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AAA Fair Credit Foundation

(18 Reviews)

230 W 200 S Ste 3104, Salt Lake City, UT 84101

(800) 351-4195

Today: Closed
Tomorrow: Closed
BBB Accredited businesses follow the BBB Code of Business Practices and pay a fee for accreditation review and monitoring. Accreditation is not a BBB endorsement or evaluation of the business’ product quality or competency in performing services.

BBB Rating and Accreditation information may be delayed up to a week.
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General Info

Fair Credit Foundation is an award-winning, nonprofit community service agency which helps individuals and families build strong financial futures through a wide range of personal financial programs and services. Since 1997, we have assisted individuals all across the country in overcoming obstacles and achieving their financial goals.

We are committed to providing the highest quality of services to the communities we serve. Our services to the communiy have been recognized through multiple channels: 

  • Maintained ISO 9001:2008 certification through BSI Americas since 2001
  • HUD approved housing counseling agency since 2009
  • 2004 Utah Best of State award winner in the Financial Planning Services category
  • 2006 United Way of Salt Lake’s President’s Award for Excellence
  • 2011, 2009, & 2008 Alfred P. Sloan Award for Business Excellence in Workplace Flexibility
  • Ranked #1 in credit counseling services nationwide in 2009 by
  • Maintain an A+ rating with the Better Business Bureau.
  • Preston Cochrane, President and CEO of AAA Fair Credit Foundation, received the 2010 Ernst & Young Entrepreneur Of The Year Award in the social entrepreneurship category.
BBB Rating
BBB Rating and Accreditation information may be delayed up to a week.
BBB Accredited businesses follow the BBB Code of Business Practices and pay a fee for accreditation review and monitoring. Accreditation is not a BBB endorsement or evaluation of the business’ product quality or competency in performing services.

BBB Rating and Accreditation information may be delayed up to a week.

Regular Hours

Sat - SunClosed

Extra Phones

Phone: (801) 483-0999

TollFree: (800) 351-4195

Fair Credit Foundation's headquarter offices are in the Royal Wood Office Plaza, located in the heart of Salt Lake City, UT.
Rio Grande, Downtown Salt Lake City
English, Spanish, Vietnamese

Assoc Credit Counseling Profs

Better Business Bureau


Salt Lake Chamber of Commerce

United Way of Salt Lake

United Way of Utah County

Utah Hispanic Chamber

Utah Nonprofits Association

Credit & Debt Counseling, Reverse Mortgages
Other Information

Parking: Lot


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Bill C.



AAA Fair Credit has been an answer to my wife's and my prayers. We started with $167,000 in consumer debt. Yep $167 LARGE. Those that have not yet picked up the phone and called these people because you felt there was no light at the end of the tunnel, DO IT!!!! It took us about 4 and a half years but it is gone, finito, outta-here. Like all of the other reviews these folks are not going to scam you. Their compassion is real, they care. Don't wait another week. The lottery is not coming to save you. Save yourself. Make the call!!!!

David W.



AAA Fair Credit Foundation is very professional and is a power house in the debt management industry. I had $54,000 of revolving credit in 5 accounts and lost my job. They successfully negotiated rates that provided me a manageable solution without defaulting on any of the accounts. I have successfully repaid all accounts over the last three years without detriment to my credit...

I would recommend them to all that require a debt management solution...

Hannah B.



AAA FCF has been a life saver. We were at the end of our ropes and didn't know how we were going to survive. They took over and got all of our interest rates down. We have paid $18,000 off :)

I would recommend them to anyone.

John L.



Very helpful and pleasant to work with. The people at AAA FCF really helped me get things taken care of and straightened out. :)

Lito G.



Thank you AAA! No bull, no scams, no high cost for set up or monthly, and no screwing up your credit while you are in their plan. Richard and a nice lady was great help. I paid off 48K in less than 5 years, lowered all of the interest rate down to the 6-7%, saving thousands. Combined my payments, set up a auto pay coming out of my bank account. If I needed to adjust the date, a simple call is all it took. Nothing to it, once I signed up, it was all set up. Very reputable company that truly wants to help people become control with their finance, and educate to stay out of debt.

Great company !!!

Thank you to AAA for helping me out and saving me from a lifetime of debt ! I just finished paying off over $32,000 worth of debt in 5 years and I couldn't be happier. They took the reigns and took care off all my

Monthly payments. Their customer care department was excellent including Richard Jaggi who would give me updates on my progress. This is a huge weight lifted off my shoulders and I would recommend this company to anyone. Thank you AAA !!!



It took me five years but duri...

It took me five years but during that time we consolidated my old bills including credit cards and I had almost no interest and I paid off about $17,000!



OMG!!!! i just finished my pla...

