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Best Credit Repair Companies in Nashua

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Chaffin Financial logo

Chaffin Financial

203 Church Street, 2nd Fl, Clinton, MA 01510
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  • Debt Consolidation

Chaffin Financial assists individuals in achieving their financial goals in Nashua and nearby areas. The company offers credit repair services, helping clients restore their damaged scores. It clears out negative accounts, such as medical debts, by requesting the necessary documents and records from creditors and collectors. It also educates clients on matters concerning credit restoration. In addition, Chaffin Financial provides bookkeeping services for small businesses as well as credit and debt management. The company is trusted by Nakata Consulting.

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Change Your Credit.com logo

Change Your Credit.com

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

Change Your Credit caters to individuals in Nashua and the surrounding areas. It offers credit repair and business credit building services. The company works closely with individuals to evaluate their credit reports to create solutions to reach their objectives. It aims to remove negative items on the client's report by sending dispute letters to credit reporting agencies, such as TransUnion, Equifax, and Experian. It also has a client portal, allowing consumers to track their progress 24/7.

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Credit Repair Done 4 U logo

Credit Repair Done 4 U

PO Box 72, Orange, MA 01364
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  • Credit Monitoring

Credit Repair Done 4 U provides services to clients throughout the Nashua metro and the surrounding areas. Its credit repair services help individuals submit custom dispute letters and choose personalized dispute options. It also gives clients online access to their credit updates. Its founder, Tom Wemett, brings 48 years of financial advising experience. He is also a real estate broker licensed in Florida, Massachusetts, and New York. He uses his expertise in maintaining his mid-700s credit score to help clients repair their scores.

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Emerson & Douglas Associates, LLC logo

Emerson & Douglas Associates, LLC

26 Ermer Road Unit 2, Salem, NH 03079
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  • Debt Consolidation

Emerson & Douglas Associates, LLC, is a credit repair company that serves Nashua. It helps consumers dealing with debt problems rebuild their credit and attain financial relief. It negotiates with creditors on clients' behalf to remove inaccurate and unverifiable information from reports and improve their scores. The company provides options for people experiencing financial crises through credit counseling, debt settlements and consolidations, minimum payments, and filing for bankruptcy. Emerson & Douglas Associates has been in business since 2008.

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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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