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Financial Education Services

Financial Education Services

Name: Financial Education Services
Rating: 3.7

3.7

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73 User Reviews

5.3

Overall Score

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3.7

star star star star_half star_border

73 User Reviews

5.3

Overall Score

Compare

The Good

The Bad

Bottom Line

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Company Details

Upfront Cost

Starting at

$89

Monthly Fee

Starting at

$89

Time in Business

20 Years

Number of Reviews 73

info Source of Information

LAST UPDATED: September 26th, 2023

Important Note: Financial Education Services no longer offers credit repair services. The information below may now be incorrect or outdated.

Click Here to View Top-Rated Credit Repair Companies

Financial Education Services (FES) not only strives to help clients improve their financial situations, but they also work to educate potential and current clients on how to improve their overall financial literacy.

The company wants each of its clients to be able to achieve his or her financial goals and enhance their financial wellness by focusing on long-term care.

Financial Education Services offers a money-back guarantee and several helpful program options. With a focus on consumer financial education, the company works to eliminate the burden of financial uncertainty while creating a plan of action and peace of mind for the future.

Keep reading to learn more about the company's services and to see Financial Education Services reviews.

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The Good

Member Online Portal
Several Program Options
Money-Back Guarantee

Financial Education Services offers several comprehensive programs to aid clients who are in need of financial services. Financial Education Services has many impressive service features, such as:

Member Online Portal

Financial Education Services has a focus on customer service and offers clients 24/7 access and control to their account online. The company will automatically update the online portal in order to keep members as up-to-date as possible.

Several Program Options

The business offers clients several programs and products included in their FES Protection Plan to improve members' personal finance situations.

These programs include a smart credit monitoring system, FES protection plan plus, FES travel benefits, secured credit card offer, an ultra score program, a rent reporting program, and a health and assets care plan.

All of these programs are built on helping clients obtain certain financial education and credit benefits, and enhance their financial portfolios. Regardless of which financial service or program clients choose, the company will follow a strict privacy policy in order to keep all client information secure.

Money-Back Guarantee

This financial service provider offers members a ten-day money-back guarantee for both the enrollment fee and the initial monthly fee.

Since some other companies in the industry do not provide a money-back guarantee policy, Financial Education Services' policy may be something to look into for potential clients.

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The Bad

Lack of Credit Repair Services
No Licensed Attorneys on Staff
Lack of Website Information

Although Financial Education Services offers a money-back guarantee for their services, provides several services, and has an online client portal, they do have a few important drawbacks to note. These limitations include the following items:

Lack of Credit Repair Services

Although the company does offer several financial services including a smart credit program, they no longer offer a credit repair service. Those who are interested in this type of service must find and contact a direct credit repair company.

No Licensed Attorneys on Staff

At the present time, the company does not have licensed attorneys on staff helping with client financial improvement. They do have employees to help clients, but lack in comparison to the significant amount of companies that do have certified professionals on staff.

However, Financial Education Services is partnered with Michigan Consumer Credit Lawyers who are capable of handling erroneous reporting as well as debt harassment at consumers' requests.

Lack of Website Information

Although the Financial Education Services' website provides a good amount of financial information for both potential and current clients, it does not seem to disclose upfront specific payment information.

The company's services do vary in price and clients are expected to directly contact the business to find out the exact monthly fee and details of products, services, and programs along with enrollment prices and procedures.

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The Bottom Line

Financial Education Services offers a variety of products, programs, and services. The company also has a member online portal, a money-back guarantee, as well as education services to help clients achieve their financial goals and improve their overall financial wellness.

However, the financial service company no longer offers credit repair services, may charge people upfront payments/setup fees, they do not have any officially licensed attorneys on staff, and they are lacking pricing and other important information on their website. These can all be major drawbacks for potential consumers and should be taken into consideration.

If you are looking for credit repair services, click the link below to see a list of top-rated credit repair companies.

