Credit Repair in Orem, Utah: What to Know Before You Hire

Whether you're trying to buy a home in Utah County, refinance a car, or just stop getting turned down for credit, you've probably seen ads for credit repair. Here's a straightforward look at how credit repair works in Utah, what to expect, and how to choose a company you can trust. We're based in Orem, so this is our home turf.

What a credit repair company actually does

Legitimate credit repair focuses on your credit reports. A credit repair company will typically:

• Pull and review your Equifax, Experian and TransUnion reports.
• Identify information that appears inaccurate, incomplete, outdated or unverifiable.
• Prepare and send disputes to the credit bureaus and creditors on your behalf.
• Track responses and follow up with additional dispute rounds.
• Coach you on habits that raise your score, like lowering credit utilization.

What credit repair can't do is legally remove accurate, current information from your report. Anyone promising that is a red flag.

Your rights under federal and Utah law

The federal Credit Repair Organizations Act (CROA) protects you when you hire a credit repair company. Under CROA, a company must:

• Give you a written contract that explains the services and total cost.
• Give you a written disclosure of your rights before you sign.
• Let you cancel within three business days without penalty (our agreement gives you five).
• Not charge you before the services are performed.

Utah also has its own Credit Services Organizations Act with additional consumer protections. And remember, you always have the right to dispute errors yourself for free.

How much does credit repair cost in Utah?

Most credit repair companies charge a monthly fee for as long as you use the service, sometimes with a first-work fee after the initial round of disputes is sent. You may also pay separately for a credit monitoring service so the company can see updated reports. Ask for the total expected cost in writing before you enroll.

How to choose a credit repair company

Questions worth asking any company in Orem, Provo, Lehi or anywhere else in Utah:

• Will you review all three credit reports?
• Who will I work with, and how often will I get updates?
• What are the total fees, and when am I charged?
• Is there a warranty or guarantee? What are its exact terms?
• What do you need from me?

Why work with a local Utah team

90 Day Credit Experts is located at 1815 S State St #400 in Orem. Our credit specialists work one-on-one with clients across Utah County and the rest of the country, reviewing all three reports, handling disputes and documentation, and keeping you updated. Our work comes with a 150-point warranty in 90 days.

If you're getting ready to buy a home here, read what credit score you need to buy a house in Utah. Or call us at 385-360-5858 Monday through Friday, 9AM–5PM MST, or request a free credit assessment.

Frequently asked questions

Is credit repair legal in Utah?

Yes. Credit repair is legal in Utah when companies follow the federal Credit Repair Organizations Act and Utah's Credit Services Organizations Act.

How long does credit repair take?

It depends on your reports. Credit bureaus generally have 30 days to respond to each dispute, so most people work with a company for several months.

Can I repair my credit myself?

Yes. You can dispute errors directly with the credit bureaus for free. Many people hire a company to save time and handle follow-up.

Where is 90 Day Credit Experts located?

Our office is at 1815 S State St #400, Orem, UT 84097. We're open Monday through Friday, 9AM to 5PM MST.