Quality Virginia Credit Repair in 2022

Your credit score is one of the first things that companies look at to decide whether to do business with you and what price to set for their product or service.

Having negative items on your credit report can make it difficult for you to purchase a car, home, or obtain a loan. It can also cause you to pay higher interest rates.

This article will focus on credit repair in Virginia, which credit repair services are the best, what they do, and how much they charge.

 

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1. Credit Saint

Credit Saint has received an A+ rating from the Better Business Bureau for more than 15 consecutive years, making it one of the best credit repair companies in Virginia. Full Review

  • 90-day money-back guarantee
  • Top industry accreditations
  • Flexible cancellation policy
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Credit Saint has received an A+ rating from the Better Business Bureau for more than 15 consecutive years, making it one of the best credit repair companies in Virginia. Full Review

Speed

5/5

Items Removed

4/5

Price

4/5

Customer Support

5/5

2. Credit Repair 911

Credit Repair 911 is located in Chesapeake, Virginia and offers to educate its clients and guide them through the process of repairing their credit reports. The company provides credit repair consultation and analysis in Virginia Beach and across the state. During the process, you’ll work with a personal advisor. Full Review

  • Money-back guarantee
  • Flexible cancelation policy
  • Online transparency
Visit Site

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Credit Repair 911 is located in Chesapeake, Virginia and offers to educate its clients and guide them through the process of repairing their credit reports. The company provides credit repair consultation and analysis in Virginia Beach and across the state. During the process, you’ll work with a personal advisor. Full Review

Speed

4/5

Items Removed

5/5

Price

5/5

Customer Support

4/5

3. Hampton Roads Credit Repair

Hampton Roads Credit Repair is a Virginia-based company that provides a wide variety of services when it comes to credit repair. It also offers credit education resources that help both clients and those who wonder how credit repair works. Full Review

  • 100% money-back guarantee
  • Online transparency
  • Personalized dispute options
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Hampton Roads Credit Repair is a Virginia-based company that provides a wide variety of services when it comes to credit repair. It also offers credit education resources that help both clients and those who wonder how credit repair works. Full Review

Speed

4/5

Items Removed

5/5

Price

4/5

Customer Support

4/5

4. Next Step Credit Repair

Next Step Credit Repair is a credit repair business in Virginia Beach that works with all three bureaus to get rid of unverified or erroneous items from their clients’ credit reports. The company offers a free consultation and credit analysis, as well as advice on how to build and keep a good credit score. It can also help clients save for a down payment or protect clients from identity theft. Full Review

  • Money-back guarantee
  • Flexible cancellation policy
  • Informative
Visit Site

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Next Step Credit Repair is a credit repair business in Virginia Beach that works with all three bureaus to get rid of unverified or erroneous items from their clients’ credit reports. The company offers a free consultation and credit analysis, as well as advice on how to build and keep a good credit score. It can also help clients save for a down payment or protect clients from identity theft. Full Review

Speed

4/5

Items Removed

5/5

Price

4/5

Customer Support

5/5

5. Paramount Credit Repair

Paramount Credit Repair is yet another credit repair business located in Virginia Beach. It offers clients a customized plan based on their needs and starts off by reviewing all of their clients’ credit reports. Full Review

  • Nationwide coverage
  • Free consultation
  • Personalized pricing
Visit Site

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Paramount Credit Repair is yet another credit repair business located in Virginia Beach. It offers clients a customized plan based on their needs and starts off by reviewing all of their clients’ credit reports. Full Review

Speed

5/5

Items Removed

5/5

Price

4/5

Customer Support

4/5

6. Progrexion

Progrexion is among the most popular credit repair companies in Virginia. It provides credit repair and marketing services through its consumer brands: CreditRepair.com and Lexington Law. Full Review

  • Variety of options
  • Great reputation
  • Every type of credit repair service
Visit Site

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Progrexion is among the most popular credit repair companies in Virginia. It provides credit repair and marketing services through its consumer brands: CreditRepair.com and Lexington Law. Full Review

Speed

5/5

Items Removed

4/5

Price

5/5

Customer Support

4/5

7. Virginia Credit Union

Virginia Credit Union offers free financial counseling services through its partnership with BALANCE Financial Fitness Program. BALANCE can also help interpret your credit reports, given that its counselors are credit repair experts, guide you through debt management options, and polish up your financial situation. Full Review