View Best Credit Repair Companies

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User Reviews

Star Rating

3.7

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73 Reviews

Review Breakdown

5 grade

59%

4 grade

3 grade

2 grade

1 grade

26%

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star star star star star

Michelle Johnson Spring, TX

At first I was a little nervous to sign up, but I’m sure glad I did. FES changed my life. It was a process I stayed with them for almost 1 year in a half bc of all the stuff I had on my credit. It was the best investment I could of ever made. All medical bills, old credit cards, phone bill contracts and even a car loan I had in the pass ALL of it is gone. What I love the most about this place is because you can see with you own eyes what’s been deleted off your credit because all three Credit bureau’s mail you all the paper work once the respond to the dispute letters. I definitely recommend this company to everybody in I will do it all over again. I drop from 520 credit score to a 780 with high credit card limits. My highest limit is $10700. Thanks to FES help I’m never denied anything.

5 years ago

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Paul DeMiere Valrico, FL

Only $188 to get started ($99 one time initial payment + $89 for first month) and $89/mo. Used Lexington Law previously, knowing what I know now I’d never recommend anyone use Lexington. Lexington will only dispute one or two items at a time, going one bureau at a time to drag out the process and milk you for monthly fees. I had 24 items across 3 bureaus that I was disputing, and they only helped me remove 1 inaccurate item in 4 months. FES is different, they leverage my rights under the Fair Credit Reporting Act, helped draft up all 3 dispute letters to the different bureaus for me, and then I just had to print them off, sign them, attach a copy of my Proof of Residence (Drivers License with current address) and Proof of Social (Social Security Card), and mail the disputes off to Experian, Equifax and TransUnion. Within 45 days, they’d helped removed half of the items on my credit, and I just sent out my second round of dispute letters, 2 months from when I sent the first round out. They’ve helped several friends of mine get into the 700s, and I’m hoping to accomplish the same.

6 years ago

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J Danielle Brandon, FL

I have nothing but positive things to say about this company. My car broke down on me and I was in need of a new vehicle. I was in a very bad place financially without any guidance. A friend told me about this service and I gave it a shot with nothing to loose. I was so shocked to see my score increase 93 points after the first round of disputes, which changed my position financially. I was able to purchase a car with no money down and an interest rate of 2%. What I enjoyed most about this service is that I never had to question what was going on. I was really engaged in the process and was ecstatic with my results.

6 years ago

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Munira Grinnage Tampa, FL

The services alone are worth the down payment and the monthly charge. No other credit repair company gives you Life Lock, Legal Services, your own tracking system and so much more. My credit score went from 422 to 720 the first round of services. I was able to get credit card limit of $5000 within 3 months of using FES. The company gives us tons of information and education on how improve and maintain your credit score. I am very pleased. They have a customer support line for all your needs along side with a direct contact of your Enrollment agent. There site is very thorough in explaining how the services work. You just have to take the time to access the information and read up on it. The program helps to teach you how to take charge of your own results. There is no babysitting. However, they will provide you the tools needed to improve. I love them. Sad to see they have such a low score.

6 years ago

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chong h royal

My score dropped from 780 to 530 due to failure of my biz 4 yrs ago. I tried to purchase the van 3 yrs later, local Honda dealer told me that I would not be able to buy the van unless i come up with $15,000 downpay, 15% interest rate and trade-in my car which was paid off. Since I could not afford the down payment, I contacted my friend soon to fix my credit. Before that, I did not know who to contact since many people around me lost their money with no credit fixed. They spend as low as 1500 up to $3000. I joined Nov 2014 and just before Christmas, 1st result came out. About 5 were deleted and my score went up by 107 points! I rushed to the local Honda dealer in Seaside, CA. Joe, Sales mgr shouted I was the first one who walked in with the actual proof! He never believed credit restoration and thought it's all scam. Of course, I was able to buy the van that day with no down payment, 9.99% interest even though my score was not high enough to get 1% interest rate. After one year, I have paid $10,500 in interest so I decided to pay off. Now, I am enjoying no car payment now. FES services and the customer services are second to none, I believe. I have been going thru 3 dispute cycle so far and my score went up to 720. I could have gotten it lot earlier but due to my work schedule, I skipped some of those dispute letters. They were nice enough to issue another one upon request. I was LUCKY. They are the ones who made a big difference in my life.... Oh, For $87/month, they provide 13 svs including credit fix and I was shocked to get a gorgeous looking binder when I completed my will/living trust/power of attorney. You have to try their services. I have never seen any credit company who offers that many for such a low price. I introduced a couple I have known for years and they went thru the svc in early Sep. Her husband got a refund of $87 because there was no negative found. She has results back days ago and told me 4 out of 6 were deleted.

