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Food for Thought about Credit Reports:

It seems that society has bred a culture that is so focused on deletions of negative accounts on a credit report.

We are trying to change that.

The reason for this is because not all negative accounts hurt the scores. So if they're not hurting the scores, then they still have POINT VALUE. In that case, we leave it alone.

The Golden Rule here is: all accounts (except public records such as bankruptcies, judgments, and tax liens) have POINT VALUE, but not all accounts have POINT DEDUCTIONS.

Let that sink in folks. If it's not hurting the scores, then it's actually helping the scores. So when a customer comes to me asking about deletions, I tell them to be careful because deleting blindly can:

1) Cause ones' scores to drop

2) Delete a positive account linked to that 'late' or inquiry

3) May get them in trouble if the creditor decides then that the account is fraud (if it legitimately belonged to the customer and the dispute reason stated it didn't belong to them)

4) Delete the account for a short period of time, and then come back on the report

5) Still allow the creditors/collection agencies to contact customer to collect. Just because it's off the report, does not mean the debt is still not owed. If the account is still within the statute of limitations, it is an even bigger risk because having that account deleted causes the customer to think that they are off the hook.

The best way to know if an account has point deductions is to access your credit reports or your customer's credit reports through ScoreNavigator. Point Deduction information IS the missing link that changes EVERYTHING.

If you or your customers are needing to improve credit scores they should go to and sign up for ScoreNavigator. If they are also needing a credit card or two to help with that missing link of building positive credit and available credit we offer secured credit cards as well. No minimum credit score required and you/they can obtain up to two (2) per person.

More information

We have over 20+ years in the credit industry with an extensive knowledge base of credit! Do you have credit questions? Do you need a copy of your credit report? Do you want to see your credit scores? Do you need to build positive credit? Do you need a credit card or two? Do you want to maximize your credit? We have all of those things for you! Just give us a call at 435-754-7701.

We have always enjoyed helping others especially when they think there is no where to go for help or they think they are not in a place to get help with their credit. There is always room for growth and improvement when it comes to credit! We have helped thousands of consumers maximize their credit over the years. It doesn't matter if you live in Logan, Providence, Hyrum, Wellsville, North Logan, Clarkston, Richmond, Lewiston, Benson, Avon, Millville, Nibley, Smithfield, Hyde Park, Cove, Paradise, Mendon, Tremonton, Garland, Honeyville, Brigham City, Ogden, Layton, Farmington, Kaysville, Farwest, Bountiful, Salt Lake City, West Jordan, South Jordan, Sandy, Lehi, Provo, Spanish Fork, Park City, Heber, Nephi, Cedar City or St. George, Utah or Idaho ---- We can help! 

Hometown Insurance Agency of Utah is located in downtown Logan, Utah (Cache Valley) and prides itself in helping others, not only save money on their home, auto other types of insurance but to also make sure you are properly covered and that you have answers to your questions. We want to make sure that our clients are our friends and friends become family! We care about you as much as we care about our family! We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance Agency of Utah is licensed in Utah and Idaho! That's right, we are now licensed in Idaho too!

We care about you and we care about our community. We are members of the Cache Chamber of Commerce and the Women's Council of Realtors Cache Valley, we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!

Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.

If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.

180 North Main Ste C

Logan, UT 84321


Email: jill [at] hometowninsr [dot] com