  • Follow-up materials
  • It’s free
  • Excellent reviews
Visit Site

Show More

Virginia Credit Union offers free financial counseling services through its partnership with BALANCE Financial Fitness Program. BALANCE can also help interpret your credit reports, given that its counselors are credit repair experts, guide you through debt management options, and polish up your financial situation. Full Review

Speed

5/5

Items Removed

5/5

Price

4/5

Customer Support

4/5

Our Methodology 

There are several important qualifications to consider when determining which credit repair providers are the best. This review is based on the companies’:

  • Availability: Whether their clients can easily reach them at any time.
  • Qualifications: What type of services they can provide.
  • Ratings and reviews: Whether they have positive feedback from their clients.
  • Experience & Results: How long they’ve been in business and whether they are successful in what they do.
  • Professionalism: How well they do their job.
  • Accreditations: Whether they’re approved by an appropriate authority.
  • Transparency: How open they are about their process.

Credit Repair Compared: Virginia

Credit Saint
Credit Saint
Credit Saint

Best for Clients With Major Credit Problems

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  • Exceptional online transparency
  • Flexible cancellation policy
  • 90-day money-back guarantee
  • Top industry accreditations
  • 24/7 availability
  • High initial fee
  • Limited monthly disputes with low-tier plans

Credit Saint has received an A+ rating from the Better Business Bureau for more than 15 consecutive years, making it one of the top-rated credit repair companies out there.

The feature that stands out the most is Credit Saint’s 90-day money-back guarantee. The company also prides itself on providing top-notch credit education to its clients, including resources that can help them learn how to deal with creditors and settle debts.

Credit Saint can remove the following negative items from your credit report as part of its Virginia credit services:

  • Late Payments
  • Liens
  • Collections
  • Foreclosures
  • Bankruptcies
  • Repossessions
  • Credit Inquiries
  • Judgments
  • Charge-offs

Pros:

  • 90-day money-back guarantee: If Credit Saint can’t help you in those 90 days, it won’t charge you. Note that refunds are available only for payments made for the first 90 days.
  • Top industry accreditations: Credit Saint has been accredited with an A+ by the BBB since 2007. That’s quite a feat in the credit repair industry.
  • Flexible cancellation policy: Customers can choose to walk away from the company at any time without paying additional fees.
  • 24/7 availability: Clients can reach out to their credit repair attorney in Virginia 24 hours a day through email or online. Also, your assigned credit repair expert will contact you once a month to make sure you’re up to date.
  • Exceptional online transparency: If you’re a Credit Saint client, you can check your progress through the company’s online dashboard any time.

Cons:

  • High initial fee: The initial work fee at Credit Saint is higher than that of most credit repair companies in the industry.
  • Limited monthly disputes with low-tier plans: The company decides how aggressive it would be in trying to improve your credit report based on how much you pay. The entry-level plan includes only five disputes per billing cycle.

Plans and pricing:

  • Credit Polish: This is Credit Saint’s most basic package and is best for cleaning up minor issues on your credit report. It disputes identity theft, late payments, charge-offs, inquiries, and collections.

The first work fee for this plan is $99, while the monthly fee stands at $79.99/month, billed at the end of each month.

  • Credit Remodel: The mid-tier package offers everything that the basic package has with a few extra perks. It adds bankruptcies and repossessions to the list of negative items the company can dispute. If you have any of these two (or both) issues on your credit card report, then this is the right plan for you.

This plan’s first work fee is $99 and the monthly fee is $99.99/month.

  • Clean Slate: The most aggressive plan at Credit Saint offers unlimited disputes every billing period. It challenges all issues that the company can fix and is best suited for clients with major credit problems.

The first work fee is $195 followed by a $119.99/month fee.

Credit Repair 911
Credit Repair 911
Credit Repair 911

Best for Online Transparency

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  • Document preparation
  • Flexible cancelation policy
  • Money-back guarantee
  • Online transparency
  • Limited customer service availability
  • No accreditations

Credit Repair 911 is located in Chesapeake, Virginia and offers to educate its clients and guide them through the process of repairing their credit reports. The company provides credit repair consultation and analysis in Virginia Beach and across the state. During the process, you’ll work with a personal advisor.

