Credit Repair in Utah

Are you fed up with struggling with a less-than-perfect credit score? If you happen to live in the Beehive State, we can help — we’ve prepared a list of the best firms for credit repair Utah has to offer. Any of these outfits can assist you with your credit score issues, ultimately enabling a better lifestyle. We’ve also prepared a summary of the key laws for credit repair in the state, so join us for the ride.

Leading Credit Repair Companies in Utah

Lexington Law Logo

Lexington Law

Trusted attorneys helping to fix your credit

This Utah-headquartered company has been in business since 2004 and is the largest among the credit repair law firms in the US. The team’s vast experience—including the removal of over 50 million negative items from credit reports in nearly two decades—ensures that pretty much all your credit repair needs are fulfilled across its three payment plans.

  • Dispute letters: Yes
  • Score analysis: Yes 
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: Yes
  • Starting Price: $89.85 (initial work fee applies)
CreditRepair.com Logo

CreditRepair.com

Credit doesn't have to be confusing.

Utah-based CreditRepair.com has been in the industry since 2012 and has helped clients with nearly 20 million challenges and disputes. The firm is also a prominent name among companies offering Arizona credit repair services and is known for its affordably priced plans, highly-rated mobile app, and strong credit education focus.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: Yes
  • Starting Price: $69.95 (first-work fee), $69.95 (monthly)

 

The Credit People Logo

The Credit People

Better credit, easier.

The Credit People is a Utah-based firm with over two decades of industry experience and teams offering credit repair services in a host of states. Its flagship feature is its straightforward, affordable pricing plan that includes unlimited disputes, a money-back guarantee, and many other helpful features.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $19 (setup), $79 (monthly)

 

Premier Credit Consulting Logo

Premier Credit Consulting

The Impact of Healthy Credit...

The 10-year-old Premier Credit Consulting is a Utah-based credit repair company. The team has helped over 10,000 clients repair and build their credit and is known for its comprehensive payment plan and personalized strategies.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $199 (setup fee), $109.99 (monthly)

Utah Credit Repair Laws

As is the case with credit repair services elsewhere in the States, credit repair companies in Utah are governed by both federal and local rules. What follows is a summary of the Utah Credit Services Organizations Act, that will get you up to speed with your rights as a consumer in the Beehive State.

Definition

A credit services organization in Utah is an entity that represents itself as a debt professional or credit counselor or sells, provides, or performs any of the following services:

These rules don’t apply in certain cases, for example, for a credit repair attorney in Utah that provides such services in the course of their work.

Registration and Surety

Companies providing credit repair services in Utah must register with the state’s Division of Consumer Protection, Utah Department of Commerce. The application must contain:

Firms must also obtain a bond, letter of credit, or certificate of deposit worth $100,000. There is no requirement for a statewide Utah credit repair license, but some cities and counties may ask companies to obtain one to operate within their borders.

Information Statement

A company providing credit repair in Utah must provide its customers an information statement with the following:

The firm must maintain on file for two years a signed copy of the statement.

Contract

Contracts between Utah credit repair companies and their clients should feature:

Prohibitions and Restrictions

Companies providing credit repair in Utah cannot:

Moreover, Utah credit repair firms or their representatives cannot:

Waivers and Exemptions

Relief to Consumers

Reviews of Top Utah Credit Repair Companies

Lexington Law

Pros:

Cons:

Lexington Law is among the most experienced credit repair firms in the US, having been in the industry for nearly three decades. Local offices spread across most US states also add to the firm’s credentials. Of course, given that the firm is headquartered in North Salt Lake, all this experience is likely to prove particularly beneficial for residents looking for the best credit repair in Utah.

The firm’s basic plan, Concord Standard, costs $89.95/month and includes just bureau challenges and creditor interventions for people with minor issues with their credit reports. The higher-tier plans, Concord Premier and PremierPlus, at monthly fees of $109.95 and $129.95, respectively, get you extras such as inquiry assistance, credit monitoring, identity protection, and personal finance tools.

The break-up of services across the three plans is well-tailored for specific customer needs. While the cost of these plans may be on the higher side for credit repair services in Utah, the extra expense is justifiable. With these plans, you get Lexington Law’s proven dispute strategies, top-quality customer service, and a handy mobile app. This firm is also a good idea if you need the help of a credit repair lawyer in Utah.

