United Credit Education Services


Overall Score

22 User Reviews

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United Credit Education 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.

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22 User Reviews

The Good

  • ID Theft Protection 
  • Wills and Trusts 
  • Credit Analysis Report 
  • Credit Builder Program 
  • Positive Results 

United Credit Restoration offers consumers an extensive library of educational materials on credit and budgeting. The cost for its credit repair process is an initial $125 startup fee and $25 per deleted item. The dispute process lasts 5 rounds and the company claims a 30-50 percent deletion ratio in the first 30 days. The company claims it can help make positive changes for foreclosures, bankruptcies, student loans, tax liens, and more. Other financial services include:

ID Theft Protection

In addition to providing credit restoration services, United Credit Education Restoration also provides ID Theft monitoring.

Wills and Trusts

Those in need of putting together their will and/or trust can use the experts at United Credit Education.

Credit Analysis Report

As part of the process, United Credit Education will do a complete work-up and analysis of a client's credit situation. This report will pinpoint exactly what needs to be done to improve credit scores.

Credit Builder Program

Clients in need of building up their credit can do so with this program.

Positive Results

United Credit Education claims to be the leading company for credit restoration. Many online consumer reviews available positively recommend the company and its services. The company also features numerous customer testimonials on its corporate website.

The Bad

  • Misleading Money-Back Guarantee 
  • Customers Must Complete 3 Dispute Cycles for Refund Eligibility 
  • No Refunds for Incomplete Payments or Monthly Payments Plans 
  • The $25 Charge Per Deletion is Excluded from Refund Eligibility 
  • 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." 

Customers Must Complete 3 Dispute Cycles for Refund Eligibility

While United Credit offers a refund to their clients, there is no refund available until after three rounds of dispute.

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.

The $25 Charge Per Deletion Item is Excluded from Refund Eligibility

Once an item has been deleted from a client's credit report, the money spent on that deletion cannot be refunded if unsatisfied with the overall service.

No Distributing Payments

The company 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 reporting agencies as set forth by the Fair Credit Reporting Act.

The Bottom Line

United Credit Education appears to be a legitimate credit repair company with over 19 years of experience in the industry. United Credit Education appears to offer comprehensive financial services for its customers. It appears to offer extensive education on the topics of credit and budgeting. The company could improve its customer service through the following key areas:

  • Improving the clarity of the misleading money-back guarantee
  • Helping clients in managing household budgets
  • Assisting in payment distributions
  • Helping to negotiate lower monthly payments for its clientele

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