Is credit repair just disputing or do we need to build credit also?

It’s true disputing credit report factual inaccuracies is the cornerstone of credit repair. Getting rid of the inaccurate junk on...

Top 11 items we disagree with Dave Ramsey, and even if we disagree we don’t think he’s wrong!

First, let me say that we think Dave Ramsey is an American Treasure and if you follow his advice you...

Does bad credit affect your life insurance premiums in Utah?

Bad credit affects a lot of things it makes renting a home harder, obtaining a loan, getting credit cards, and...

The most important reason to get credit repair, that’s right to buy a home!

Let’s face it why should someone even want to repair their credit? Does anybody usually need more high-interest credit cards?...

What is a tradeline and how do they help my credit score improve?

First, we should start with the obvious, buying a tradeline or being an authorized user does not bring permanent holistic...

Is a credit sweep the best method for aggressive credit repair?

Listen, we all want aggressive credit repair and we want it done fast. Who would not like to see an...

Baby Step 1 (emergency fund) and how to make it happen easily!

Dave Ramsey is famous in the personal finance world. We feel so many of his tips should be followed before...

Should I use a CPN number to start a new credit profile?

You are probably asking what is a CPN number? A CPN number stand for credit privacy number. Their main purpose...

My medical bills are out of control what can I do?

We at Wasatch Smart Finance are not fond of the medical industry, nor are we fond of medical billing practices....

How should I respond to debt collectors that are not licensed in Utah?

Does a debt collector need a license for your state? Find out what to tell them if they don't have one! Call Wasatch Smart Finance Phone: 385-217-5552