AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros

    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit

    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People

    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair

    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
BBB Accredited
Credit Saint logo

Credit Saint

    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
CreditRepair.com logo


    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
Most Clients Served
Lexington Law logo

Lexington Law

    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection

Is bad credit ruining your chances of being approved for a home loan? Have you been quoted high-interest rates on your insurance premiums due to your credit score? Maybe that promotion you have been eyeing is out of reach only because of your credit rating; whatever the case, there is help available. Professional credit repair in Virginia can help remove negative marks and improve your credit so you can get the things you deserve. Read on to find out how credit repair works in Virginia and why you should consider using it to fix your credit.

Overview of the credit industry in Virginia

The cost of living in Virginia is on par with the average cost of living in the US generally. It sits comfortably in the middle of other states, with real estate and basic necessities around average for the country. Despite the middle of the road living costs, Virginia has the second-highest levels of per person credit card debt in the country. The average person in Virginia has credit card debt of $5,951, which is much higher than the national average of $5,193 per person.

Virginia residents have good credit scores. The average credit score in the state of Virginia is 721, which is just above the national average of 714. If you’re having difficulty improving your credit score or you’re experiencing an unexpected drop in your score, you may want to look into credit repair as an option to correct inaccurate information that’s going into your credit score calculation.

Laws that affect credit repair in Virginia

The Virginia Credit Services Businesses Act (VA Code 59.1-335.1) is a state law that credit repair companies operating in Virginia must abide by. It includes a few specific regulations about how these companies should communicate with customers and provide service. Some of the main requirements for credit repair companies are:

  1. Holding a valid surety bond worth at least $50,000
  2. Registering with the Virginia Department of Agriculture and Consumer Services as a credit service organization (CSO)
  3. Providing a cancellation period of at least 3 business days after the contract is signed
  4. Upon request, providing a full refund for customers within 10 days of signing the contract
  5. Disclosing some specific things about credit repair in customer contracts

Federal laws also apply to companies offering credit repair in Virginia. Namely, the Credit Repair Organizations Act (CROA) is a federal law aimed at protecting consumers by reigning in what credit repair companies are allowed to do, how they should charge customers, and how contracts should be arranged.

Do you need a lawyer to do credit repair in Virginia?

A lot of law firms around Virginia offer credit repair services. However, you don’t have to work with a law firm unless you want to. There are no restrictions on who can offer credit repair services, as long as they’re abiding by all relevant Virginia state laws and federal laws. This is beneficial to you, since it widens the pool of possible companies you can work with, allowing you to choose with company you feel will get the job done right.

Credit repair process in Virginia

Virginia has a basic 3-step credit repair process. It roughly follows this order:

Step 1: Requesting copies of your credit reports  

In the beginning of the process, you need to make a request for your credit reports from each of the 3 credit bureaus in the US. These bureaus are responsible for creating and maintaining their own database of credit-related transactions for individuals, then using that data to calculate credit scores for each person. While you can’t just look it up online, you’re legally entitled to request a copy of each credit score from these credit bureaus at least once within a 12-month period.

Step 2: Examining entries on your credit reports  

Once you receive your credit reports either digitally or through the mail, it’s time to go through the entries individually and search for inaccuracies. Inaccurate entries can be anything from simple clerical errors to more serious cases of credit fraud. Unfortunately, simple errors are common on credit reports, so you need to look closely at every entry, especially any negative entries, since these have the biggest impact on your credit score.

Step 3: Disputing inaccurate credit report entries  

Only if inaccurate information is found on your credit report can you advance to the next stage of credit repair, which is disputing those entries with the relevant credit bureaus. This process cannot be done to attempt to remove legitimate, accurate entries that happen to be negatively impacting your credit score. If inaccuracies are found, send in dispute letters to the credit bureaus with some evidence of the inaccuracy and request the entries be removed or corrected.

Note: Once you get to the dispute process, credit repair gets more complicated. While you’re technically allowed to do it on your own, you may face a lot of difficulty getting a credit bureau to listen to your request if you try to dispute an entry without knowing the proper procedure and the right types of evidence to supply in support of your case.

Why Should I Use Professional Credit Repair?

Using a professional credit repair service in Virginia has its advantages even though you can perform most of the same actions used to correct your credit. As an individual, you will have only so much time each day or even each week to spend following up with the credit reporting agencies regarding items you are disputing on your credit report. Sometimes a consolidation of your debts is the best way to reduce your overall DTI ratio, in this case, a professional credit repair agency can be very helpful. In addition to working with companies to reduce your overall due, they can help negotiate affordable payments that fit your budget. A professional credit repair company can ask for negative marks from the consolidated accounts to be removed as part of your debt consolidation plan. If you have accounts that are currently in collections, a professional credit repair agent can negotiate a settlement that saves you money and gets debt collectors off of your back.

What to look for in a credit repair service

Hiring a reliable Virginia-licensed credit repair company is the best decision you can make for your financial health. Always start by looking for reviews online or receiving a recommendation from someone you trust. Check the company or individuals' credentials prior to handing over any of your personal information, and make sure you verify that their registration and bond are in good standing. A good Virginia credit repair company will have clear pricing and let you know what can be done to improve your score before you commit to their services. While a no-obligation consultation is not mandatory, many of the top credit repair companies offer them so that you can compare rates and make an informed decision regarding their credit repair services. It is a good idea to check the BBB and also find out if there have been any complaints in regards to customer service or delivering on their promises. Credit repair is not free, so it is important to invest your money in a company that is able to help you improve your score through legal methods.

Common questions and answers:

How much can you improve your credit score in Virginia?

Virginia credit scores can be significantly impacted by credit repair, especially if there are many negative entries on your credit report that don’t belong. False credit entries can be very damaging. By removing these inaccurate entries, you’re resetting the information used to calculate your credit score, resulting in a more accurate, honest credit score that truly reflects your ability to handle credit.

How much does it cost to fix your credit in Virginia?

Credit repair services in Virginia charge a monthly rate to account for the length and complexity of the process. You can find good companies offering varying services from $69 - $189 per month, depending on what’s included in the service. The average cost for a reputable credit repair company is $125 per month in Virginia.

How long does the credit repair process take in Virginia?

No matter how well you present your case, credit repair can still take months to complete. In Virginia, the average time credit repair takes from start to finish is 3 – 6 months. Delays along the way can make the process take longer. Unfortunately, there’s no way to get a solid timeline for your credit repair case upfront. You just have to follow the process and diligently keep up with it.

Are there any cities in Virginia where you cannot do credit repair?

Small or large, all cities in Virginia have equal access to credit repair from any reputable company operating in the state. As long as local and federal laws are followed, credit repair is available to residents of large cities like Virginia Beach, Chesapeake, Norfolk, or Roanoke as well as smaller cities including Tysons, Salem, Radford, or Martinsville. If you are having trouble managing your debts and can’t seem to find a way to lower your expenses on your own, hiring a credit repair company is a step in the proper direction that can lead you to a firmer financial future.

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