Monthly
Pay as you go.
$92.99per month
- Full credit report analysis
- Monthly dispute letters
- Progress tracking
- Email and phone support
Credit help for Salt Lake City & nearby Utah communitiesUnderstand the report.
Understand the report.
Build the next chapter.
Report analysis, evidence-based dispute support, and credit education designed to help you make informed decisions—without score promises or shortcuts.
3Bureaus reviewed when reports are supplied
FCRAGuided dispute process
1:1Credit education and next steps
Start with a clear conversation
Request a free consultation
Use the secure quote form to share your goals. Do not include Social Security numbers or full account numbers.
Evidence-based disputesFocused on information you have reason to challenge
Clear limitationsNo guaranteed deletion, score, approval, or timeline
Credit educationHabits for the work that happens after disputes
Utah service areaScheduled phone and online consultations
Eight connected servicesA complete view of
A complete view of
your credit story.
Each service explains what it can solve, what is included, what to prepare, the tools used, the work process, local considerations, and honest FAQs.
01Credit Repair & Restoration
We help you understand what is reporting, identify information that may be inaccurate or outdated, and organize a documented dispute and rebuilding plan.
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02Credit Report Review & Analysis
A line-by-line review turns three dense credit reports into a prioritized, understandable plan without promising a specific score outcome.
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03Credit Dispute Services
We help prepare precise disputes for report information you have a factual reason to challenge and keep the correspondence organized from first letter to response.
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04Collections & Charge-Off Review
We review how collection and charge-off accounts are reporting, look for factual inconsistencies, and help you choose an informed next step.
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05Bankruptcy Credit Report Review
We compare your reports with the documents you provide to check how the bankruptcy and included accounts are being described after filing or discharge.
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06Credit Counseling & Education
Understand the behaviors and report data that shape your credit profile so you can make deliberate choices long after a dispute is complete.
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07Credit Rebuilding & Score Improvement
Rebuilding pairs accurate-report work with steady payment, balance, monitoring, and application habits—without promising a target score or timeline.
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08Debt Help & Financial Wellness
We help you organize debts, understand how accounts appear on your reports, and prepare questions before choosing repayment, settlement, or management options.
Explore service →Facts firstbecause a negative item is not automatically an error
More useful than a blanket dispute
Every item needs its own reason, record, and next step.
Premium Credit Services reviews the reports you provide, separates potential inaccuracies from accurate negative history, and organizes the work around what the documents support.
- 01Read the reporting
Compare identity data, dates, balances, ownership, status, payment history, and bureau differences.
- 02Document the issue
Match each challenge to a specific factual concern and the records that support it.
- 03Build beyond the dispute
Use payment, utilization, monitoring, and application habits to support long-term progress.
A documented working rhythm
Review. Dispute. Rebuild.
The order matters: understand the data, challenge only what has a factual basis, then reinforce the habits you control.
- 01
Credit analysis
Bring current reports and supporting records. We organize accounts, dates, balances, and inconsistencies.
- 02
Focused correspondence
Supported issues are documented in clear disputes and tracked through the response process.
- 03
Credit education
We turn the review into practical payment, utilization, monitoring, and application habits.
Straightforward pricing
Two ways to get started.
Choose monthly flexibility or a one-time plan. Both options combine credit report analysis, dispute support, progress tracking, and access to guidance.
Lifetime
One payment with lifetime support and no recurring charge.
$86.99one-time
- Everything listed in Monthly
- Lifetime credit education access
- Priority dispute handling
- No recurring charges
Clear terms: your written agreement will confirm the service scope, payment timing, cancellation rights, and other required disclosures. Credit outcomes are not guaranteed.
Client feedback
What clients have shared.
Previously published feedback about report review, communication, and credit-repair support. Individual outcomes depend on each person's credit profile and circumstances.
“Ali was very helpful in removing old debt collection and charge-off accounts from my credit report. He was very nice and very thorough throughout the process. He helped my score jump 100 points from 620 to 720 in 3 months. Highly recommend him if you are looking to improve your credit situation.”
“I was very pleased to work with Ali to repair my credit and qualify for a better mortgage rate. He is very knowledgeable about credit reports and how to remove negative items from your report to improve your score. Will work with him again if I run into credit issues later on.”
Individual experience is not a guarantee of similar results. Credit outcomes depend on each report, supporting records, consumer actions, and scoring model.
Utah service areaCredit help that meets you
Credit help that meets you
where you are.
Select a verified community to view the map and local consultation details. Service is scheduled by phone or online; no walk-in address is represented.
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Sandy, UT
Sandy consumers can schedule a structured review of credit reports, potential inaccuracies, rebuilding habits, and debt-related questions without relying on a walk-in office.
Service-area-only business: Premium Credit Services lists Salt Lake City as its primary market and does not publish a walk-in street address.
Need to confirm coverage? Call (801) 425-5462Straight answers before you startKnow the limits.
Know the limits.
Then make a plan.
Useful credit guidance should distinguish disputed inaccuracies, accurate negative history, legal questions, and the habits within your control.
Call (801) 425-5462 →What can Premium Credit Services legally challenge?
The service can help dispute credit-report information a consumer believes is inaccurate, incomplete, duplicated, outdated, or not theirs. Accurate, current negative information cannot lawfully be promised for removal.
How much does the service cost?
Premium Credit Services offers a Monthly plan for $92.99 per month and a Lifetime plan for a one-time payment of $86.99. Your written agreement will confirm the services, timing, payment terms, and cancellation rights that apply.
How quickly will my score improve?
No timeline or score increase can be guaranteed. Outcomes depend on the facts in each report, bureau or furnisher responses, consumer behavior, and the scoring model used.
Where is your office?
Premium Credit Services is presented as a Salt Lake City service-area business. No public walk-in address was supplied, so consultations should be scheduled by phone or online.
Free consultation
Ready to understand what your reports are saying?
Tell us what is on your reports and what you want to understand. We will discuss fit, next steps, and the service terms that apply.