Information and instructions, including forms for Uniform Commercial Code (UCC) filings with the Utah Division of Corporations and Commercial Code. Credit card or mortgage companies are not considered "debt collectors" as defined in the FDCPA.The person who is collecting the debt is called the creditor. This letter is issued in connection with the Applicant's application for a. permit. By now you've probably realized that we are pretty much a perfect match. The University awards transfer credit according to guidelines in state and institutional policies. Welcome to The University of Utah's Scholarship Management Site! Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. How can I find out whether a creditor charged off my account? How do I dispute charge-offs with the credit bureaus?