According to its website, Credit Repair 911 specializes in identifying issues related to different types of debt, payment history, and inquiries.

Pros:

  • Money-back guarantee: Credit Repair 911 will send you a refund if they fail to remove 25% of the negative items on your report over the course of six months.
  • Flexible cancelation policy: Clients can drop Credit Repair 911 at any time. Still, the company asks you to let them know 7 days in advance.
  • Online transparency: Clients have access to their case status 24/7.
  • Document preparation: The company gives clients personalized documents they can send to the credit bureaus to dispute negative items.

Cons:

  • Limited customer service availability: Credit Repair 911’s customer services are only available Monday through Friday, between 9 a.m. to 6 p.m.
  • No accreditations: The company is not accredited by the BBB.

Pricing: 

These are the first and only Virginia credit services on this list that can cost as low as $69. The company, however, does not offer specific plans on its website. You’ll have to reach out to the company for more details on pricing.

Hampton Roads Credit Repair
Hampton Roads Credit Repair
Hampton Roads Credit Repair

Best for Personalized Dispute Options

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  • Free resources
  • 100% money-back guarantee
  • Online transparency
  • Personalized dispute options
  • Lack of information
  • Limited customer service availability
  • Hefty initial fees

Hampton Roads Credit Repair is a Virginia-based company that provides a wide variety of services when it comes to credit repair. It also offers credit education resources that help both clients and those who wonder how credit repair works.

Potential clients can get a free credit consultation, a free credit analysis, and credit recommendations.

The company says it can remove the following negative items from your credit report:

  • Collections
  • Bankruptcies
  • Charge-offs
  • Foreclosures
  • Late Payments
  • Inquiries
  • Judgments
  • Student loans
  • Repossessions
  • Tax liens

Pros:

  • 100% money-back guarantee: If a customer cannot get rid of 25% of the negative items identified by Hampton Road Credit Repair in the first six months since hiring their credit repair services in Virginia, the company offers a full refund.
  • Online transparency: Clients are able to track their progress since their case status is continually updated.
  • Free resources: The company offers free information on its website about credit scores, credit repair, negative items, and more.
  • Personalized dispute options: Hampton Roads Credit Repair adapts to each client’s credit repair needs and tailors individual plans to fix their specific issues.

Cons:

  • Limited customer service availability: Hampton Roads Credit Repair’s customer service is only available Monday through Friday, from 10 a.m. to 6 p.m.
  • Lack of information: The company fails to include some crucial information on its website, including staff credentials, discounts, and how long it has been in the business.
  • Hefty initial fees: Hampton Roads Credit Repair charges more than $130 dollars in the first month.

Pricing and plans:

  • Personal Credit Restoration Plan: This plan comes in two options – one for individuals only and one for couples. Both the individual plan and the couples plan cost $129 a month (per person in the couples plan). The enrollment fee for the couples plan is $99, and $199 for the individual plan.

This plan offers identity theft protection, disputing inaccurate credit items, customer support, and a 120-day money-back guarantee, as well as consultations and credit analysis. Clients get access to email, phone, text support, and monitoring services.

  • Personal Credit Building & Education: This plan offers customized score simulation analysis and recommendations for positive credit building, in addition to some of the perks available in the previous plan such as consultations and credit analysis.

It charges a one-time fee of $199.00. It does not require a credit repair contract for the state of Virginia.

  • Performance-Based ​Personal Credit Repair Plan: As the name of the plan suggests, clients pay a fee if and when the company removes a negative item. That’s in addition to the $25 monthly fee and the $199 enrollment fee.

Removing personal information costs $10 per item while deleting public records costs $95 per item. The package includes consultations and credit analysis, as well as identity theft protection.

It’s good for people that have a good credit score but still want to keep track of the changes.

  • Personal Credit Restoration ​(One-Time Fee Plan): Clients pay $715​ once for six months of credit repair service. The package offers everything that the first one does.

Business Credit Repair & Building: This package is for businesses only and costs $325 a month with an enrollment fee of $499. It provides the same services that the Personal Credit Restoration Plan does but for business.

