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Best Credit Repair Companies in Provo, UT

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Provo Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

88Reviewed

56Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Provo, UT

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Credit Repair
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Money Back Guarantee

Provo, UT

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Provo? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

735 East 9000 South, Sandy, UT 84094

Expertise.com Rating

Review Sources

Google
4.0 (42)
Facebook
5.0 (2)

Why choose this provider?

Bolt Credit Services is a credit repair company serving Provo and its neighboring metros. The company offers personal and business credit repair services, procuring tailored solutions to help its clients clean up their credit records and achieve good standing. Its team conducts one-on-one consultations with each client to review and audit their profiles and creates a plan to dispute credit issues with respective bureaus. The company has helped its clients repair their bad credit records in a span of 30 to 45 days.

  • Credit Dispute

878 Windsor Lane, Provo, UT 84010

Expertise.com Rating

Review Sources

Google
5.0 (227)
Facebook
5.0 (11)

Why choose this provider?

Aggressive Credit Repair, LLC, owned and operated by Lorin Hanks, helps individuals in Provo and the nearby areas requiring credit repair and analysis. Lorin works directly with customers and employs a three-step process, which includes analysis, dispute, and settlement. His philosophy is to encourage customers to resolve their debts. With 20 years of credit repair experience and a decade in the mortgage industry, he can assist individuals planning to acquire mortgages or refinance in the future. Credit monitoring services are also available.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

11451 S 700 E Ste A, Draper, UT 84020-8204

Expertise.com Rating

Review Sources

Google
4.0 (173)
Facebook
4.9 (14)

Why choose this provider?

Premier Credit Consulting has been in the credit repair industry for 10 years, serving clients in Provo. With its collaboration with real estate professionals, home builders, and mortgage originators, the company has helped clients build a healthy credit profile. The company helps its clients attain their credit goals and credit qualify their home loans. Premier Credit Consulting offers a complete service package that includes customized credit analysis, and direct credit debt validation. The company also offers credit monitoring and rental verification services for credit reporting.

  • Credit Audit
  • Credit Dispute
  • Credit Monitoring

2850 Decker Lake Drive, West Valley City, UT 84119

Expertise.com Rating

Review Sources

Facebook
4.0 (436)
Google
4.7 (340)

Why choose this provider?

CreditRepair.com is a company that has been serving the Provo community since 2012. It offers credit repair services by directly communicating with creditors to dispute inaccuracies and unverified items on credit reports. Services also include online credit evaluation, negative item review, and the creation of credit improvement plans. Its team also specializes in credit education to inform clients about the negative items that affect their scores such as medical bills, delinquent accounts, bankruptcies, late payments, and collections.

  • Credit Audit

8819 South Redwood Road, West Jordan, UT 84088

Expertise.com Rating

Review Sources

Google
4.4 (28)

Why choose this provider?

Established in 2015, Wasatch Credit Consulting is a full-service credit restoration firm that serves clients in Provo. Seann Duggan is the CEO of Wasatch Credit Consulting. He and his team help individuals improve their credit scores and content through personalized credit repair services. Seann is also licensed by the Department of Real Estate as a continuing education instructor who teaches topics focusing on credit reporting, FICO scoring, identity theft, dispute processes, and other personal credit-related areas.

  • Credit Monitoring

695 North 400 East, Lehi, UT 84043

Expertise.com Rating

Review Sources

Google
4.3 (23)

Why choose this provider?

Legacy Legal offers more than 29 years of credit repair experience to the residents of Provo and the surrounding areas. The company offers credit report analysis and consultation. It removes erroneous information on credit reports, including late payments, student loans, foreclosures, and repossessions, by disputing them with the corresponding credit bureaus. Additionally, Legacy Legal provides 24/7 online access, which allows clients to track their progress. The company has helped thousands of clients improve their credit scores.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Provo, UTFree Credit Evaluation
Bolt Credit Services
735 East 9000 South, Sandy, UT 84094
Aggressive Credit Repair LLC
878 Windsor Lane, Provo, UT 84010
Premier Credit
11451 S 700 E Ste A, Draper, UT 84020-8204
Creditrepair.com
2850 Decker Lake Drive, West Valley City, UT 84119
Wasatch Credit Consulting
8819 South Redwood Road, West Jordan, UT 84088
Legacy Legal
695 North 400 East, Lehi, UT 84043

FAQs

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • 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.

  • Can a credit repair company remove late payments?

    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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