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Credit Saint
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Call Now Toll Free
(478) 845-6310
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Sky Blue Credit Repair
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The Credit People
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The Credit Pros
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Call Now Toll Free
(844) 441-1397
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The Sarrett Law Firm
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Credit Restoration Associates
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Prime Credit Advisors
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CRE Credit Services
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Credit repair companies in Richmond evaluate your credit reports from the three major credit bureaus— Equifax, Experian and TransUnion— searching for discrepancies like incorrect accounts or outdated information. Credit repair agents then dispute those discrepancies with the credit bureaus, which have to either verify or remove them.
In addition to disputing errors on your credit report, credit repair companies may offer other services, such as credit monitoring, credit counseling, debt consolidation or mortgage preparation.
Shop around to find the credit repair company that suits your needs. Consider each company’s reputation, success rate and pricing transparency.
In Richmond, expect to pay between $60 and $130 per month for credit repair services. Most customers pay for three months to a year before their case is resolved.
Some Richmond credit repair companies also require a small setup fee, usually under $200. Ask your chosen company about any additional fees it may charge, and avoid companies that aren't clear with their pricing.
Because there have been many credit repair scams over the years, there are laws governing how credit repair companies operate. Under the Credit Repair Organizations Act, credit repair companies cannot make false claims or demand upfront payment. Instead, credit repair companies must collect payment as they conduct services.
This federal law also requires that credit repair companies provide customers with a written contract that has specific cancellation rights. In Virginia, these companies must also have a surety bond.
The Virginia Department of Agriculture and Consumer Services recommends that all consumers verify the registration status of a credit repair business before entering into a contract. You can check licensing on the Virginia State Corporation Commission website.
Can my bank help me fix my credit?
Most Richmond banks do not offer credit repair services, though they may provide financial counseling. For professional assistance with your credit score, contact a credit repair company.
Is credit repair legal in Richmond?
Credit repair is legal in Richmond, but there are laws outlining how credit repair companies can operate. These laws exist to protect Virginians from credit repair scams.Are credit repair scams common in Richmond?
Credit repair scams are fairly common in Virginia. A credit repair company is breaking the law if it demands payment for services upfront or doesn't provide a written contract.
What do credit repair companies do?
Credit repair companies dispute inaccurate or outdated items on your credit report. This often results in the item disappearing from your credit history. Removing inaccurate or outdated information can significantly raise your credit score over the course of three to 12 months.
What is the Credit Repair Organizations Act?
The CROA is a law designed to protect consumers from predatory credit repair companies. It forbids these companies from making false claims or demanding upfront payment, and it requires them to provide your contract and legal rights in writing.
Credit Saint |
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Credit Saint helps clients remove items such as collections, late payments, foreclosures and judgments from their credit reports. The company also provides free consultations and a 90-day money-back guarantee. Representatives are available via email, phone and online chat. Richmond clients pay a $99 setup fee and then $79.99 per month. |
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Learn More (478) 845-6310 |
Sky Blue Credit Repair |
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Sky Blue Credit Repair is a credit restoration company that helps individuals and families in Virginia. It provides a 90-day money-back guarantee and discounts for couples entering credit repair together. Sky Blue charges a $79 setup fee and $79 per month for ongoing credit repair services. |
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The Credit People |
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The Credit People specializes in removing late payments, charge offs, collections, bankruptcies, repossessions, judgments and inquiries from your credit report. Richmond clients pay a $19 setup fee and then $79 per month. Flat-rate memberships are also available at $419 for six months of service. |
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The Credit Pros |
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The Credit Pros is a national credit repair company that provides personalized credit insights to help you understand how you can improve your score. Optional credit monitoring is also available. The Credit Pros offers four packages that range from $69 to $149 per month. A first-work fee may apply. |
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Learn More (844) 441-1397 |
The Sarrett Law Firm |
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The Sarrett Law Firm helps people improve their credit by bringing lawsuits for failures to remove innaccurate information. If credit reporting agencies do not fix your reports, The Sarrett Law Firm works with you to get fair compensation for the damages your inaccurate credit report caused. These lawyers can even help if you’ve experienced identity theft. Call for more information, or visit the firm’s office at 8100 Three Chopt Road, Ste. 203, Richmond, VA 23229. |
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Credit Restoration Associates |
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Credit Restoration Associates starts with a free credit evaluation. Then, its credit experts complete a thorough audit of your credit report, providing an action plan for improving your credit. The audit and action plan cost $249. If you approve of the action plan, Credit Restoration Associates begins disputing items on your credit report for a monthly fee. For more information, fill out a form or call its local office at 31 Providence Road, North Chesterfield, VA 23235. |
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Prime Credit Advisors |
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Prime Credit Advisors obtains your report from the three major credit bureaus and analyzes each item. Its credit consultants then dispute any inaccuracies. Within 30 days, you should receive a result. Prime Credit Advisors charges a recurring fee; the exact amount varies by need. If it doesn’t remove any items from your credit report, Prime Credit Advisors returns 100% of your service payments. This company doesn’t have a local office, but you can contact its representatives online or by phone. |
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CRE Credit Services |
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CRE Credit Services helps Richmond clients by disputing all inaccuracies on their credit reports, including false late payments, tax liens, repossessions, bankruptcies and collection accounts. Most customers only pay for six months, and refunds are available for any clients that are unhappy with the service. CRE Credit Services also offers credit education. Fill out its online form for more details. |
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