Credit Services Calibrated for Buyers

Pick the lever your file needs. Most Prime 1 Credit Repair clients use two of the four below, sequenced over 30 to 90 days. Each service has its own page with the full process, pricing, and FAQs.

UTAH DISPUTE WORK

Credit Report Repair

Utah-owned credit report repair that disputes inaccurate, outdated, and unverifiable items so Salt Lake County buyers can qualify for the loan they actually need.

✓Owner Debra Bigler personally manages your case from start to finish

✓One-time fee instead of an open-ended monthly billing model

✓Real Utah office in Lehi, not an out-of-state call center

✓Plain-language explanations of what we are disputing and why

Learn more about Credit Report Repair

WASATCH FRONT GUIDANCE

Credit Counseling

One-on-one credit counseling that translates your bureau reports into plain English and turns the chaos into a written plan you can actually follow.

✓You finally understand what every line on your report does to your score

✓A written plan replaces uncertainty with a clear sequence of moves

✓You stop spending money on tactics that hurt the score

✓Mortgage timelines become realistic instead of stressful

Learn more about Credit Counseling

UTAH BUILDER PLAYBOOK

Credit Report Building

Help for Utah residents with thin or no credit history, including which secured cards, installment lines, and reporting strategies actually move scores quickly.

✓Honest advice from a Utah owner with no kickbacks from issuers

✓A sequenced plan that matches Utah underwriting standards

✓Real talk on which secured cards and credit-builder loans actually report

✓Coaching on utilization, payment timing, and inquiry pacing

Learn more about Credit Report Building

UTAH FICO LEVERS

FICO Score Boost

Targeted FICO score boost work for Utah buyers under contract, including utilization timing, dispute leverage, and rapid rescore prep that lenders actually accept.

✓Sequencing that respects your closing date, not a generic 90-day plan

✓Direct broker coordination so payments and disputes update on time

✓Honest yes/no on whether the gap is closeable in your window

✓Owner-run case management with no handoffs to junior staff

Learn more about FICO Score Boost

How They Fit Together

A Real Engagement Usually Combines Two

Mortgage Closing Coming Up

FICO score boost + credit report repair. Targeted disputes against the highest-impact items, plus utilization timing to land the next bureau pull stronger.

Thin File, New To Credit

Credit report building + credit counseling. Open the right secured cards and credit-builder loans in the right order, with a written plan you can follow for 12 to 18 months.

Damaged File, No Rush

Credit report repair + credit counseling. Clean up the disputable items first, then learn the habits that keep the file clean long-term.

Post-Bankruptcy Rebuild

Credit report building + FICO score boost. Layer in positive accounts that report to all three bureaus, then sequence the final push before the next big application.

Not Sure Which Service Fits?

The free phone consultation maps your file to the right work. There is no fee for the call.

Schedule an Appointment Call (801) 623-1566