United Credit Education Services

United Credit Education Services Logo


Overall Score

25 User Reviews

24 days ago

United Credit Education Services

  • 24/7 Online Account Access
  • Misleading Money-back Guarantee
  • Undisclosed Setup Fee

Claim this Profile

BestCompany.com is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.

Are you a representative

of this company?

Claim this Profile

United Credit Education Services is a credit repair company based out of Farmington Hills, Michigan. The company has served over 150,000 clients and has removed over 545,000 negative credit items. 57,000 of these items involved public records such as judgments, tax liens, and bankruptcies. United Credit Education Services strives to raise customers’ credit scores, by removing negative items from their credit reports, in order to help customers enhance their overall financial well-being. 

The Good

  • Removal Success
  • Credit Analysis Report 
  • Credit Builder Program 

United Credit Education Services offers consumers an extensive library of educational materials on credit and budgeting that include topics relating to credit unions, banks, credit card and credit score situations, establishing credit, debt, loans, and more. The cost for its credit repair services is an initial $125 startup fee and $25 per deleted item. The dispute process lasts five rounds and the company claims a 30-50 percent deletion ratio in the first 30 days.

Removal Success

The company’s website discloses that it has successfully corrected a significant amount of late payments, collections, public records, and personal info. Other types of items that can be corrected with United Credit Education Services include foreclosures, bankruptcies, judgments, student loans/personal loans, and settlements. 

Credit Analysis Report

As part of the process, United Credit Education Services will conduct counseling and analysis of a client's credit situation using their credit reports. This credit analysis report will pinpoint exactly what needs to be done to improve credit scores. From there, the company will begin its credit restoration process.

Credit Builder Program

Clients in need of building up their credit can do so with this program. United Credit Education Services’ website provides that the credit builder program consists of filling out an online registration form and a secured credit card. Customers can obtain additional information regarding this credit builder program by consulting their United Credit Education Services representative. 

The Bad

  • Misleading Money-Back Guarantee 
  • Required Completion of Three Dispute Cycles for Refund Eligibility
  • No Refunds for Incomplete Payments or Monthly Payments Plans 
  • No Distributing Payments 

Misleading Money-Back Guarantee 

The company does not negotiate lower payments for its clients. While the company does offer a money-back guarantee, it is misleading to consumers. The policy states "any remaining money from the initial payment made for the service will be refunded to the customer immediately.” This misleading money-back guarantee may prove to be a challenge to customers who do not see credit score improvements while paying for the company’s credit repair services.

Required Completion of Three Dispute Cycles for Refund Eligibility

While United Credit Education Services offers a refund to their clients, there is no refund available until after three rounds of dispute. Customers who are dissatisfied with the company’s credit repair services must continue to pay/wait until three dispute cycles are completed in order to eligible for a refund. 

No Refunds for Incomplete Payments or Monthly Payments Plans

There are additional refund limitations prospective clients should be aware of. If there are incomplete payments still due, a refund cannot be issued.

No Distributing Payments

Unlike some other credit repair companies, United Credit Education Services does not assist in distributing payments or helping clients manage their financial budget. The dispute process does not challenge the event of the disputed item. It only enforces the protocol for proper verification from the credit bureaus as set forth by the Fair Credit Reporting Act.

The Bottom Line

United Credit Education Services appears to offer comprehensive services for its customers including extensive financial education on the topics of credit repair, credit union/bank differences, loans, budgeting, etc. The company also provides credit counseling as well as a credit report evaluation to customers. In comparison to other credit repair companies, United Credit Education Services lacks in a few key areas. To improve its customer service, United Credit Education Services could focus on the following areas:

  • Improving the clarity of the misleading money-back guarantee
  • Helping clients with financial/debt management and debtor education
  • Assisting in payment distributions 
  • Helping to negotiate lower monthly payments for its clientele

View Best Credit Repair Companies


As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.

