If Knight Adjustment Bureau is listed on your credit report, it likely means you have an unpaid debt that has been turned over to collections. Here’s what that means for your credit—and how to work toward getting it removed.
Who Is Knight Adjustment Bureau?
Knight Adjustment Bureau is a debt collection agency based in Salt Lake City, Utah. They work with businesses to collect unpaid debts when the original creditor has been unsuccessful in recovering the balance.
If your account has been assigned to Knight Adjustment Bureau, it may appear as a collection account on your credit report.
Who Does Knight Adjustment Bureau Collect For?
Knight Adjustment Bureau works with various creditors, including:
- Student loan providers
- Financial institutions such as Mountain America Credit Union
If you’ve fallen behind on payments with one of these organizations, Knight Adjustment Bureau may be trying to collect the debt.
Is Knight Adjustment Bureau a Scam?
Knight Adjustment Bureau is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. That said, always verify the debt before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Knight Adjustment Bureau From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask Knight Adjustment Bureau to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get this agreement in writing.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Knight Adjustment Bureau?
Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people prefer to work with credit repair professionals to avoid mistakes when dealing with collection agencies.
Can Knight Adjustment Bureau Sue or Garnish Wages?
Debt collectors like Knight Adjustment Bureau can sue to recover unpaid debts. If they win a court judgment, they may be able to garnish wages or levy bank accounts, depending on your state’s laws.
That said, legal action is typically a last resort. Most collection agencies try to resolve debts through payment plans or settlements before pursuing lawsuits.
Knight Adjustment Bureau Contact Information
Address:
Knight Adjustment Bureau
5525 S 900 E, Suite 215
Salt Lake City, UT 84117
Phone: (801) 531-7251 or (800) 748-4113
Complaints About Knight Adjustment Bureau
Many collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Knight Adjustment Bureau Collections
Dealing with collection accounts can be stressful, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
