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Best Credit Repair Companies in Salt Lake City, UT

Our Recommended Top 10

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 Salt Lake City 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.



10Top Picks

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featured provider = Featured Provider

Salt Lake City, UT 84113 Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint seeks to educate clients on the different aspects of credit. The credit repair company near Salt Lake City makes credit restoration simple through a three-step process. This includes the creation of credit monitoring accounts, reviews of credit history, and consultation. The firm offers a wide range of packages based on the circumstances of clients. The packages cover credit score analysis and tracker, challenges to the credit bureaus, creditor interventions, as well as cease and desist letters.

  • Money Back Guarantee
  • Credit building
  • Credit Restoration
  • Credit Audit
  • Credit Repair
Lexington Law logo


Salt Lake City, UT
Free Credit Report Consultation Rating

Review Sources

4.3 (4233)
4.3 (2911)
2.0 (151)

Why choose this provider?

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.

  • Credit Repair
  • Consumer Credit Services

735 E 9000 S Ste 201, Sandy, UT 84094 Rating

Review Sources

4.8 (29)

Why choose this provider?

Bolt Credit Services is a credit counseling agency providing consumer and business credit solutions in the Salt Lake City area. The professionals conduct detailed reviews of reports to create strategies for financial recovery, depending on the client's credit situation. They also file disputes with credit reporting agencies regarding negative, inaccurate, and unverifiable items discovered during the report evaluation. The firm's credit repair programs offer solutions for clients with a few late payments on several open lines of credit. Bolt Credit Services also teaches clients about rebuilding credit and avoiding new negative items, such as collections.

1245 E Brickyard Rd, Salt Lake City, UT 84106 Rating

Review Sources

4.4 (1544)

Why choose this provider?

Credit Innovation Group is a credit repair company in Salt Lake City that helps people increase their credit scores. Its experienced advisers conduct an in-depth credit analysis to discover what negative marks are lowering a client's credit scores. Any items that are inaccurate, misleading, or unverifiable are sent to the credit bureaus to be removed or corrected. The company starts rebuilding a client's credit by negotiating with their creditors to obtain lower monthly payments and interest rates. Credit Innovation Group's clients are provided with updates on the credit changes made throughout the entire credit repair process.

PO Box 1206, Orem, UT 84059 Rating

Review Sources

5.0 (2)

Why choose this provider?

Vantage Capital Alliance is a credit consulting and credit repair agency that serves the Salt Lake City area. It offers debt settlement and credit counseling services to help individuals eliminate negative information from reports. The firm's professional student loan counselors offer tailor-made solutions to students with multiple small loans and drastically reduce monthly payments. In addition, the company has a Business Consulting service that assists business owners in accessing funding and protecting their assets. The company's Family Banking Plan helps clients avoid losses in the market, protect their assets from loss, and its educational programs include a learning platform to help people maintain and increase positive credit scores.

11451 S 700 E Ste A, Draper, UT 84020 Rating

Review Sources

4.6 (168)
4.9 (14)

Why choose this provider?

For more than seven years, Premier Credit has provided credit solutions to clients in Salt Lake City and the surrounding areas. The credit service organization helps individuals overcome credit challenges and maintain good credit scores through coaching them and negotiating with creditors. Its credit repair programs entail customized credit analysis, dispute submissions to the three credit bureaus, and goodwill interventions for the removal of late payments. Additional credit services include virtual money managers, score builders, and score trackers. Premier Credit has a smart credit monitoring option that helps clients take control of their reports and build good credit.

3643 W Evening Sky Ln, South Jordan, UT 84009 Rating

Review Sources

5.0 (29)

Why choose this provider?

Bright Solution Credit Repair LLC is a locally owned and operated credit repair company near Salt Lake City that helps people raise their credit scores. The company's financial services include a free consultation, a thorough review of a client's credit reports, and recommendations on how to maximize their credit scores. Working with creditors and the credit bureaus, its experienced case advisors use the law to challenge all negative items listed on a client's report. Bright Solution Credit Repair allows its clients to access their accounts and see how the repair process is going every step of the way.

Salt Lake City, UT 84101
Website Rating

Review Sources

4.6 (259)
5.0 (7)

Why choose this provider?

ASAP Credit Repair is a family-owned and family-operated business that serves clients in Salt Lake City. It helps clients in eliminating inaccurate or unfair items listed on their credit reports, including late payments, bankruptcy, and foreclosures. In addition to giving clients financial education tools, ASAP Credit Repair assists clients in achieving their automobile and homeownership goals. Since its establishment in 2013, the company has served more than 46,000 clients. It has also completed over 11,000,000 permanent deletions.

  • Credit Monitoring
  • Credit Dispute

878 Windsor Ln, Bountiful, UT 84010 Rating

Review Sources

5.0 (11)

Why choose this provider?

Aggressive Credit Repair LLC is a credit repair company near Salt Lake City that's been restoring consumer credit since 2004. The company's advisors use a three-step process to repair bad credit and improve credit scores on a client's credit reports. The process involves evaluating the credit reports from the major credit agencies, identifying problematic issues, filing credit disputes, and developing settlement schedules for past due debts. Additional services include first-time and refinancing mortgage services. Aggressive Credit Repair is a member of the National Association of Credit Repair Organizations and is Gephardt approved.

8819 S Redwood Rd Ste B1, West Jordan, UT 84088 Rating

Review Sources

4.1 (21)

Why choose this provider?

Wasatch Credit Consulting is a credit restoration firm near Salt Lake City that works with individuals to improve their credit scores and financial situation. Its credit consultants review a client's credit reports and design a comprehensive plan of action. In accordance with consumer laws, the firm contacts the client's creditors to have inaccurate or unverifiable items removed or corrected. Once the first round of the dispute process is completed, its expert team challenges any remaining negative items. Wasatch Credit Consulting provides its clients with a web portal where they can log in and monitor the progress.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Salt Lake City, UT 84113Free Credit Evaluation
Lexington Law
Salt Lake City, UTFree Credit Report Consultation
Bolt Credit Services
735 E 9000 S Ste 201, Sandy, UT 84094
Credit Innovation Group
1245 E Brickyard Rd, Salt Lake City, UT 84106
Vantage Capital Alliance
PO Box 1206, Orem, UT 84059
Premier Credit
11451 S 700 E Ste A, Draper, UT 84020
Bright Solution Credit Repair LLC
3643 W Evening Sky Ln, South Jordan, UT 84009
ASAP Credit Repair
Salt Lake City, UT 84101
Aggressive Credit Repair, LLC
878 Windsor Ln, Bountiful, UT 84010
Wasatch Credit Consulting
8819 S Redwood Rd Ste B1, West Jordan, UT 84088


  • 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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