Jason S. Miyares
Attorney General of Virginia

Credit Services Businesses

Virginia law defines a credit services business as "any person who, with respect to the extension of credit by others, sells, provides, performs, or represents that such person can or will sell, provide, or perform, any of the following services in return for the payment of money or other valuable consideration".


1. Improving a consumer's credit record, history or rating;
2. Obtaining an extension of credit for a consumer, or;
3. Providing advice or assistance to a consumer with regard to either subdivision 1 or 2 herein.


The Office of Charitable and Regulatory Programs (OCRP) is responsible for the administration of the Virginia Credit Services Businesses Act (VCSBA).

Before entering into a contract with a credit services business, verify the registration status of the business with OCRP.

For more information, visit their Frequently Asked Questions page:

OCRP Credit Services Businesses FAQs


Read the Virginia Credit Services Businesses Act (VCSBA) law.


File a complaint with the Office of Charitable and Regulatory Programs (OCRP)


For further assistance call our Consumer Protection Hotline at 1-800-552-9963 if calling from Virginia, or (804) 786-2042 if calling from the Richmond area or from outside Virginia. Our business hours are 8:30 a.m. to 5:00 p.m., Monday through Friday.