OMG!!!! i just finished my plan and after almost 5 years i just found out i paid off almost $27,000.00!!! It is a huge relief for me and my family to have that gone.

The company is WONDERFUL to work with! Always willing to help you adjust anything that you need.

I recommend this to everyone that is struggeling with their debt problems.



This is probably one of the be...

This is probably one of the best debt counseling agencies you will ever find. Their associates are beyond helpful, polite, and just plain friendly. They treat you like a real person, not just a customer or an account number. They work with you if you need to move payment dates around or if you're having trouble contacting a credit card company. A few times in the time I used their plan, I got phone calls just checking to see how I was and if there was anything they could help me with. When you're finished with their plan, they even offer ways to help manage your finances in the future. An A+ company for sure!



Restored My Dignity and Budget

When I came to your office I was embarassed and desperate with my finances totally out of control. Your staff members treated me with respect and developed a plan immediately that I could live with easily. In addition, I received help with budgeting and saving, things that I had been very haphazard about. I can't thank you enough and give you the highest of recommendations!



They Saved My Life (and my credit)

One day I woke up and realized I was completely underwater financially. I didn't see it coming. Credit card companies sent me card after card after card. I didn't understand how quickly it could (and did) get out of hand. The depression and fear were overwhelming when I realized that I would be an 80 year old man before I paid off the debt I had incurred in my 20's & 30's. It took several hard and lean years, but AAA Fair Credit helped me pay off my debt without filing bankruptcy. I'm in great financial shape today. Not only do I have $0 credit card debt, but with their advice I was also able to pay off my vehicle loan. The only debt I have today is my home mortgage. I'm so glad I went to AAA Fair Credit Foundation.



AAA Fair Credit Foundation

I was about $20,000.00 in Credit Card Bills when I started with this Company and Now after 5 years No More Bills from Credit Cards It Works if you stay at it!!!!!!!!




AAA Fair Credit helped me solve my credit problems. They worked with me and my creditors to create realistic solutions to my financial difficulties.



Wonderfull Program

I love this program it help me get out a debt with a low monthly payments and my interest was reduce. Thanks alot AAA Fair Credit Foundation.



I had 5 cards maxed out - now they are paid off!

In 2004, I turned to AAA Fair Credit because I had over $25000 in credit cards. I had gone over the limit on a couple and was getting my rates jacked to anywhere from 19.9% to 29.9% even though I kept making payments. I seriously thought about bankruptcy but that would have destroyed my credit for many years. I had a FICO of 613 when I called and they spoke to me for about 45 minutes the first time. They were very sympathetic (I made a poor investment during the DOT COMs by borrowing money and lost most of it)... They negotiated rates for me from 0%-9.9% and I went into a payment program that was very close to what my actual minimum payments were. Except this time, I was paying principal on the cc's and in some cases the WHOLE payment to a card was principal. They were very good. They worked with me to build a budget and determine what I could afford to pay on each one. Slowly but surely, I paid off all the cards -- just completing my last payment two months ago. Now I have no credit card debt, own a house, have one car paid off, and have an 806 FICO score. These guys were a part of the solution... they are not scammers... and their monthly maintenance fee was a fraction of what I was saving in interest each month. When I finished paying the principal on one of my cards, they cc company wrote off over $2000 in interest! That is what I would have had to pay if I wasn't a part of this program... And that was just ONE card! If you are struggling and not sure which company you can trust, call these guys.




I recently entered into an agreement with AA Fair Credit. I have been satisfied beyond a reasonable expectation, as it relates to their customer service. All their associates have been sensitive and considerate as it relates to our financial situation. They have been sympathetic and technically instructive in efforts to resolve our situation.

I highly recommend their services to anyone who is considering alternative solutions to their difficult financial situations.



Don't think twice, call AAA

I was beyond my beaking point, when I finally called AAA. I wasn't even living from paycheck to paycheck. I wouldn't answer my phone, because of the creditors calling me 2 to 3 times a day each. I swear.

I saw an ad, and thought. I have nothing more to lose at this point.

The counsler was awesome. She spent at least 15 minutes, just listening and resuring me it will all be ok. before even asking me anything about my accounts. She never made commints like,"how did you allow yourself to get in this position?" or anything like that. And that's what I didn't need to hear.By the end of the phone call, I felt like I just lost a huge mountain off me.

within a few days, my phone didn't ring at all. I had to pick it up a couple of times to make sure it to wasn't disconnected.

AAA took care of the everything. Now that the credit cards and medical bills are paid off. It is so nice. If I ever get in a situation close to where I was, I would think twice calling AAA again.

I tell my family and friends about them. I tell everyone who is in a bind to contact AAA. There is no need to stress and lose sleep, when they're right there.

Thanks So Much AAA fair credit,

Connie Vandehey


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