Next Step Credit Repair
Next Step Credit Repair
Next Step Credit Repair

Best for Informative

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  • Informative
  • Money-back guarantee
  • Flexible cancellation policy
  • Transparency
  • Limited monthly disputes with low-tier plans
  • No refund on one-time setup fee

Next Step Credit Repair is a credit repair business in Virginia Beach that works with all three bureaus to get rid of unverified or erroneous items from their clients’ credit reports. The company offers a free consultation and credit analysis, as well as advice on how to build and keep a good credit score. It can also help clients save for a down payment or protect clients from identity theft.

The company says it can remove the following negative items from your credit report:

  • Collection accounts
  • Repossessions
  • Charge-offs
  • Hard inquiries
  • Late payments
  • Student loans
  • Short sales
  • Bankruptcies
  • Tax liens
  • Judgments

Pros:

  • Money-back guarantee: Next Step Credit Repair has a full refund policy that is available after the sixth month of service. You will only get a refund if you follow the rules and if the removed items’ worth is lower than the fee you paid.

The company requires their clients not to work on their credit reports on their own, pay the fee every month, and send their results from Equifax, Experian, and TransUnion.

  • Flexible cancellation policy: Clients can cancel at any time without having to pay additional fees. The company does not ask clients to sign a long-term credit repair contract in the state of Virginia.
  • Informative: Next Step Credit Repair maintains a blog on their website about all things related to credits. It also offers a short PDF eBook about credit repair services.
  • Transparency: The company has an app where clients can follow updates on their program, make payments, and schedule appointments.

Cons:

  • No refund on one-time setup fee: Next Step Credit Repair charges a fee to set up your account. Even if you qualify for a refund, the company does not pay back this initial fee. Also, the money guarantee is not included in its cheapest plan.
  • Limited monthly disputes with low-tier plans: The most basic plan offers only five disputes a month.

Pricing: 

  • Credit Repair Service Plan: For $99/m and a $199.99 enrollment fee, Next Step Repair promises that its credit repair lawyers in Virginia will dispute items on your behalf. This plan includes a 6-month money-back guarantee, but still charges extra for credit monitoring. This plan is best for people whose credit reports don’t require a lot of work.
  • Compliance Based Credit Repair Service: It costs $149 a month, with an enrollment fee of $299.99. Additional fees are charged when the company removes a certain negative item. The amount depends on the item in question. For example, late payment costs $47 per item, per bureau, while public records cost $97 per item, per bureau.
  • Couples Plan: This one costs $249/m, after the $399.99 enrollment fee. It offers the same services as the Credit Repair Service Plan, but it’s for couples.
  • One Time Fee Plan: The company’s one-time fee plan of $899.99 promises six months of credit repair, money-back guarantee, as well as certified mailing to track custom letters to bureaus.
Paramount Credit Repair
Paramount Credit Repair
Paramount Credit Repair

Best for Nationwide Coverage

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  • Free consultation
  • Nationwide coverage
  • Informative
  • Personalized pricing
  • No transparency
  • No pricing information

Paramount Credit Repair is yet another credit repair business located in Virginia Beach. It offers clients a customized plan based on their needs and starts off by reviewing all of their clients’ credit reports.

Pro:

  • Nationwide coverage: The company provides credit repair across the US.
  • Free consultation: You can reach out to Paramount Credit Repair and get a free consultation to see if they’re up to the task.
  • Personalized pricing: Paramount Credit Repair charges each client differently, depending on the work their credit reports require.
  • Informative: The company has a section on its website where it informs potential customers about their rights when it comes to credit repair.

Cons: 

  • No transparency: The company provides very little information on its website, making it difficult for a potential client to determine how it operates or what type of services it provides.
  • No pricing information: Paramount Credit Repair does not have information about its monthly fee or charges for specific services.
Progrexion
Progrexion
Progrexion

Best for Every Type of Credit Repair

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  • Great reputation
  • Every type of credit repair
  • Experience
  • Variety of options
  • Not accredited
  • Additional fees

Progrexion is among the most popular credit repair companies in Virginia. It provides credit repair and marketing services through its consumer brands: CreditRepair.com and Lexington Law.