8 years ago

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Kacee Bradenton, FL

My score went up 70 points the first month, I couldn't believe it. It was so reassuring to actually see results. 18 out of 23 negative accounts removed the first try I couldn't be happier with their services right now. I completed my POA, will etc right away and it was printed, mailed and in a binder ready to be signed, they offer life lock and also SmartCredit which allows you to view your updated credit report and score every 24 hours if you'd like. I am very happy with them and my consultant Monica is the best I can text her any time with questions or concerns and she responds immediately and is very personable and friendly. We are going to get my last 2 years of rent added to my credit line which will raise my score even more, I can't wait. Also, when you call customer service it's always a good experience, they are kind, patient, friendly and beyond helpful.

8 years ago

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M. Graves Chicago, IL

I am absolutely a product of the product. I started my Services in July 2019. In August 2019 my 1 year old Chapter 7 Bankruptcy was deleted from my credit report. Yesterday I opened the mail to my new Discover Credit Card with a $6,500 limit and my score increased 56 points and I am now in the 700 Club with a 746 score. I am totally pleased. The customer service is open 12 hours a day and they are super patient, knowledgeable and fantastic in my book. They got the job done!!

5 years ago

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Jay Reading, PA

I think this company is fantastic, I started with about 15 or 16 derrotory items including a judgement in my credit history. In less than 3 months everything was deleted from my report, that was about 5 years ago. In January 2019 my with out any aparent reason credit score dropped about 100 points to 650, I signed up again this time as an agent and within a month and half about two pages of wrong and no longer relevant information fell off my credit report, for that am great full..

5 years ago

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Regina North Las Vegas, NV

After reading the reviews I was a little apprehensive, I figured my sale rep was just a real smooth talker, But after months of thinking about it and tiered of looking at my raggedy credit score I decided to sign up. Best investment I've made for myself in a long time, I'm so proud of myself. A month and a half into the program credit score shot up 90 points.

5 years ago

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Miley Alpharetta, GA

In the first rounds of disputes, all of medical debt was deleted! I’m so excited, it’s been two months and I already am up 98 points! I see the negative reviews and I’m almost sure those people didn’t do their part. I have NO complaints. I sent my letters right off, paid down a credit card and when my disputes were complete. My score was up and I’m not even done. I’m soooo happy and I will recommend this company to everybody and their mama!! It has been so great, my rep is very knowledgeable and helps me whenever I need it. P

5 years ago

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Jade Bellflower, CA

Great company and their services actually work! My score has gone up 109+ points after being in the program for 7 months. For the value I’m getting, the price is a steal! I mean it’s 12 services for the LESS THAN the price of just Credit Repair somewhere else. The agent that enrolled me is easily accessible and she even checks in with me every 2-3 weeks. Best customer service experience I’ve had with a company! And they really educate you on Credit overall as opposed to just taking my money and signing me up.

5 years ago

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Kristie Eichenberger

I want to Thanks FES for helping me with me credit and protecting me and my family. Its nice to be able to take care of everything under one place and pay only 89.00 for all 12 of these services. When normally i would be spending over 500.00 if i got these service individually. I want to thank my rep for being there as well as the customers. They really show that they care about you.

6 years ago

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Melody Schroeder Starkville, MS

I can’t thank FES enough for restoring my credit and helping me to get myself and my family back on track Financially! I would like to personally thank my FES Agent Justin as he was with me the entire journey! He really cares and shows it! In a 6 month period of time my credit increased from a 549 to a 726! Thank you FES so much for helping me and my family!

6 years ago

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Misty Nolder Rex, GA

I have been with the company for 6 months. I was a 422 credit score now I am 685. Collections, late payments and credit inquiries were removed. I am now in process of being a home owner. 4 months into the program I became a agent. After enrolling 5 people just like me with bad credit my repair services are FREE! So this company should be at the top of list.

6 years ago

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Ameera Alhussein Knoxville, TN

Financial Education Services helped me rebuild my credit. I had so many medical bills for my children and I, I thought I would never be able to overcome it. I couldn't get financed for anything. I signed up for FES 3 months ago and my credit is now a 620!! I am so excited about the other 11 services they also provide!! Travel discounts and planning, rent reporting, and many more :) Thank you FES for helping me build a brighter future for my family! Also, it is month to month so If I ever want to cancel it I can!!!!

