Utah Credit Reporting: Fix Your Score, Protect Your Future

Don’t Let a Reporting Error Stand Between You and Your Next Home

In Utah’s fast-moving real estate market—from the Silicon Slopes of Lehi to the growing communities in St. George—your credit score is your most valuable financial asset. A single error by a major bureau like Equifax, Experian, or TransUnion can result in a denied mortgage, a higher interest rate on a car loan, or even the loss of a job opportunity.

At Cannon Legal PLLC, we help Utahns take control of their credit. We specialize in holding credit bureaus and “furnishers” (the banks and collectors who provide the data) accountable under the Fair Credit Reporting Act (FCRA).

Your Rights Under the FCRA (2026 Updates)

As of January 1, 2026, federal and state regulations have updated several key consumer protections. You have the right to:

  • Weekly Free Credit Reports: You are still entitled to a free report every week from the three major bureaus via AnnualCreditReport.com.

  • Accuracy: Bureaus are legally required to maintain “reasonable procedures” to ensure maximum possible accuracy.

  • The 30-Day Investigation: Once you formally dispute an error, the bureau typically has 30 days to investigate and correct or delete the item.

  • Privacy: Under the Utah Consumer Credit Protection Act, you have specific rights regarding security freezes and the protection of your personal information from unauthorized access.

Our Fee Structure: Justice on Your Side

We believe that your financial situation shouldn’t prevent you from seeking justice.

Contingency Fee Representation: We generally handle FCRA litigation on a contingency basis. This means you pay no attorney’s fees unless we recover money for you. If we win, the law often requires the credit bureau or furnisher to pay your legal fees and costs, plus damages for the harm caused to your credit reputation.

Frequently Asked Questions regarding Credit Reporting

FCRA Litigation: We Hold Them Accountable

Stop the damage today. Let our experienced Utah FCRA attorneys review your report and build a plan to restore your financial integrity.

Call us today at (800) 890-8585