Best Credit Repair Companies in Manchester

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Lexington Law logo
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Free Credit Report Consultation

Lexington Law

Manchester, NH

Business Description

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (3042)

Price: Free Credit Report Consultation

Change Your Credit logo
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Change Your Credit

170 Commerce Way Suite 200, Portsmouth, NH 03801
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  • Credit Monitoring

Business Description

Change Your Credit addresses the needs of individuals in Manchester and the surrounding areas. It helps clients improve their credit scores by examining their reports to look for negative items. Its team develops plans to dispute negative items directly with credit bureaus. The company analyzes the clients' credit reports and educates them on their available options. Change Your Credit works closely with Realtors, car dealers, and loan officers to help customers improve their credit profiles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.3 / 5 (4)
Facebook
3.7 / 5 (3)
Financial Recovery, LLC logo
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Financial Recovery, LLC

P.O. Box 23, Windham, NH 03087
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  • Credit Audit

Business Description

Financial Recovery, LLC, caters to clients in Manchester. The company works with individuals looking to repair their credit scores and educates them on how the recovery process works. Its specialists evaluate the client's report to remove negative items on their account, including student loans, late payments, tax liens, medical bills, bankruptcies, and foreclosures. They offer a protection plan to secure the consumer's credit score and identity. The company also caters to clients looking to start their independent agency by providing ongoing training, mentoring, and education.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Frequently Asked Questions

Can credit repair companies remove bankruptcies?

A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

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