Why Is Our Service So Important? |
Are you being turned down for home loans, refinancing, automobiles, department store
cards, or even gas cards?
Are you paying a higher interest rate than you should, or has your credit limit
been lowered?
Are you tired and embarrassed by the constant calls from creditors and collection
agencies harassing you?
Have you faced repossession or foreclosure?
In today’s economic climate, a growing number of Americans suffer from negative
ratings in their credit file including delinquent payments, judgments, collections,
foreclosures and bankruptcies. Not only do these items prevent consumers from obtaining
new credit when they need it most, clients may also face additional penalties such
as increased interest rates on credit cards, higher late fees and over-limit fees,
shorter grace periods and lowered credit limits.
Most people with bad credit are not irresponsible, nor are they unwilling to pay
their obligations. In fact, if you’re like most people, you probably maintained
a good credit profile until an unforeseen circumstance like a layoff, medical problem,
or divorce prevented you from making a few payments in a timely manner.
The truth is that most people struggle long and hard to meet their obligations but
the money coming in just doesn't meet the bills going out. If the circumstances
become serious enough, many people have been forced into foreclosure or to file
for bankruptcy protection.
More today than ever before, our increasingly tight credit market demands a high
credit score. Why? Over three quarters of all lenders use credit scores when approving
loans or credit. The importance of your credit score doesn't end there. It's also
used to determine your interest rate, the amount of your down payment and the variety
of mortgage types available to you if you're buying a house, your ability to get
a car loan, the premium on your auto or homeowner's insurance, and even your ability
to get a job. For example, some insurers are using low credit scores as indicators
to identify individuals they believe are more likely to make claims against their
insurance policies. These insurance companies maintain that there is a correlation
between poor credit and filing multiple insurance claims. Last, but not least, if
your credit score is on the low side, you'll pay a higher interest rate on bank
loans and credit cards, and may even see your credit limit decreased.
Recent government surveys indicate that less than a third of Americans have viewed
their credit report within the past year. Many more do not know their current credit
score even though financial experts constantly advise consumers to review their
credit reports for accuracy. A recent survey revealed that nearly 80% of all consumer
credit reports contain serious errors or mistakes of some kind. This prevents millions
of Americans from being able to purchase homes or automobiles, or finance other goods
or services they need. You, very likely, could be one of those people with inaccurate
information. Additionally, many people are paying astronomical interest rates, or
have been denied financing unnecessarily due to low credit scores.
Because your financial health revolves around your credit score, it is important
that the information your credit report contains be as accurate and up-to-date as
possible. Millions of inaccurate items have been removed from consumers' credit reports since the Fair Credit Reporting Act was passed in 1971. Why shouldn't
YOU join them and start saving money right now?
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How Does It Work? |
United Credit Education Services is the leading company specializing in credit restoration.
Our processing center utilizes the latest technology ensuring fast, accurate service
for our customers. Our team of experienced professionals is highly knowledgeable
and holds the Credit Reporting Agencies accountable to utilize the newest legislation
regarding the Federal Trade Commission guidelines and the Fair Credit Reporting
Act.
Your dollar is more important to you than ever, and at United Credit we are constantly
looking for ways to maximize and improve the value of the services we provide. With
this in mind, our credit restoration service provides the industry's most comprehensive
program to consumers who have been turned down for a mortgage, car loan, credit
card or any type of credit due to credit problems. Our credit analysts will research out-dated, inaccurate and unverifiable entries on your credit reports that negatively affect your credit score, such as late payments, bankruptcies, judgments, collections, tax liens and much more.
In addition to the credit restoration process, our extensive library of credit education
and budgeting information will help you to maximize your credit score in three additional
important ways - by showing you how to read and interpret your credit report, by
showing you how your credit score is calculated, and by helping you understand and
improve your personal finances. United Credit will enable you to:
- Understand the components of a credit score and how it’s calculated
- Understand how to read and interpret your credit file, and understand the difference
in ratings between mortgage, installment and credit accounts
- Understand how certain bill paying habits may be adversely affecting your credit
score
- Understand the impact of the amount of credit you are currently using
- Provide useful tools for establishing and maintaining a budget
It’s easy! Join UCES and discover what good credit
can do for you and the money that you will SAVE with lower interest rates on credit
cards and lower rates for insurance, auto loans and mortgage payments. Follow these
simple steps to get the good credit you deserve:
- Contact your FES sales agent or visit their Web site to complete our simple
online enrollment form.
- After obtaining your credit reports, customized dispute letters will be prepared
and sent to you for your approval. We are happy to modify dispute letters when needed.
This is especially helpful in the case of mixed credit files among family members,
identity theft, or account information that has not been updated in regard to balances
or payoffs. Clients are strongly encouraged to attach any support documentation
to their dispute letters that may assist and expedite the dispute process.
- The credit bureaus will mail back a response within 30 days of receiving your dispute
letters. Responses will be sent directly to you so you can see the results as they
occur.
- It is imperative that you forward your updated credit reports to our offices to
ensure that we are working with accurate information and add any new items, should
they appear, to your next set of dispute letters. Your file will be updated and
your next set of dispute letters will be prepared and mailed to you.
- New dispute letters will be sent to you approximately every 60 days throughout your enrollment.
- Though we can’t guarantee that every derogatory account from your credit file will be removed, we will do our utmost to improve your credit, and educate you with proven techniques on
re-establishing your credit.
- Our Customer Support Department is happy to provide additional information to improve
your credit score, and help to build and maintain your credit file. We are committed
to providing you every assistance possible to help you reach your credit goals.
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Why Choose Us? |
It's simple really. We have the knowledge, experience and most effective approach
to credit restoration in the industry. United Credit is proud to offer our time proven
strategies, including the industry's first proactive and interactive customer service.
In short, clients receive regular progress reports detailing the status of their
credit file, including the number of dispute cycles completed and the number of
deleted items. Our customer support team is on hand to personally answer any questions
by phone or email, or clients may choose to access their account details online
any time of day or night. Let our professionals work for you. Enroll today and join
the thousands of other clients who are enjoying the benefits of improved credit.
- Money-back guarantee
- Exceptional “A” rating with Better Business Bureau
- Outstanding deletion rate
- Unlimited access to our online library of our credit education and resource center
- Monitor your progress around the clock 24 hours a day, 7 days a week, 365 days a
year
- Testimonials from happy, satisfied clients
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Check Out Our Success Rate!
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