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Best Credit Repair Companies in Manchester

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

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.

170 Commerce Way Suite 200, Portsmouth, NH 03801
Portsmouth, NH 03801

Website(603) 232-3015

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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.

Online Profiles:

2 (Better)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

7 (Good)

Score Consistency:

Consistent (Best)

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

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.

P.O. Box 23, Windham, NH 03087
Windham, NH 03087

Website(603) 401-6263

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Frequently Asked Questions:

Q: How do you repair credit after identity theft?
A:

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.
Q: Is credit repair legal?
A: 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.
Q: Can a credit repair company remove late payments?
A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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