6 years ago

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Terry G Irvington, NJ

it is a very good company FES gives you more services then just fixing credit and for that price i would take that any day then just paying to just fix my credit a lot of companies charge way more and only works 1 item at a time each month FES attacks all credit at one time so its so much the fee plus you have a chance to be a agent and help others as well great job FES

6 years ago

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Rebecca Mendoza Phoenix, AZ

My loan officer mentioned this program to me. I'm trying to get my first house soon and I've been really nervous mostly because of credit issues. I had no idea how his would turn out but I gave it a try. After the first round of disputes I had 7 negative items deleted all together on my credit reports. I'm SO glad I gave them a try. I did not think this would be as affective as its been. I am beyond happy with my results so far and feel that its all worth it!

6 years ago

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Ed Carlsbad, NM

This is a great company. I have been very pleased with every aspect of their services. I joined April 2016. My score was at 357! ( Divorce) in a little over a year my score had gone up almost 300 pts! FES gave me and my credit new life. They have repaired my credit when I thought the only way out was a bankruptcy. Personally I dont see why everyone isnt doing it.

7 years ago

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Sarah Lynn Eastchester, NY

Hello everyone utilized the service a year ago. My credit score was below a 550 and was getting turned down from every creditor you can think of. Within that year my score has had a dramatic increase of 134 points. Today I receive all types of offers from a variety of creditors and am happier than ever thanks to Financial Education Services!!!!!! They offer so much more as a benefit in addition to restoring your credit. Best part was that it was included with the service....literally an amazing experience. I would definitely recommend to anyone. Hands Down!!!

7 years ago

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Nate Dillinger Macon, GA

Don't know anything about the other companies, nor did I know anything about this one, before I decided to use them. But in about 45 days more than $10,000 in negative debts was deleted from my credit reports. Plus they are doing much more for me than just repairing my credit. I am now taking advantage of several of their financial services. FES is cool with me.

9 years ago

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Marketing Firm Chicago, IL

No joke i started getting results right away after having my credit pulled!!! this site also says there are no credit attorneys? That has changed!!!!! If you have debt collectors calling you all day they will get them to stop calling FRFR!!! Best thing i could have ever done. Thank you FES!!

4 years ago

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Chiquita Williams Lancaster, PA

My credit score has increased 201 points in 9 months! I never thought I would ever be in this position in my life before. My opportunities are opening up and I'm able to do things I never thought I would be able to do. It's never too late to fix your credit and it's never too bad.

5 years ago

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M.E. White Washington, GA

My daughter enrolled me a few months ago. For the 1st time in my life, my score hit 701. I also got a will and trust, prescrition discounts, id theft protection and more. Their credit attorney stopped,the calls and that was a huge relief. It was just $89 per month so,well worth it. i love the travel savings,too so i wont be. cancelling.

6 years ago

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THOMASINA MARTINEZ Altamonte Springs, FL

I get my credit repaired from FES currently and they are amazingly assertive and quick. My score went up 95+ and i sent out my 3rd set of dispute letters. The process is very easy to follow and my Agents and costumer service is awesome . i have done my research on them i highly advise you get your services with FES if you want to see results.

6 years ago

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Shawn Gilbert, AZ

I became a member because I had 60K in credit card debt and had no clue how to fix it. Within a few months, I was able to purchase a new car with a 4% Interest Rate. My credit score increased over 135 points in a few months. The other services are also great. I discount on a hotel when I was in Las Vegas.

6 years ago

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Tim

FES and United Credit Education are the same company which u have listed as 5th over all.... Maybe more homework should be in order. Great company my score was 568 when I started 12 months ago and now it's back over 807. I'm very please...and I did use the attorney service at my request

7 years ago

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Jaquita W.

This company is amazing! Although the setup fee was $99, it was worth it b/c of all the services you get along with credit restoration as Will, Trust, Life Lock, POA and other valuable services many companies don't offer with their monthly fee.

