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.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#33
united-credit-education-services

$25/deletion
5.2

The Good

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
  • Wills and Trusts
  • Credit Analysis Report
  • Credit Builder Program

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

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.” Certain other conditions apply which include:

  • Customers must complete 3 dispute cycles for refund eligibility
  • No refunds are issued on incomplete payments or monthly payments plans
  • The $25 charge per deletion item is excluded from refund eligibility

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

Frequently Asked Questions

How much does United Credit Education Services cost?

Customers will initially pay $125 to set up their account. After this, UCES will charge $25 for every negative account removed from your credit report.

Does United Credit Education Services allow me to enroll more than one person or my whole family?

UCES will only allow individuals to sign up for the credit repair service it provides.

How does United Credit Education Services repair my credit?

United Credit Education Services follows a standard process to help raise your credit score. First, a company representative will evaluate your case and determine what is causing your score to dip below acceptable levels. Next, the company will prepare and send dispute letters to you for every erroneous charge found. If you approve of the findings, you then send them to the credit reporting bureaus.

How does United Credit Education Services provide credit monitoring?

United Credit Education Services will assess your credit score and determine what appropriate actions can be taken to raise your score. The company will be on the lookout for falsely reporting information.

How long will it take before I start to see results with United Credit Education Services?

United Credit Education Services customers should see improvements to their credit score within 60 days.

What results can I expect from United Credit Education Services?

Every customer’s situation is different, so it’s impossible to make an across-the-board statement what every person’s results should be; however, the company has a history of helping raise customers’ scores by up to 100 points.

 How can I contact United Credit Education Services?

You can call 248-848-9065 to reach a company representative. You may also send an email through an online form found on the website.

Published Results

 A visit to United Credit Education Service’s website will show some interesting claims. Two of these include the following:

  • United Credit Education Services states on its website that the typical customer sees a 100-point credit score improvement.
  • In addition, the company states that most people see noticeable improvements to their credit scores within 60 days.

Price Breakdown

United Credit Education Services has exceptionally competitive and fair pricing for its customers. The company does not charge a monthly fee but instead charges payment every time something is removed from your credit report.

Setup Fee

By enrolling as a customer for United Credit Services, you will pay $125. This will get a company representative working on your file. At this time, staff members will compile information about your credit history and will assess your situation preparatory to making a plan to repairing your credit.

Charges

You only pay United Credit Services when you see results. Each time the company successfully removes a false charge from your credit report, you will pay $25.

Refunds

United Credit Education Services is committed to customer satisfaction. If after three dispute cycles the company has not removed erroneous charges adding up to the initial $125 setup fee, you will be refunded the difference.

How It Works

Step #1: Initial Enrollment

Consumers get started in repairing their credit reports by contacting a company representative or filling out a short enrollment form online. Once credit reports have been obtained, dispute letters are prepared by the company and sent to the client for final approval. Clients are encouraged to submit any additional support documentation that can assist in expediting the process.

Step #2: Dispute Process

Consumers will receive a response back from the credit bureaus regarding the dispute letters. These responses should be forwarded immediately to United Credit Education for file updates and to have the net set of dispute letters prepared and sent. These dispute letters are sent approximately every 60 days of a client’s enrollment.

Step #3: Continued Support

The company acknowledges that it cannot guarantee the removal of every disputed item. However, the company will provide continued support through education on proven techniques for reestablishing credit.

What to Expect when Signing Up

Signing up as a customer for United Credit Education Services is a simple process.

  1. The online process is fast and simple. Once you complete the online form, you will be required to furnish identify verification. The materials needed are listed on the company website.
  2. Next, send in your documentation via fax or mail, or upload the electronic documents through your account. Once all necessary information is received, United Credit Educational Services can get started on your case.
  3. Once you have signed up, the company will get right to work and will stay in regular communication with you and what actions are taking place.

What Can Be Removed?

United Credit Education Services cannot guarantee it will raise your score to a certain level or that it will remove specific items. Furthermore, it’s unlawful to remove legitimate information from the credit report; however, the company does have the ability to remove a number of items from your report. These include the following:

  • Charge-offs
  • Collections
  • Judgments
  • Late payments
  • Medical collections
  • Bankruptcies
  • Tax liens
  • Other erroneous or outdated information on your credit report

Once these items are taken off your credit report, you will be in a much better position to obtain desired loans and to have increased peace of mind that you are on better financial footing.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

19 United Credit Education Services Reviews

1. Select Your Rating:

1
1
1
16
0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*

or

    Sort By:

  1. User Score

    10

    March 9th, 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!!

    Read More

    Was this review helpful?
    3

  2. User Score

    10

    February 19th, 2016 Auburn Hills, MI

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

    Read More

    Was this review helpful?
    2

  3. User Score

    10

    December 24th, 2015 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.

    Read More

    Was this review helpful?
    4

  4. User Score

    10

    October 4th, 2015 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.

    Read More

    Was this review helpful?
    7

  5. User Score

    8

    September 10th, 2015 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.

    Read More

    Was this review helpful?
    2

  6. User Score

    10

    August 29th, 2015 San Diego, CA

    Excellent company that fixes credit very quickly. Highly reccomended

    Read More

    Was this review helpful?
    5

  7. User Score

    10

    June 12th, 2015 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.

    Read More

    Was this review helpful?
    7

  8. User Score

    10

    May 26th, 2015 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.

    Read More

    Was this review helpful?
    6

  9. User Score

    10

    April 1st, 2015 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!!

    Read More

    Was this review helpful?
    11

  10. User Score

    0

    January 16th, 2015 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

    Read More

    Was this review helpful?
    9 1

  11. User Score

    10

    January 10th, 2015 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

    Read More

    Was this review helpful?
    7

  12. User Score

    10

    September 27th, 2014 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!

    Read More

    Was this review helpful?
    9

  13. User Score

    10

    September 3rd, 2014 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.

    Read More

    Was this review helpful?
    7

  14. User Score

    10

    March 21st, 2014 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.

    Read More

    Was this review helpful?
    8

  15. User Score

    10

    September 3rd, 2013 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!

    Read More

    Was this review helpful?
    8

  16. User Score

    10

    July 25th, 2013 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.

    Read More

    Was this review helpful?
    6

  17. User Score

    10

    April 19th, 2013 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.

    Read More

    Was this review helpful?
    10

  18. User Score

    10

    April 18th, 2013 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

    Read More

    Was this review helpful?
    6

  19. User Score

    1

    April 18th, 2013 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!

    Read More

    Was this review helpful?
    6