User Reviews


25 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
August 30th, 2018 Valley Village, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

This company and the services they offer are amazing! No other company that I've looked into offers as many services as they do for the price point. They are my go to credit restoration company!

Larry Beal
July 5th, 2018 Escondido, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

We been with them 3 months and not a word. Not a action? What are they for? I done more than they have😞.. We have used one service like this 3 years and not a thing come off our credit. But my son in laws is now awesome, cause he put all his credit in our name. How?? We was told just pay it🤪

May 9th, 2018 Savannah, GA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I have been with this company for about a year. Only 1 out of 18 items have been removed from my credit report. And my score has barely moved. Not pleased at all.

Dawud Muhammad
August 10th, 2017

I am very happy with the service so much so that I referred more people.

April 15th, 2017

I am very impressed at the short length of time it took to assist with credit restoration. The service is very fast!

Nicole P.
December 29th, 2016

This company is awesome. My credit scores were 543,552 and 553 when I started with United Credit Education Services October 18 2016. In November 2016 my credit scores went from the 500 zone to 610,618 and 628. My scores not only increased but negative items totaling 25 altogether were deleted from my Equifax, Transunion and Experian credit reports. I have tried Lexington Law, The Credit People and a company called The Credit Improvement Company in NC and they were all scams. I never received updated credit reports with deletions, and My credit scores never improved. The monthly fee is worth spending in this program with United Credit Education Services when it comes to wanting excellent credit. Plus you get 12 other major benefits for a monthly fee of only $87.00 per month. Your credit is your life. Thank you so much United Credit Education Services for making me a happy client and a soon to be Credit Repair Agent.

Dan Williams
March 11th, 2016 Palm Harbor, FL

My Score went from a 525 to 763 in 2 yrs....Great Customer Service and Answered the phone, everytime I called and very helpful!! Thanks UCS!!

Stanley Lamar Smith
May 24th, 2016 Auburn Hills, MI

Excellent customer service my credit scorr went up 105 withing 70 days

May 24th, 2016 West Bloomfield, MI

I had my score increase by 128 points in a short time period. I would highly recommend the company. After my results I joined the company as a consultant. I love the protection plan product, not only did I get my credit score increased I was able to get my will,trust.and power of attorney completed and monitor and protect my credit score for one low price.

Carol Allen
May 24th, 2016 Cleveland, OH

After my husband Robin, suffered a life debilitating brain stem stroke after retirement from the Cleveland Police Force after 30+ years; and my being off of work from my Federal Government job of 13+ years at the time; our credit took a hit. We worked with United Credit Education Services. There were so many inaccuracies on both of our credit reports with both of us having common names that we were able to dispute. We worked with UCES and are now back on track, have used the services to restore our credit, used the credit builder, their credit attorney's, we already had our will, trust, and poa but have since used that service to have it as a back up to our existing, we have used the debt zero, smart credit to track our credit score, the discount travel, positive credit builder, financial lockbox, lifelock has been a God-send, discount prescription card and shopping portable. Its the only membership of its kind. Our credit went from under 451 to 696 for my husband in 4 months, and for myself 405 to 636 in 4 months. Keeping in mind that this was after me going back to work and having that additional income that we did not have while I was home caring for him. Because of United Credit Education Services, we have our good credit back. It will get better as the months go past but it a whole lot better than it was in January 2015.

May 24th, 2016 Spartanburg, SC

EXCELLENT INFORMATION!!! Being new to the program, having an honest company to back you in getting better credit helps one to know they am not alone. Just that fact means so much to the general population.

Mike Watson
May 24th, 2016 San Diego, CA

Excellent company that fixes credit very quickly. Highly reccomended

John Tedmon
May 24th, 2016 North Las Vegas, NV

I was a CEO of a credit counseling business for 5 years and was very skeptical at first. I enrolled in the Protection Plan program and found they far exceeded my expectations. 17 derogatory's were in the first 60 days and my score increased significantly. The staff at United Credit are friendly, knowledgeable and professional. I strongly recommend their services.

