Best Credit Repair Companies in Wyoming (2026)
Wyoming has a small local credit repair market, but there are two Cheyenne-based companies with current first-party websites and clear credit repair services.
Their pricing models are very different. Zinu Credit Repair builds pricing after reviewing the client’s credit reports, while Credit Rx America charges only after individual items are corrected or deleted.
Wyoming does not have a separate state registration or bond requirement solely for ordinary credit repair. Federal credit repair rules still apply, along with Wyoming’s general consumer protection law.
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Zinu Credit Repair
Zinu Credit Repair operates from 109 East 17th Street in Cheyenne and provides credit report disputes across Equifax, Experian, and TransUnion.
The process starts with a free 10-minute credit analysis. A specialist reviews the client’s credit reports and discusses negative information that may have a legitimate basis for dispute.
Zinu then works on information the client identifies as inaccurate, outdated, or unverifiable. Its current services include credit bureau disputes, direct creditor communication, assistance with questionable hard inquiries, credit score analysis, monitoring, and letters concerning unwanted collection contact.
The company says clients receive a dedicated specialist and copies of the correspondence connected to their case.
Zinu does not publish one standard price on its website. Instead, the company discusses pricing after it reviews the client’s credit situation. It states that no payment is due upfront and that clients are billed after work begins.
The website also says there is no long-term contract and clients can cancel the service.
Zinu makes an important distinction about results. It states that accurate, current, and verifiable negative information cannot be removed simply because it hurts a credit score, and it does not guarantee a specific credit score increase.
The company lists 800-400-9468 and 109 East 17th Street, Suite 63, Cheyenne, Wyoming 82001.
Credit Rx America
Credit Rx America is a Wyoming LLC headquartered at 75 East 3rd Street in Cheyenne.
The company uses a pay-for-results model instead of a standard monthly credit repair subscription.
Its current individual price is $99 for each qualifying item that is corrected or deleted from each credit bureau file. Consumers who sign up with a spouse can receive a price of $89 per deletion.
Credit Rx America also lists inquiry removal at $50 for each qualifying inquiry removed from each credit bureau.
The pricing is calculated per item and per credit bureau. If one account is removed from all three credit bureaus, the company counts that as three deletions.
Credit Rx America says it charges after the correction or deletion occurs rather than before the work is performed.
Its service covers disputes involving inaccurate, untimely, or unverifiable information such as collections, charge-offs, repossessions, medical bills, late payments, foreclosures, bankruptcies, and judgments.
The company says clients must maintain access to refreshed three-credit-bureau reports during the service so it can track changes.
Its standard agreement starts with a six-month term. The company says the actual time needed depends on the number and type of disputed accounts.
Credit Rx America’s current agreement provides a five-day cancellation period at the start of the contract. After that initial period, its agreement calls for written notice to end ongoing service and contains additional cancellation terms. Read those provisions before signing because they are more detailed than a simple month-to-month cancellation policy.
The company lists 75 East 3rd Street, Suite 7, Cheyenne, Wyoming 82001.
How to Choose a Credit Repair Company in Wyoming
With only a small local market, Wyoming consumers should compare local companies with national providers rather than choosing based only on location.
Start with the pricing model.
Zinu does not publish a fixed public price and provides a quote after reviewing the client’s credit situation. Credit Rx America charges by successful correction or deletion, so the final cost depends on the number of items and credit bureaus involved.
Pay-per-delete pricing deserves careful math. One account removed from three credit bureaus can count as three billable deletions. Ask for an estimate based on your actual credit reports before you agree to the service.
Also compare what happens between dispute rounds. Ask whether the company communicates directly with creditors, provides copies of correspondence, monitors all three credit reports, and gives you access to a dedicated specialist.
Contract terms matter too. A company with no long-term commitment may appeal to someone who wants flexibility. A longer agreement may still make sense if the pricing and cancellation terms are clear.
Finally, avoid any company that promises to erase accurate negative information or guarantees a specific credit score increase.
Wyoming Credit Repair Laws
Wyoming does not have a separate credit services organization law that requires ordinary credit repair companies to obtain a dedicated state license, register as credit repair businesses, or maintain a credit repair surety bond.
Covered companies still have to follow the federal Credit Repair Organizations Act. Federal law requires written disclosures and contracts, prohibits deceptive claims, restricts payment before promised credit repair services have been completed, and gives consumers a three-business-day cancellation right.
A company can voluntarily provide a longer cancellation period. Credit Rx America’s current contract, for example, provides five days at the beginning of the agreement.
Wyoming’s Consumer Protection Act also prohibits unfair or deceptive practices in consumer transactions.
That means the absence of a separate Wyoming credit repair license does not give a company permission to misrepresent its services, pricing, or expected results.
How We Evaluated Credit Repair Companies in Wyoming
We looked for companies with a current first-party website, clear credit repair or credit restoration services, current contact information, and a supportable Wyoming presence.
We also reviewed pricing when published, payment timing, contract terms, dispute services, credit monitoring, cancellation policies, and statements about expected results.
Zinu Credit Repair remained on the page because its current website continues to support its Cheyenne location and active credit repair services.
Credit Rx America was added because it has a current Cheyenne headquarters, active credit repair services, and detailed first-party information about its pricing and contract structure.
We did not add businesses based only on directories, business listings, or registered-agent addresses without enough current first-party evidence of actual credit repair services.
Frequently Asked Questions
Yes. We found two Wyoming-based companies with current first-party websites and clear credit repair services: Zinu Credit Repair and Credit Rx America, both in Cheyenne.
Wyoming residents can also compare national credit repair companies that serve the state.
Wyoming does not have a separate state license that applies solely because a business provides ordinary credit repair services.
Federal credit repair law and Wyoming’s general consumer protection law still apply.
Pricing depends on the company.
Zinu Credit Repair provides pricing after reviewing the client’s credit situation. Credit Rx America currently charges $99 per qualifying deletion per credit bureau, or $89 with its spouse discount.
It depends on how many accounts and credit bureaus are involved.
A pay-per-delete plan may cost less for a small number of corrections. Costs can rise when several accounts appear across all three credit bureaus.
Compare an estimated total rather than looking only at the price per deletion.
Yes. You have the right to dispute inaccurate credit report information directly with the credit bureaus at no charge.
A credit repair company performs some of that work for you, but it does not receive special rights that consumers lack.
Wyoming generally provides 10 years for an action based on a written contract, agreement, or promise.
Other types of obligations can have different deadlines. The deadline for a creditor to file a lawsuit is separate from the period that information may remain on a credit report.