A new study from BadCredit.org found that over 233,000 Utah consumers are “credit invisible,” a term that describes people whose credit history is so limited that they don’t even have a credit score. This means that they have been denied access to financial products, housing or have faced higher costs due to their lack of sufficient credit history.

Those Utahns who are credit invisible often have to make some serious financial sacrifices to get their hands on loans or credit. Nearly one-third of those surveyed said they had to resort to high-interest options because they couldn’t access traditional credit. Some said they had to find a cosigner, make bigger down payments, cut back on spending or Please log in to see the rest of this story.