Financial Education Services
Credit Restoration and Financial Education
Services
Credit Restoration
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:
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Understand the components of a credit score and how it’s calculated
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Understand how to read and interpret your credit file, and understand the difference in ratings between mortgage, installment and credit accounts
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Understand how certain bill paying habits may be adversely affecting your credit score
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Understand the impact of the amount of credit you are currently using
Protection Plan
The FES Protection Plan is a multiproduct program which encompasses all of our unique financial products. Unlike any other financial service on the market, the FES Protection Plan is designed to cover all aspects of your financial portfolio. You can access your easy-to-use online portal at anytime and our Customer Service Team is available to answer any questions. Keep yourself, your family and your financial assets protected with the FES Protection Plan.
Financial Education Services donates $2 from every FES Protection Plan payment to the Youth Financial Literacy Foundation.
Smart Credit
Manage all your online accounts in one place, integrated with your credit and identity. You can use Action buttons to ask your creditor a question about your account or a transaction. No phone calls or writing letters are necessary. We automatically track and update your account balances, bills coming due and transactions every day. Access your interactive credit report, which is now easy to read, search or find anything quickly, view more or less detail. It also includes your credit score, auto score, insurance score and even a hiring risk index for job seekers. Get alerts to your phone or email that someone opened credit in your name. Then use the Action button to stop the thieves.
My Care Plan
MyCare Plan is a comprehensive package including everything you need to prepare your Will, Living Trust and Healthcare & Financial Powers of Attorney. This system was developed by attorneys and is endorsed by credit unions and community banks. Prepare your full legal documents, which will be sent directly to you for signing & notarizing.
Rental Kharma
If you’re a renter, your largest monthly expense is probably your rent payment. Yet you don’t build your credit score by paying your rent on time. You can be penalized on your credit report for a rental eviction but you aren’t rewarded for being a responsible renter and making your rent payments. This puts you at a disadvantage because you’re not building credit with a major monthly expense. Homeowners build their credit score by paying their mortgage. It’s time you build your credit score by paying your rent.
LifeLock
LifeLock is dedicated to relentlessly protecting your personal information, 24 hours a day, seven days a week, 365 days a year. We provide proactive identity theft protection using innovative technologies that power not only LifeLock but also the world's most sophisticated surveillance solutions - similar to the technology employed by government intelligence agencies and blue-chip corporations.
More than just a credit monitoring service, LifeLock dives deep to discover the schemes today's thieves are using to steal personal information, from old-school collection techniques to more advanced technologies. We then continuously mine this information for threats, alert you when we determine a risk, and work to help educate law enforcement to combat this growing trend.