The one noteworthy negative with Lexington Law is the ongoing lawsuit by the Consumer Financial Protection Bureau alleging deceptive marketing practices. The suit is also partially responsible for the firm’s low ratings. However, this just requires a bit of caution in understanding the firm’s deliverables when signing a contract. Otherwise, Utah’s credit repair customers should not be worried about the overall service quality they’ll get from Lexington Law.

CreditRepair.com

Pros:

Cons:

CreditRepair.com, which shares its parent company with Lexington Law, has also been involved in the CFPB lawsuit mentioned above. However, the firm does not have the experience that Lexington Law does and, thus, seems to have suffered a greater dent in its reputation. At the same time, much like the more experienced firm, CreditRepair.com remains among the better Utah credit repair services.

CreditRepair.com’s three packages at $69.95, $99.95, and $119.95 are on par with the typical fee charged by a credit repair agency in Utah. The plans are also reasonably well-designed, offering features like inquiry assists and more challenges with increasing cost.

CreditRepair.com is also known for its simple process designed for ease of understanding. Involving three steps—Check, Challenge, and Change—the overall process doesn’t unnecessarily complicate matters, unlike many other Utah credit repair companies.

Customers can benefit significantly from the firm’s education focus, helping them maintain strong long-term credit. Also helpful, if not critical, is the well-designed mobile app that simplifies communicating with the team, tracking cases, and accessing other resources.

Apart from the lawsuit mentioned above, a couple of other aspects are likely to give potential customers a cause for concern. CreditRepair.com has a particularly low BBB rating, despite being one of the firms providing the best credit repair in Utah. Its website also has little information on its team members, which is generally not seen with top-rated credit repair firms.

The Credit People

Pros:

Cons:

The two traits that stand out for The Credit People are its extensive industry experience and affordable pricing. The firm’s history of over two decades counts for a lot in the credit repair industry, where experience matters a lot. Plus, its payment plan with an initial fee of just $19 and a monthly fee of $79 makes it one of the most affordable for credit repair in Utah.

The Credit People also offers a six-month package, which has the same features as the monthly plan. You just pay a one-time fee of $419 for overall savings of $74. Despite these savings, we would recommend opting for the monthly fee as it keeps you from being tied to one firm for a long time.

Apart from the different rates, the monthly and the six-month plans are identical, providing you with unlimited disputes, credit monitoring, debt validation, and several other helpful services you won’t get at these rates with other credit repair companies in Utah. To make its plan even more attractive, the firm offers a no-risk money-back guarantee, a well-designed user portal, and credit-related education.

While we like the affordable and comprehensive nature of the package, the absence of choice can put off some customers because those with simple credit report issues will end up paying for services they don’t require. The other matter of concern is that The Credit People has a poor BBB rating. Moreover, unlike some other Utah credit repair services, it doesn’t have sufficient positive customer reviews to make up for the low ratings, either.

Premier Credit Consulting

Pros:

Cons:

If you are looking for a smaller credit repair company in Utah where you can get personal attention and customized solutions, Premier Credit Consulting is the best option for you. Thanks to its comprehensive and efficient services, this decade-old firm has made quite a name for itself among the top Utah credit repair outfits.

The firm offers a single payment plan, which always presents an issue for customers looking for a choice. Given the costly fees, it feels even more like the firm is charging many customers for services they won’t need. You can indeed find cheaper, high-quality options if you don’t want to pay the firm’s setup fee of $199 and a monthly fee of $109.99.

However, this may turn out to be a good deal for customers looking for extras like score tracking, goodwill interventions, money management, and more. Most credit repair companies in Utah do not offer these services or charge extra for them. Premier Credit also lists credit monitoring as an add-on, but it’s unclear if it charges extra for it. We also like the range of free resources provided on its website, which support the firm’s claim of assisting customers in building their long-term credit.

Some of the firm’s negatives are those often seen with smaller firms. For instance, it does not have many customer reviews that can provide a good picture of its service quality. Other than that, there’s the firm’s poor BBB rating and the lack of a refund policy.

The Bottom Line

For customers looking for quality credit repair in Utah, the options range from some of the largest firms in the business to small, local providers. No matter which of the firms listed here you go with, you can rely on an efficient restoration process. We have taken care of the first few steps in your journey toward healthier credit. Now, it’s up to you to pick out the best option for your needs and you’ll be all set.