What does UTAH BILLING & RECOVER mean on my credit report?
Learn about UTAH BILLING & RECOVER, an collections agency offering loans for financial assistance. Check the impact to your credit report and financial status.
What is UTAH BILLING & RECOVER?
UTAH BILLING & RECOVER is shorthand for Utah Billing & Recovery Services, with the company name being Utah Billing & Recovery Services Inc
Utah Billing and Recovery Services and Evergreen Account Management are an all-inclusive accounting receivables package, and our entire staff consists of a group of highly experienced individuals who each have over 20 years of billing and account management experience. Every member of our team brings unique skills and a bigger understanding of what works and what does not. We are committed to providing the best service that you have ever had.
UTAH BILLING & RECOVER is a Collections Agency provider. They could be on your report for a number of reasons, for example:
- ⚫ You missed a repayment.
- ⚫ You opened an account with Utah Billing & Recovery Services.
- ⚫ Utah Billing & Recovery Services bought your debt and are now trying to collect on it.
- ⚫ You opened a credit card / loan / mortgage with this company.
- ⚫ Someone fraudulently opened a credit line under your name.
How do I contact them?
Here is the current contact details for Utah Billing & Recovery Services:
Address:
- 1858 W 5150 S #504, Roy, UT 84067, United States
Website:
Email:
Phone:
Payments
You can make a payment to Utah Billing and Recovery Services using a major credit/debit card, electronic check, or by calling 801-349-1165. There is no monthly payment plan offered, but payment refunds are available with no additional fees. Payments can be made online, over the phone, or using a mobile app. There are no penalties for late or missed payments. You can also make a payment using a prepaid debit card or wire transfer.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
They do not offer loan forgiveness. loan forgiveness is available for borrowers who meet certain criteria. To be eligible for loan forgiveness, borrowers must typically have made 120 qualifying payments, have federal student loans, and be working in an eligible public service job, such as a teacher, public defender, nurse, or other qualifying public service position. Borrowers may also qualify for loan forgiveness if they have not made 120 qualifying payments but have made payments over a longer period of time.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
It is possible to apply for a loan online, but not over the phone or in person. A mobile app cannot be used to apply for a loan. A cosigner is not necessary.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | No |
| Can I apply for a loan using a mobile app? | No |
| Can I apply for a loan with a cosigner? | No |
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
What is a Collections Agency?
Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.
How do I remove UTAH BILLING & RECOVER from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.