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United Credit Education Services

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LAST UPDATED: June 13th, 2022

United Credit Education Services (UCES) is a credit repair company based out of Farmington Hills, Michigan.

The company, which has been in the credit repair business for over 10 years, provides a four-step credit restoration service:

  • The first step asks clients to fill out an online enrollment form and activate their account.
  • The second step includes a credit report evaluation which helps the company identify what is negatively harming the client's credit score.
  • The third step involves the review, approval, verification, and mailing of dispute letters.
  • The fourth and final step involves account updates and results. 

According to the company's website, clients will receive revised dispute letters every 60 days until their credit restoration service expires. 


Highlight: United Credit Education has a history of success.

United Credit Education Services has served over 150,000 clients and has removed over 545,000 negative credit items — including 57,000 that involved public records such as judgments, tax liens, and bankruptcies.

Read on to learn more about United Credit Education Services and to view verified client reviews.

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The Good

  • Removal Success
  • Credit Analysis Report 
  • Credit Builder Program 
  • Progress Updates

United Credit Education Services offers a fairly extensive library of consumer finance and credit education materials that include topics relating to budgeting, credit unions, banks, credit card and credit score situations, establishing credit, debt, loans, and more.

The company's credit repair service costs an initial fee of $125 and a fee of $25 per deleted item.

The dispute process lasts five rounds and the company claims to achieve a 30 to 50 percent deletion ratio within the first 30 days of service. Although this level of deletion rate can vary per customer, it is fairly quick and efficient when compared to other companies in the credit repair industry.  

Removal Success

The company's website discloses that it has successfully corrected a significant amount of negative items like late payments, collections, and public records.

Other types of bad credit 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 credit restoration 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 customer service representative. 

Progress Updates

As part of its credit repair service, the company will review each client's file every 60 days. In addition to a new dispute, clients will receive a credit repair-progress update. Clients can also regularly check their progress by logging into the company's online client portal. 


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 

This credit repair organization does not appear to negotiate lower payments for its clients. While the company does offer a money-back guarantee, it is misleading to consumers.

The company's policy states that "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 disputes.

Customers who are dissatisfied with the company's credit repair services must continue to pay/wait until three dispute cycles of the credit repair process are completed in order to be 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 letter 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 (FCRA).


The Bottom Line

United Credit Education Services appears to offer comprehensive credit services 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 as part of its credit restoration process. 

Unfortunately, in comparison to other credit repair companies, United Credit Education Services lacks in a few key areas like its customer service, its refund policy, and more.

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 debt education
  • Assisting in payment distributions 
  • Helping to negotiate lower monthly payments for its clientele

Because the company does lack in the areas listed above, we recommend that you do thorough research, read UCES reviews, and consider other top-rated credit repair services before you choose United Credit Education Services.  

View Best Credit Repair Companies

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Stephanie Yazoo City, MS

I only have one problem with UCES, they indicate in their advertisements that they can remove/delete student loans, however, they CANNOT. If student loans are a major concern of yours, please do not be misled. I received two garnishments after being promised that they could delete them.

3 years ago