Pros:

  • Variety of options: Progrexion offers four different options for clients to choose from when it comes to credit and credit repair, this makes it easier to find something that matches your budget and deals with the specific issues on your credit report.
  • Great reputation: Lexington Law is one of the most popular companies in the industry and across the nation. It also offers credit repair attorney services in Virginia. CreditRepair.com, on the other hand, is known for a comprehensive approach to credit repair that focuses on investigating and verification, rather than just disputing every negative item on your report.
  • Experience: Progrexion’s consumer brands have been in the client repair business for years.
  • Every type of credit repair service: From educational materials to expert advice and lawyers, Progrexion’s consumer brands have everything one can think of.

Cons:

  • Not accredited: Progrexion’s brands are not BBB accredited.
  • Additional fees: Some of the brands charge extra for credit report pulls.

Pricing:

Lexington Law: 

  • Concord Standard: $89.85/month (for basic needs like bureau challenges, creditor interventions, and consultations with credit repair lawyers in Virginia)
  • Concord Premier: $109.95/month (best for those who need long-term credit repair)
  • PremierPlus: $129.95/month (has everything from personal finance tools to trackers, score analysis, and cease and desist letters)

CreditRepair.com:

  • Initial Fee: $14.99
  • Monthly Fee: $99.95
Virginia Credit Union
Virginia Credit Union
Virginia Credit Union

Best for Free Financial Counseling Services

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  • Excellent reviews
  • Follow-up materials
  • Informative
  • It’s free
  • Only available to Virginia Credit Union members
  • Only available during certain hours

Virginia Credit Union offers free financial counseling services through its partnership with BALANCE Financial Fitness Program. BALANCE can also help interpret your credit reports, given that its counselors are credit repair experts, guide you through debt management options, and polish up your financial situation.

You will also be given access to online tools and webinars.

Pros:

  • It’s free: The counseling at BALANCE won’t cost you a dime.
  • Follow-up materials: After the session is over, experts at BALANCE will provide you with additional educational material based on your needs.
  • Informative: Virginia Credit Union offers free resources about the basics of credit repair, such as laws, tips and tricks, and FAQs.
  • Excellent reviews: Virginia Credit Union reviews are overwhelmingly positive.

Cons:

  • Only available to Virginia Credit Union members: The services are free but they are available only to members of the union.
  • Only available during certain hours: You can speak to a counselor Monday through Thursday between 7:30 a.m. and 6 p.m., Friday between 7:30 a.m. and 5 p.m., and Saturday between 9 a.m. and 2 p.m. (Pacific Time).

What Are Credit Repair Services?

Credit repair services work to improve customers’ credit scores by filing formal complaints on their behalf.

Their main goal is to have incorrect or outdated information removed from your credit report. Once you become their customer, a credit repair company will conduct an in-depth review of your credit report to identify negative items.

Then, they employ several strategies to resolve the issues, including credit report disputes, pay-for-delete options, debt validation, and goodwill letters.

Let’s say you have a mistake on your credit report. Credit repair companies in Virginia (or elsewhere) can investigate such information and then dispute the item. Ideally, this would result in credit bureaus deleting the derogatory mark.

Debt validation is a process that involves asking for a credit to verify your debt. A credit repair company can contact a creditor and ask for written verification. If the creditor fails to verify the derogatory mark, they would have to stop reporting it. Goodwill letters, on the other hand, don’t oblige a creditor to remove a negative mark.

Finally, pay-for-delete is another negotiation strategy that credit repair services can use. The company agrees with a creditor to remove a certain item from your credit report in exchange for payment.

It’s worth noting that when it comes to credit repair, services have their own unique methods for repairing a credit report.

There is an important distinction between credit repair companies and credit counseling agencies, like the National Foundation for Credit Counseling. Credit repair companies are for-profit and always work for a fee. Credit counseling agencies are usually non-profit. Unlike the former, they take a more education-based approach where they audit your finances and help you come up with a strategy to improve poor credit.

Trying to fix it on your own is another option. It’s just time-consuming and can be extremely frustrating and difficult. If you don’t have the time or have no idea where to begin, credit repair companies are a good first step.

What You Should Look For When Choosing the Right Credit Repair Company in Virginia

All credit repair companies offer roughly the same services but certain features can make all the difference in how much money and time the services will cost you.

