online portal where they can monitor the status of their credit reports. Credit analysis services are also available.

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LSW Credit Repair Service logo

LSW Credit Repair Service

11815 Fountain Way Suite 300, Newport News, VA 23606
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  • Credit Audit

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.

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Owlite Notary Services logo

Owlite Notary Services

Portsmouth, VA 23707
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  • Credit Audit
  • Credit Dispute

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.

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Ready Home Buyers logo

Ready Home Buyers

PO Box 1234, Chesapeake, VA 23327
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  • Debt Consolidation

Ready Home Buyers serves clients in Portsmouth and its surrounding areas. One of its services is credit repair, which focuses on educating clients on how to strengthen their credit standing. The firm caters to clients who are trying to purchase a real estate property. It offers alternative leasing options for clients, such as flexible renting programs. The team also helps clients remove negative information from their reports, such as information that is obsolete, inaccurate, or unverifiable.

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Resolve Credit Specialists logo

Resolve Credit Specialists

1112 Green Street, Unit 10331, Norfolk, VA 23513
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  • Credit Monitoring

Resolve Credit Specialists provides budgeting and credit restoration solutions to people throughout the Portsmouth metro and its surrounding communities. It helps clients improve their financial standings by legally removing late payments, collections, medical bills, student loans, repossessions, and credit errors from their records. The company's process includes consultation and credit analysis with an in-house credit specialist, challenging inaccurate, misleading, and unverifiable data with all three bureaus before drafting a custom dispute plan on each client's behalf.

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SOS Solutions logo

SOS Solutions

2010 Old Greenbrier Rd. Ste. E1, Chesapeake, VA 23320
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  • Debt Consolidation

SOS Solutions is a full-service credit repair firm that serves clients in Portsmouth and the surrounding communities. The company offers a variety of credit repair services that can help clients achieve financial freedom. Its credit repair specialists provide credit counseling, credit building tools, budget development, and student loan consolidation solutions. The team also removes unwarranted information from its client's credit reports, such as late payments, bankruptcies, foreclosures, and repossessions. The company caters to individuals, businesses, and entrepreneurs.

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The Financial Fit Club logo

The Financial Fit Club

2019 Cunningham Dr., Suite 308, Hampton, VA 23666
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  • Credit Monitoring

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.

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Ultimate Care Credit Repair LLC logo

Ultimate Care Credit Repair LLC

150 W.Washington Street Suite H, Suffolk, VA 23434
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  • Credit Dispute

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.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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