7 years ago

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Adriana Carolina

This service worked wonders for me and I didn't have to pay a down payment. See the agents have discount links they can apply to waive the fee or at least cut it in half so if they feel you don't have much to work on they won't charge you such a big down payment.

7 years ago

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Lisa Starr Henderson, NV

attended a financial workshop hosted by Financial Education Services, and it was eye-opening the instructors are knowledgeable, and the content is incredibly valuable. I left with a better understanding of personal finance and investment strategies.

1 year ago

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George Halland Los Angeles, CA

My rating is two stars because I believe it’s a pyramid scheme, the company actually pays until some point in time which is the actual scheme plan. From my point of view, I think FES is luring people into paying those fees only to use the money for some private investments, double it up and pay people their commissions which will be like 3-4% of the total registration fee combined with the turn over from the investments be it cryptocurrency or stocks. So basically they take your money invest it and still hold a huge chunk after paying all the commissions be it millions of dollars because they already made double. The only reason a company like this will fall back on payment is if the investment wasn't profitable and the need some more time which is why they always tell new members from the start to bring in more members so they never run dry.(The Pyramid) I was literarily on the internet reading about FES when I found a credit repair company called (spirassp) that changed my life forever. I am a proud home owner with a credit score of 790. This is a popular money making scheme where the more people you bring in guarantees your commission. my sister was a victim and its funny how I tried to tell her getting people to join you will be the only problem. She is currently trying to get a refund and funny she is part of the screenshot that was posted on some website of people who still don’t have a refund. They will eventually pay but when cannot be certain.

3 years ago Edited September 14, 2021

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R.P Conway, AR

I signed up through the agent Ilice J and she didn't care about anything after that. I spent a lot of money and the results I received were horrible. All I did was incur debt trying this service out. I only had two deragotory items on my credit and it was like trying to fight a war. I only received updated results from credit bureaus, never deletions. Everytime I had a general question about the service, after signing up, she was not knowledgeable about anything. She was clueless about the credit process. Ilice told me to contact headquarters and that was if she responded to my calls. Half the time, she had so called personal issues and that was her reason for not returning my calls. Highly disappointed in Ilice J for misleading and FES for poor results.

7 years ago

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Leroy Bradley

I love this company. I am still a new client but my credit score has ready risen about 180 points. This company is great for those people like myself who aren't knowledgeable about the credit world.

7 years ago

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Sha Brooklyn, NY

RUN! This is a scam company. They will take your money and you still have to do all the disputing and mailing yourself. They have robbed me out of 400 bucks. It is over 3 years and I still did not recover my money. Signed up for their services, they continue to deduct 85 a month from my account. They sent me information from my credit report, I could have retrieved online myself, mailed it to me and told me to mail to the 3 credit bureaus. I called to get a refund back, and they refused. I will have them in God's hands. I ended up fixing my credit on my own. I am single parent and need every penny I worked hard for. This is wrong when you scam the less fortunate! I was working with Mr. Orlando from the New York office. I spoke to him about getting back my refund and he completely ignored me. I will still like to get my refund back since I was never able to use your service. Thank you!

3 years ago

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April Jacksonville Beach, FL

I was with the company 9 months and had minimum results. For one of the bureaus I had no results after spending $800 I see no reason to proceed further. Proceed with caution if you don’t see results within 3 months I suggest you cut your loses and there’s no refund after 3 days!

5 years ago

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Gabriel Coro Kissimmee, FL

After giving much consideration I decided to give myself a try with FES. Paying $89/mo for something I could do on my own but not having enough time to invest to contact creditors I left it in FES’ hands. My personal experience was a NEGATIVE. Most of the information on my credit was easily repaired by me contacting the creditors. What got me into bad credit? Not having money saved!! After meeting with a TRUE financial planner I took my $89/mo and invested it plus adding whichever fees FES was charging me my AVAILABLE cash was easily over $2,000 in 12 months!!!! I’d rather have $2K available than to pay FES $1K for a monthly fee. I dealt only with 1 FES rep and I won’t release the reps name since I don’t have their permission. I understand this is their money making BUSINESS but I was not interested on becoming an AGENT to sell a service I don’t believe in. My rep from an actual financial services company met with me and actually helped me correct my financial mess. At the end of the day great credit is good but it DOES NOTHING for you if you don’t have LIQUID ASSETS. Good credit plus having liquid assets is the best way to go. Then again why use credit when you can pay for things cash.

