Credit Counseling
Our scope of practice
Through a generous partnership with Credit.com, the Financial Wellness Center offers free, in-person credit counseling to University of Utah students. In these private sessions, students receive personalized education on credit scores, credit reports, credit repair, and strategies to improve their credit. You'll review your credit report, understand what’s impacting your score, and get actionable tips. Students also have access to ongoing support for up to a year—at no cost—no matter where they are in their credit journey.
This service will help students no matter where they are on their credit journey. This free service is offered with a generous ongoing partnership with Credit.com. This service is only offered in person.
What to bring to your appointment
Address History
If you’ve lived at multiple addresses recently, please bring a list to verify your credit report.
Credit Report Freezes/Fraud Alerts
If your credit reports are frozen or have fraud alerts, you may not be able to access them during the session. Please ensure these are turned off beforehand. Let us know if you need assistance.
Laptop or personal device
Due to the sensitive nature of the information students will be sharing to access their credit, we recommend that students bring their own laptop or tablet to log into.
If you do not have your own device, please let us know beforehand and we can help borrow one from the library.
Frequently Asked Questions
Q
How does credit counseling affect my credit score?
Meeting with a credit counselor won’t negatively impact your credit score. Rather, they will work with you to identify practical strategies to help improve your credit over time.
Q
Why should I consider credit counseling?
Credit counseling can help you take control of your finances by offering expert advice on improving your credit. It’s a great option if you’re feeling overwhelmed by bills, want to build or rebuild credit, or just need guidance on managing your credit more effectively.
Q
I don’t need any credit right now, do I need to worry about my credit score now?
Your credit report and score can impact many areas of your life, not just getting more credit. It can also take a long time to build good credit. Starting as soon as possible can help you prepare for your financial journey.
Q
Can international students do credit counseling?
Yes! Building your credit in the U.S. is a smart move, and international students are welcome to seek credit counseling. Credit counselors can help you understand the U.S. credit system and guide you in establishing and maintaining good credit.