Challenge facts
Disputes should identify inaccurate or incomplete information and explain the supporting evidence.
The approach behind the workCredit help built on
Credit help built on
clarity and education.
Premium Credit Services helps consumers understand their reports, challenge supported inaccuracies, and build habits for the financial decisions that come next.
1:1Personal credit guidance
Company approach
Credit report work and practical education come together in one clear, client-focused process.
Start with the report. Finish with better habits.
Premium Credit Services specializes in helping clients improve their credit through a process informed by the Fair Credit Reporting Act.
The company prepares dispute correspondence to the major credit bureaus when charge-offs, bankruptcies, collections, outdated information, or incorrect information may be reported inaccurately. The goal is to pursue supported corrections—not to promise that accurate negative information will be removed.
Credit education is the second half of the work. Once clients understand how their reports have changed, Premium Credit Services helps them build more sustainable habits for the next stage of their credit and financial journey.
Serving Salt Lake City and listed Utah communities through scheduled phone and online consultations.
Meet the owner
Alireza Mohammadzadh
Owner
The company's stated focus is to pair FCRA-guided dispute work with credit education, helping clients understand both the information on their reports and the habits that support the journey after a dispute.
RoleOwner
Primary marketSalt Lake City, Utah
SpecialtyCredit reports, disputes & education
Public addressService-area-only business
Operating principles
Trust starts with what is not promised.
Credit services are useful when the consumer can distinguish evidence, education, business terms, and legal questions. These principles keep that boundary visible.
Respect accuracy
Accurate, current negative information is not represented as automatically removable.
Teach the next step
Payment, utilization, monitoring, and application habits remain important after correspondence is sent.
Refer out honestly
Legal, tax, bankruptcy, and regulated debt-program questions belong with appropriately qualified professionals.
Client-first transparency
Know what to expect before services begin.
Premium Credit Services keeps the process grounded in written terms, realistic expectations, privacy-conscious intake, and clear professional boundaries.
- Written service terms
Your agreement confirms the plan, deliverables, payment timing, cancellation rights, and disclosures that apply.
- Realistic expectations
No score increase, deletion, approval, or completion date is guaranteed.
- Privacy-conscious intake
The public form collects initial contact information; sensitive credit documents should use the approved secure method.
- Clear professional boundaries
Legal, tax, bankruptcy, and regulated debt-program questions are referred to appropriately qualified professionals.
Free consultation
Start with the facts in your reports.
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.