Marta Mistal
May 24th, 2016 Livonia, MI

Thank you United Credit. I had credit cards that were charging me every month just to have their credit card PLUS charging me $99 a year for an annual fee. My credit score is now 778 and I have two Zero percent credit cards with cash back rewards. They even educated me on credit and why it is so important. I am now going to buy my first house. I can not THANK YOU enough.

Marsha Coye
May 24th, 2016 Bronx, NY

After working with 2 other "credit repair" services and getting no where near my money's worth or satisfactory service, I was extremely leery about giving $500 to another company after paying off my creditors. I was referred to an UnitedCredit agent and after some thought I decided to give it a try. I started my service Feb 2015. As of today April 1, my Transunion score went up 69 points and Experian went up 82 points! I am an extremely satisfied client!!

May 24th, 2016 Gaffney, SC

I started 10/31/14 and it's now 1/15/2015 and have not seen any results what so ever..piss I invested 499 dollars but its for a whole year but not impressed yet...smh

May 24th, 2016 Baltimore, MD

Excellent customer service, fast results at affordable rate and transparency because you can track progress with 24/7 customized secured portal to login with entire profile

Tony jones
May 24th, 2016 Chicago, IL

Removed most negative items on my 3 credit bureaus in less than a year, great customer service. Credit scores above 700 ..I'm happy!

May 24th, 2016 Woodland Hills, CA

Incredible service! I had fantastic results in just a few months. Best money I ever invested in myself. Customer Service is excellent as well.

May 24th, 2016 Osage Beach, MO

They DO offer Lawyer services and it isn't $125 a month as this site says. It's $499 for the year. My score jumped 107 points in under 60 days and stayed. This isn't a rapid rescore quick fix. It's permanent change.

May 24th, 2016 Fort Myers, FL

I have had my credit repaired by United a few years ago and in just 3 months, my credit score was raised up over 100 points! They have an excellent reputation and have been in business for over 10 years with a satisfaction guarantee for their services. Once your credit is back up, they offer services like "Lifelock Identity protection services, Debt Zero program to show how you can eliminate your debt and increase your savings, Positive Credit Builder with analysis and tips to build your credit score, and more to help you with your financial portfolio after you clean up your credit through them. After the real estate meltdown my credit suffered again so I signed up with them again and this time for all the services I just mentioned. Also, I can call the help line (and talk to a human being) 24/7 with any questions about the process. ABSOLUTELY worth every penny spent for this program. I recommend it to everyone in need of credit repair and financial education!

Nicolee Hall
May 24th, 2016 Lithonia, GA

I am the type of person that will not trust anyone with my personal information. When I call the company they are very helpful. This was a great investment. My credit score has increased, I started the program in June 2013. I am happy with the results.

Bret Ehlers
May 24th, 2016 Salt Lake City, UT

I purchased the $499 services of United Credit and I have been very pleased with their service. In 4 months my credit scores have increased over 100 points. That was fast. A few years ago I was with Lexington Law and they strung out the process for years, It cost me $2000 and they did not do that good on increasing my scores.

Jake Dylan
May 24th, 2016 Malibu, CA

United Credit got great results and their costumer service is amazing.The money back guarantee is right there on the site and very fair.It does not say 100% money back guarantee. It says satisfaction money back guarantee.They will charge a set up fee if your dissatisfied after 3 rounds "180" days.If the Company got three or less negative items off your credit you have the right to call and exercise the "satisfaction money back guarantee.Each of those three negative items will be $25.00 each.The flat rate price of 499.00 for all they do I think is extremely valuable.Happy Costumer Jake

May 24th, 2016 Malibu, CA

Received incredible results using this service! 22 items removed in the first 43 days. They offer a money back guarantee posted on their website. Customer service incredible! Very transparent service! Pricing far below market value. Flat fee no matter how many items or if anything new appears. Priced at $499 for a year's worth of service... Worth every penny!