5 years ago

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Tahria Houston, TX

I was with this company over 1 year and I will give an honest review. First of all please don’t get sucked in to the instagram gimmicks they have going on just be realistic. What you see them advertising are scores that has improved over a period of time. I know this because I experienced this. My credit score does not look any different after 1 year but they did get me some deletions but not many. I’m no longer with this company and won’t go back.

6 years ago

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Alice

So far so good. First round received 2 of the letters back and one of my score jumped 63 points (Transunion) and my other score jumped 182 points (Equifax) according to credit Karma!

7 years ago

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Russell Vastine Denver, CO

I went on their website looking for ways to improve my credit score. They have a lot of educational information and want you to understand how to build your credit and how that all works.

3 years ago

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J Tampa, FL

I had 2 Medical bills on my credit and both were removed from my credit within 6 months of using the service! I highly recommend FES to anyone.

6 years ago

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Biddy Queen Creek, AZ

I’m on my second set of letters and my score has gone up 60+ plus. I love all the other services provided. Definitely recommend this company

6 years ago

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Bekir Fort Lauderdale, FL

Don't go there. Their agents not telling truth. I opened account and 6 months I didn't see any differences. They sent me letter to sign and looks not easy. Credit bureaus declined right away. Not professional at all. Please be careful and don't believe their sample customers. Plus when u decide to cancel u have to wait at least hour on the line and they keep transferring different agents!!!

6 years ago

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Shamariancole Plano, TX

Yes I joined this service back in Feb 2018! I was excited to be under them thinking everything was going to be back on track wrong! As my dispute were coming in i made copies and sent them off with no problem! My response came in on one time fell off but everything else was updates! So I mail the response in now my second responses are in still the same no change they deliberately stated that they could fight bankruptcy off even with proof that it has be dismissed liars! I paid 189 dollars for this garbage and 89 thereafter nothing but a ripoff! Very disappointed!

6 years ago

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Rosana Houston, TX

I am very disappointed in myself for signing up with this company to help me improve my credit. They are bad communicating what to expect and what the steps are. Once you give them your credit card information, you don't hear from them. I gave them $600 or $700 for them to do nothing for me. Also their customer service reps have an attitude over the phone. There's no "Let me see what I can do for you or what can I do for you" type of attitude.

6 years ago

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WRENIS MILES Van Nuys, CA

I have used FES services in attempt to restore my credit and they removed 23 out of 3o hits to improve my score by 40 points. I also enjoyed FES other services (Credit Card protection, Debit card, Life Insurance, Lifelock Fraud protection, and a lovely Revocable Will, Living Trust and Power of Attorney)they have been very helpful.

9 years ago

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Ana Charlotte, NC

We have used FES services and we are thrilled with the results and also the other Protection and Will services they offer.

10 years ago

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Brooklyn Entreprenuer Brooklyn, NY

This is another MLM. You can repair your credit yourself, you don't need to pay anyone to do it for you. I just sat through a Zoom webinar and they are not being upfront about what this company really does or its purpose for being in business.

3 years ago

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Joe Miami, FL

Do NOT WASTE YOUR MONEY! they were more concerned with sighing up as an agent so that they could attain their sales quota and even in that you’re left to figure it out your self. As a customer it was even worse. I’ve been calling for over a month to get a full refund as this is what the policy says and I keep getting the run around.

5 years ago

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Jeff Houston, TX

I worked with Luisa D. She literally was dumb as a bag of rocks. She could not answer any questions and consistently had to refer me to corporate or an attorney. Maybe there is someone else within the organization that is better suited?

5 years ago

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Tracy B Rosedale, NY

FES is complete garbage. I have been on the program since July 2018. I was told that in order to see results you have to be in the program for a minimum of 6 months. Its been more than 6 months and my credit score has actually decreased. I will be cancelling this month. Let me save my $89 for something worth it.

5 years ago

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Thomas Banks Oakfield, TN

This company is a scam. I was with them for 4 months and my score actually dropped instead of being raised. FES are a bunch of fast talking scammers. I tried talking to my agent and she would never respond to my messages. Once they get your mone. They act as if you don’t exist.

6 years ago