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Protecting Your Credit

Protect your credit rating!

The best way to build and protect your credit is to pay your bills on time. BYU reports the following transactions to credit reporting agencies:

  • Short Term Loans
  • Long Term Institutional Loans (primarily Law School and Business School graduate loans)
  • All past due accounts which have been referred to collection agencies

If you believe that BYU has incorrectly reported your credit, please contact Bill Welsh, Collection Manager at 801-422-6762 or bill_welsh@byu.edu.

How to obtain a copy of your credit report

You can obtain a free copy of your own credit report at annualcreditreport.com. You can also get additional information regarding personal credit reports directly from the Federal Trade Commission here.

Need help with personal finance questions?

BYU has organized the Student Center for Financial Management & Planning specifically to help students with a wide variety of personal finance questions. Check out their website at https://financialplan.byu.edu and then call for an appointment if you need personalized help.

Contacts

Bill Welsh
801-422-6762
bill_welsh@byu.edu