AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros

    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit

    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People

    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair

    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
BBB Accredited
Credit Saint logo

Credit Saint

    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
CreditRepair.com logo


    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
Most Clients Served
Lexington Law logo

Lexington Law

    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection

Are you a New Hampshire resident who is struggling with getting loan approvals? Perhaps you are thinking of relocating but keep getting denials when you submit an application? If so, chances are your credit score and poor payment history are to blame. The best way to improve your score is with proper money management, but you can also work with a credit repair company to help you remove some of your negative marks. If you are tired of the denials, not is as good a time as ever to hire a New Hampshire credit repair company to help you get things back on track.

Overview of the credit industry in New Hampshire

While New Hampshire has an average cost of living overall, it varies wildly from city to city within the state. Larger metro areas tend to have a higher cost of living in New Hampshire than smaller cities, especially any metros located further south. Partly due to the higher expenses in surrounding states, real estate costs in New Hampshire are higher than national averages. Credit card debt in the state is only just above the national average, with the average per person being $5,375 versus the Us average of $5,193 per person.

Despite higher real estate prices in the state, New Hampshire residents still enjoy fairly high credit scores. The average person has a credit score of 734, 20 points above the national average. This is in a good range, but it can still go up from there! If you’re having trouble improving your credit score, it may be useful to look into credit repair, in case you have inaccuracies present on your credit reports that are interfering with the calculation.

Laws that affect credit repair in New Hampshire

New Hampshire has a state law that deals with credit repair companies and other types of credit service providers. This is the Credit Services Regulation Act (NH Rev Stat 359 D:1). Under this law, all companies that want to provide the service of credit repair to residents of New Hampshire must do the following:

  • Pay for a surety bond that’s worth at least $25,000
  • Include specific disclosures about the service in all contracts
  • Provide an option for customers to get fully refunded within 5 days of signing a contract
  • Give customers that option to cancel a contract within 5 business day of signing it

New Hampshire’s state law builds on an existing federal law, the Credit Repair Organizations Act (CROA). This lays the groundwork for how credit repair companies should act, including what they’re actually allowed to do for customers, how they can charge for it, and what they need to do to make the service legal.

Do you need a lawyer to do credit repair in New Hampshire?

Although some law firms or websites might make it sound like a lawyer is a required to do credit repair, it’s not true. Technically, credit repair can be done by any company or individual who follows state and federal regulations in New Hampshire. You can actually do the service for yourself as well, but it’s not recommended. Credit repair can be difficult to do, requiring a lot of time and benefitting from past experience, which is why it’s best to work with someone you trust to get it done right, whether they’re a lawyer or not.

Credit repair process in New Hampshire

In the state of New Hampshire, you need to follow these 3 steps for credit repair:

Step 1: Request your personal credit reports

There are 3 different credit bureaus in the US that maintain records related to your credit. These records are your credit reports, which are used to calculate your individual credit score. You can request a credit report for free from each of the 3 credit bureaus at least once every 12 months, either online or through the mail.

Step 2: Scan reports for errors

Check through each of the 3 credit reports individually. You’re looking for any entries that have inaccurate or false information. This could be anything from a fraudulent transaction recorded maliciously to a simple data entry mistake that accidentally changed something about a credit report entry. If there are no issues on your credit report, you cannot go through the credit repair process, as this is only for removing inaccurate entries.

Step 3: Communicate with credit bureaus about the issue  

When mistakes are found on your credit report, you need to send in a dispute letter to the different credit bureaus. This initiates the central process of credit repair, signaling to the bureaus that there’s an entry they need to investigate. A separate letter should be sent to each bureau that includes the inaccurate entry on their report, detailing the issue and providing evidence of inaccuracy.

Note: even though the process is only three steps long, it's not as simple as it appears on first glance. Unfortunately, credit repair can take a lot longer than it should because of delays that can come up throughout the final step. Once the credit bureaus are involved, the entire process gets less predictable and more difficult. Because of this, it's useful to work with a credit repair company that's been through the process before in New Hampshire.

Consolidate Your Credit Card Debt In New Hampshire

Credit problems come in many forms, but one of the most common that results in a bad credit score is high levels of credit card debt. Paying your credit cards on time is a good habit, but if you constantly max out your cards then you are still harming your score. Your debt-to-income ratio is determined by how much of your available credit you are using; anything over the 50% mark will lead to a drop in your overall score regardless of your payment history. This DTI is calculated as a whole and also for each individual debt on your report.

When you work with a professional NH credit repair agency, they will be able to help you consolidate your credit card debt efficiently. They will combine your existing open lines of credit under one bill. This will help reduce your payments, even out your DTI ratio, and make it easier to get your finances under control. In most cases, they will negotiate with your creditors to remove derogatory marks such as late fees and overdue payment notations. As you make your payments on time, this will help improve your score and save you money at the same time.

Can Bad Credit Be Fixed?

Being declined for a line of credit or even housing due to your low score can be terrifying. When it happens again and again it is easy to lose hope. There is no quick way to repair your credit. In order to fix your score legally, it takes time, effort, and proper financial management. You can put your own effort into repairing your credit score by creating a budget and also by paying off or paying down outstanding debts. This will go a long way towards improving your credit score, but you may need more help if you have serious credit issues. A professional credit repair specialist in the state of New Hampshire will be able to coordinate a credit card consolidation or even negotiate with collections agents on your behalf. In addition to working with your creditors, they can also work to dispute inaccurate items or old entries on your credit report that may be affecting your score.

Common questions and answers:

How much can you improve your credit score in New Hampshire?

Credit scores can only be improved through credit repair if you have inaccurate entries on your credit report. When this is the case, credit repair can have a significant positive impact on your credit score. Inaccurate entries could be dragging your credit score down by making your payment history or open credit accounts look much worse than they should. By removing these issues, you're allowing your credit score to be calculated only from accurate, legitimate entries.

How much does it cost to fix your credit in New Hampshire?

Like in most U.S. states, the average cost to get your credit fixed with a credit repair company in New Hampshire is around $79 to $199 per month, but there's a wide range of prices depending on which company you work with. Some companies charge as little as $59 per month, while others charge upwards of $199 per month. This monthly cost is usually paired with a one-time upfront setup fee.

How long does the credit repair process take in New Hampshire?

Credit repair can take longer than you might think. On average, New Hampshire residents can expect credit repair to take between three to six months. It's impossible to predict how long it will take to have an inaccurate entry removed from your credit reports because credit bureaus are not transparent in providing a timeline for the process.

Are there any cities in New Hampshire where you cannot do credit repair?

All cities in New Hampshire allow credit repair with no exceptions. You don't have to live in a specific city or region of the state in order to get credit repair. You don't even have to live in the same area as the credit repair company you choose to work with, as long as they follow New Hampshire laws and federal laws. So, whether you live in Manchester, Nashua, Concord, or a smaller city like Meredith, Deerfield, or Dunbarton, you'll be able to get the same credit repair services anywhere.

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