Here are the things to consider when looking for a credit repair company:

  • Services offered

Every customer has different needs. The credit repair company you hire should be able to resolve the issues on your credit report. Do you need a company to do a specific service or maybe you need someone experienced in Virginia credit repair laws?

  • Company verifications

Unfortunately, there are many scammers in the credit repair industry. A reputable credit repair company fully operates under federal and state laws and adheres to licensing and bonding requirements. These can vary from one state to another. Also, be on the lookout for suspicious promises and companies that require you to pay in advance or promise 100% efficiency.

  • Results expected (program length and number of items removed)

A credit repair company should know what they can and cannot do for a customer. It is expected to accurately represent how long it will take to get results and what services they will perform.

  • Fees

You want to ensure that you fully understand the pricing of the company you’re hiring. Most companies charge monthly for their services but can also have some additional one-time costs.

  • Customer support and service

Consider whether your credit repair company has customer support, whether their services are free, and their availability. They’re the ones in charge of your credit report after all.

  • Customer reviews and feedback

A good credit repair company has a good reputation and track record. You can check a company’s reviews online or ask the company itself for references to see current and past customers’ experiences with the company.

How Long Does Credit Repair Take in Virginia?

There is no quick fix to repair a credit report. The length of repair time usually depends on the seriousness of the issues as defined under Virginia credit repair laws. It can take from several months to several years.

In most instances, it takes 3 months to a year for a case to be resolved.

Accurate negative information remains for as long as the law allows.

The Fair Credit Reporting Act (FCRA) is a federal law that dictates how long negative information can remain on your credit report. Most items have to be removed after seven years, but some of them, like bankruptcies, can stay there for up to 10 years. The law and time limits are more nuanced when it comes to specifics.

Delinquencies, charge-offs, federal student loans, foreclosures, lawsuits, and judgments stay on credit reports for 7 years in Virginia. Bankruptcies can remain on a credit report from 7 to 10 years.

Chapter 11 and Chapter 7 bankruptcies stay for 10 years after the filing date, while Chapter 12 bankruptcies remain on your report for 7 years after the filing date.

How Much Is Credit Repair in Virginia?

In Virginia, the monthly fee for credit repair services ranges from $60 to $130 for basic services. The price can also depend on where the company is located. For example, repairing your credit in Virginia Beach typically costs around $100 a month. Some companies may require a small setup fee which is usually under $200.

Always ask a company if they charge any fees in addition to the main services and make sure to steer clear of companies that don’t make their pricing clear.

Why Might a Credit Repair Service Be a Better Solution in Virginia?

Virginia credit services exist to help you make sure that your credit report is as clear as possible. While it’s something that most can do on their own, credit repairing takes a lot of time and effort. If you don’t have the time to learn all the procedures and laws surrounding the process, then it’s best to leave it to a credit repair company.

Even if you want to learn about credit repair, these companies can come in handy. Many credit repair firms in Virginia offer packages that involve guiding you through the process and crafting letters to send to the bureaus. Some also provide educational materials.

Finally, credit repair companies are a better option when you desperately need credit repair advice and you don’t know where to begin.

Wrapping Up 

There are many credit repair providers in Virginia to go to when in need of credit counseling or more specific services. These companies can help you improve your credit score by getting rid of the negative items on your credit report. The most popular among them are Credit Saint, Progrexion, and Next Step Credit Repair. There’s also the Virginia Credit Union that you can join to get free financial advice.

When looking to hire a credit repair company in Virginia be wary of scammers. Improving a credit report takes time and quick, 100% success is nothing more than one of the credit repair myths.

FAQ

Are there any legit credit repair companies in Virginia?

There are plenty of legitimate credit repair businesses in Virginia where you can seek credit repair advice and services. Some of them include Credit Saint, Hampton Roads Credit Repair, and Credit Repair 911.

Does Virginia require a bond for credit repair companies?

Yes. Virginia requires a surety bond to provide credit repair services in the state. The amount cannot be lower than $25,000 or higher than $350,000.

How much does credit repair cost in Virginia?

Credit repair in Virginia can cost between $60 and $130 for basic services. There are also often monthly fees. One-time fees, as well as enrollment fees, are usually higher.