Utah, the Beehive State, is home to 3.2 million people. The average VantageScore for the state was 683. If you’re out to gain more credit points, there is the option of hiring credit repair companies in Utah.
Now, these companies are not mandatory. The law empowers you to challenge mistakes or unfair entries. It’s simply a matter of convenience.
The companies also double as credit counseling entities. Customers work one-on-one with credit advisors and qualify for extra features such as rebuilding guidance, ID protection, score updates, etc.
With the understanding that not all companies are good, you may be searching for the best credit repair service in Utah. You’re in good luck. Utah is home to the largest repair brands, which serve millions of customers.
The reputation tells us whether customers can trust the brand to deliver on its core mandate.
Our experts analyze metrics about the number of disputes filed and consider the complaints brought by customers.
We check if the brands have modern websites, functional user portals, and mobile apps.
Our experts consider whether the firm offers creditor interventions, debt validation, report tracking, etc.
The firm should not be charging above industry rates, and packages must be affordable for all customers.
Our experts curated companies that call Utah home and nationally recognized brands as well. Results matter and our selected companies have proven track records. So, here are some reputable options to consider:
It’s the largest repair brand nationally, serving about half a million customers at any given time. They maintain various law offices. Their Utah office is the hub of the company. It’s under the helm of John Heath who has served as the company’s Director Attorney since 2004. He is assisted by Cynthia Thaxton, Utah’s assistant managing attorney.
Packages are priced at $89.95 – $129.95, and they offer occasional discounts on the first month’s work fee. They are an affordable choice for credit repair lawyers in Utah.
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If you’re searching for credit repair in Utah from a locally-based firm, The Credit People is a safe bet. Their main corporate offices are in Cotton Heights, Utah.
All customers pay one price at $79 per month. They have the lowest setup fee in the industry at $19. Customers can also pay about $74 per month by choosing their 6-month flat-rate pricing. It’s backed with a satisfaction guarantee. So, if there have been no removals, it’s possible to file a refund request.
Read More:The Credit People Review
With a market experience of 17 years, the brand holds a prominent position of trust in the industry. It has one of the most friendly consumer advisors and customer representatives. The firm maintains accreditation from the Better Business Bureau with an “A” trust score — a feat that many repair brands have not been able to replicate. Its packages are priced at about $80-$120.
Read More:Credit Saint Review
Under the capable guidance of Jason M. Kaplan, a prominent credit education advocate, The Credit Pros has built a business centered on uplifting the people. That’s why each client gets to work with FICO-certified consultants.
The firm often describes itself as a “technology company” and provides an app with personal finance management features. Pricing options range from $69 – $149 per month. They operate from Palm Beach, Florida.
Read More:The Credit Pros Review
It’s one of the credit repair agencies in Utah oriented towards local customers. Occasionally, they serve clients from other states. Customers get to work directly with Lorin, a mortgage loan officer with over 20 years of experience.
While the company has an A+ rating on BBB.org, they are not currently accredited as their website claims. Singles pay $59 per month and couples are charged $98 per month, with discounts offered to teachers, military, and police members.
Premier Credit advocates for better credit health, and it’s one of the best credit repair companies in Utah. There’s an initial work fee of $199, with a recurring monthly cost of $109.99. The package includes everything needed for a comfortable repair experience, including score tracking, credit report updates, creditor negotiations, and debt validation if required.
Learn more about how they repair credit scores by listening to their podcast, joining the company’s newsletter, or reading articles on their site.
Do you need a quick rundown of how credit repair specialists fix credit mistakes? The process starts with a review of credit reports in order to identify unverifiable information. It may be a strange account or a mistake a creditor may have made.
For the next step, the trusted credit repair company should prepare custom disputes. It entails writing and mailing letters to the three CRAs, and information furnishers responsible for the inaccuracy.
Reporting agencies such as Experian take approximately 30 days to conduct a reinvestigation. They respond by issuing newly updated reports or stating the reason why the request was denied. It’s vital to supply documentation in order to support challenges.
Beware of services or “gurus” promising hidden techniques or promoting illegal tactics such as applying for a new employer identification number. The best credit repair company in Utah is the one that uses all legal channels and avoids scammy practices. Checking reviews of a company in interest is also a good way to confirm its credibility, customer support quality, and performance.
Yes, it’s legal to offer credit fixing services in Utah. Repair organizations must register with the Division of Consumer Protection and follow provisions of the Credit Repair Organizations Act passed in 1996 to protect consumer interests.
Monthly packages from the top companies operating in Utah range from $69 to $149 per month. Subscribing for a longer time means paying more. The initial startup costs should also be factored into the cost calculation.
The average client signs up for professional credit fixing services for about three to six months. It may take less time if there are few errors to correct.