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Hampton Roads Credit Repair

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LAST UPDATED: June 15th, 2020

Hampton Roads Credit Repair is a Virginia-based company that provides credit repair service to consumers who are looking to increase their credit scores quickly. 

The credit repair company provides the following services and more to those who sign up for its credit repair program: 

  • Submission of custom dispute letters 
  • Assistance from an experience case analyst and case advisor 
  • Personalized dispute options based on clients’ credit repair needs 
  • 24/7 access to case status and updated information 

Along with the services listed above, Hampton Roads Credit Repair also offers a 100 percent money-back guarantee. Additionally, the company allows clients to cancel services at any time. 

Hampton Roads Credit Repair does provide some credit education resources as well as a frequently asked questions page on its website to help clients and potential clients learn more about credit and credit repair. 

The company states on its website that it has a basic disputing certification as well as a master class certification from Credit Repair Cloud. 

Keep reading to learn more about Hampton Roads Credit Repair services.

Top Ranked Companies


The Good

  • Involved Credit Repair Services 
  • Complete Money-Back Guarantee 
  • Helpful Client Resources 

Involved Credit Repair Services

Hampton Roads Credit Repair offers a free credit consultation, a free credit analysis, and free credit recommendations to potential clients. 

Additionally, Hampton Roads Credit Repair provides credit repair services at a fairly affordable price to those who choose to sign up after receiving the free consultation. 

The company states on its website that it charges as low as $99 per month and does not have any hidden fees or any required hourly fees. 

As part of the company’s credit repair program, each client will receive assistance from an experienced case analyst as well as a case advisor. 

In terms of negative items challenged, Hampton Roads Credit Repair has worked to remove bankruptcies, collections, repossessions, charge-offs, foreclosures, medical bills, late payments, inquiries, tax liens, judgements, student loans, and more. 

According to the credit repair company’s website, clients are, on average, “able to remove 70 percent of the negative items from a credit report.” 

The company’s website also states that 93 percent of its clients generally see a credit score increase by 10 points or more within the first 35 days of using its credit repair services. 

Complete Money-Back Guarantee 

Hampton Roads Credit Repair offers clients a 100 percent money-back guarantee. 

According to the Hampton Roads Credit Repair website, customers must meet the following requirements in order to qualify for the company’s complete money-back guarantee: 

  • The customer does not remove more than 25 percent of the negative items that were worked on during the credit repair program. 
  • Six months have passed since the customer retains the company’s services. 
  • The customer had at least four negative items on their credit report when they signed up for the company’s services. 
  • The customer has not used a credit-consulting agency and has not attempted to repair their own credit within two years before signing up for the company’s services. 
  • The customer agrees to send updated reports from all three credit bureaus to the company within five days of receipt. 

Those who are interested in this money-back guarantee policy can visit the company’s website or contact a company representative to learn more. 

Helpful Client Resources

Hampton Roads Credit Repair provides a frequently asked questions page as well as a credit information page on its website to help clients and potential clients learn more about credit scores, credit repair, negative items, and more. 

The company also alludes that it provides customers with additional credit education resources when they start the credit repair program. 

Additionally, clients are able to log in to a secure online account directly from the company’s website at any time in order to access their case status and other important credit updates.


The Bad

  • Lack of Website Information
  • Limited Customer Service Availability 

Lack of Website Information

Although Hampton Roads Credit Repair does offer some information online about its services, the company does not provide information regarding the following: 

  • Staff credentials
  • Details about its credit repair process 
  • Discounts and additional plan options
  • How long it has been in business

Those interested in Hampton Roads Credit Repair services may be able to obtain this information by contacting the company directly.

Limited Customer Service Availability 

Hampton Roads Credit Repair, unlike many other companies in the credit repair industry, does not provide 24/7 customer service or support. 

Instead the company’s customer service is only available Monday through Friday from 10 a.m. to 6 p.m. 

Customers who have questions or concerns about their cases must contact the company during these business hours in order to receive support.


The Bottom Line

Hampton Roads Credit Repair appears to provide fairly affordable credit repair services to customers without any hidden fees or hourly fees. 

The company offers personalized dispute options, help from case analysts and case advisors, custom dispute letters, and more as part of its credit repair program. Clients are also provided with 24/7 access to view their case status and credit updates. 

Additionally, the company provides clients with some helpful online resources like a credit information page and a frequently asked questions section.

Hampton Roads Credit Repair states on its website that about 93 percent of all clients “see their credit score increased 10 points or more in the first 35 days.” 

The company also works to help clients remove a variety of negative items from their credit reports including charge-offs, bankruptcies, foreclosures, collections, repossessions, credit card debt, and more. 

Unfortunately, Hampton Roads Credit Repair does lack some important information on its website and does not offer 24/7 live customer service like many other top-rated credit repair companies. 

If you are interested in Hampton Roads Credit Repair, we recommend that you visit the company’s website, consider getting a free consultation, and read customer reviews to learn more about the company, its staff, and its credit repair services.

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Phillip Clay Virginia Beach, VA

I am very satisfied with the their services. They did all the work, was very professional and explained to my everything on my credit report. I just received a notification and I can't believe all of the accounts they were able to get removed and my score just increased also. I am so happy with my decision to get into their program. I would recommend them to everyone and anyone needing there credit repaired.

4 years ago

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Nadine Diggs Virginia Beach, VA

My experience has been great! Speedy service ,very knowledgeable in finances taxes and credit repair. I would refer them to anyone!

4 years ago