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.
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 to putting together their wills and/or trust can use the experts at United Credit Education.
Credit Analysis Report
As part of their 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.
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 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
While United Credit offers a refund to their clients, there is no refund available until after three rounds of dispute.
No refunds are issued on 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.
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.
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.
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.
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.
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.
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.
- 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.
- 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.
- 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:
- Late payments
- Medical collections
- 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.