United Credit Repair

1. United Credit
Education
Services

2. Our Mission
Our service works with consumers to dispute any
inaccuracies on their credit reports with the three
major credit reporting agencies to help them
obtain an error proof credit report.
Our staff has over 25 years of experience
successfully helping hundreds of thousands of
consumers regain financial control of their lives
and improve their credit profiles.
Our goal is to restore the customer’s purchasing
potential so they can afford to buy a home, start a
family, travel, invest or start a business.
Let us help you make good credit and financial
independence a reality, not just a dream!

3. The Fair Credit Reporting Act of 1971
The Fair Credit Reporting Act (FCRA) was
passed by congress with the intention to
regulate the credit reporting agencies and
promote the accuracy of the information in
consumer credit reports.
The Act spelled out all the rules and
regulations that the credit-reporting agencies
had to follow before they added anything to a
consumer’s credit report. Information about
“you” has to be accurate and verified before it
is entered on your credit reports.
The Federal Trade Commission is the
government agency responsible for enforcing
the FCRA

4. The 3 Major Credit Reporting Agencies (CRA’s)
Experian (Fair Isaac Corporation)
Equifax (Beacon)
TransUnion (Empirica)
What do the CRA’s do?
Collect and maintain information about consumer’s
credit history. This information is obtained from
banks, credit card companies and various financial
institutions.
The CRA’s sell this information to lenders and other
creditors.
The CRA’s are not part of the government.

5. What’s the definition of “inaccurate,
erroneous, or obsolete?”
 Inaccurate information is any information that
cannot be verified by the CRA and/or the creditor
grantor.
 Erroneous information is any information that
has been entered onto a consumer’s credit report
due to human error (data entry error), Social
Security Number mismatch error, mixed file error,
similar name error. “reasonable procedures” were
not followed when the information was entered on
the credit report, or any such related error. This
happens more often than you think!
 Obsolete information is any information that is
beyond the industry standard of seven years; or ten
years for bankruptcy.

6. Are Credit Reports Accurate?
 Nearly 80% of all consumer credit reports have significant errors
 25% of which are serious enough to potentially result in a credit
denial
 These errors could affect credit scores by 50 points or more
How do these errors occur?
 Loans, payment data or credit card information is applied to the
wrong account
 When filling out credit applications with different names, i.e., Bill
Smith versus William Smith
 Your Social Security number was entered incorrectly on the
application
 A clerical error was made when the lender transferred the data from
the application

7. What Are Credit Scores?
 A method that uses statistical models to evaluate
your credit worthiness
 Reflective of a borrower's past payment history,
outstanding credit balances, and available credit
capacity at a given point in time
 Creditors use these scores, known as FICO scores,
when deciding whether or not to offer credit to
consumers
 FICO scores range from 300 to 850 points

8. What Makes Up Your Credit Score?
 5 key components to your credit score
Your buying and bill paying habits (35%)
Amount of credit you owe versus your
available credit (30%)
The length of your credit history (15%)
Types of credit used/your credit mix (10%)
New credit that you are applying for (10%)
How Credit Affects You
The interest rate you pay on credit cards and loans
Your ability to get a checking account
Rates on your auto insurance
Employment

9. 5 Ways to Establish Credit
1. Apply for a gasoline or department store charge. These
are usually easier to obtain than other credit cards.
2. Apply for a secured credit card. You will be required to
deposit a specified amount, usually $300 to $500 dollars into an
account in their bank, and you will be issued a major credit card
in the amount of the deposit.
3. Take out a small loan from your credit union or bank.
Deposit the money into your savings account and pay the loan
back monthly.
4. If you currently have credit, ask your creditors to
increase your credit limit. This will improve your credit
utilization ratio thereby improving your credit score.
5. If you do not have a checking and savings account,
apply for both. Having these accounts establishes you as part
of the financial community and allows you to manage your
money.

10. Secured Credit Cards
One of the best ways to establish credit
You will be required to deposit a specified amount,
usually $300 to $500 dollars into an account in
their bank, and you will be issued a major credit
card in the amount of the deposit.
Report every 30 days to the credit bureaus
Downfalls of these cards:
If payment is one day late, additional fees of up to
$40
Over-the-limit fee of $40
Potential for the account to spiral out of control

11. Collection Agencies
Governed by the FTC
Operate within the Fair Debt Collection Practices
Act, which protects consumers from illegal debt
practices
Debt collectors, whether a company or an
attorney’s office has to validate the debt
Collection agencies could add unauthorized fees to
the original amount that was charged off

12. Cost of an Auto
Total Cost Over the
Monthly Cost Annual Cost Lifetime of the Lease (5
yrs)
Car Payment $800 $9,600 $48,000
Car Insurance (w/ $300 $3,600 $18,000
poor credit)
Maintenance/Repairs $300 $3,600 $18,000
Gasoline $500 $6,000 $30,000
Total $1,900 $22,800 $114,000
This SUV ends up
costing $1,900 per
month

13. OR… Invest in your future
This house sold for nearly $1 million in 2005
Foreclosure price of $375,000 in 2008
FHA loan: 580 credit score with 6.25% rate
= Monthly price of
$2,100
* Not actual photo.

14. Budgeting Averages based on a month
Rent/Mortgage payment $1,200
Car payment ($400 x 2 cars) $800
Insurance (car, life, health) $300
Groceries (for family of 4) $800
Gasoline (2 cars) $700
Car maintenance (2 cars) $300
Dry cleaning $100
Cell phone bill $100
Cable bill $100
Other utilities (electric, gas) $200
Credit card bills $200

15. Budgeting
 Total monthly critical expenses = $4,800
 Take-home net income = $6,000
 Remainder money
 $6,000 - $4,800 = $1,200
UltraScore™
 UltraScore™ is an educational tool designed to help you
understand and maximize your credit score by providing a
detailed analysis of your credit report.
 Retail price of $149 for one year of unlimited access to the
UltraScore™ Web site, which includes:
 Credit Education Center
 Forms and budget sheets
 Budgeting calculators
 Debt recovery information
 Total cost of $12.42 per month!

16. Our Service
We help eliminate any inaccurate, erroneous
and obsolete information reporting in your
credit file with five dispute cycles
Our process combines the latest technology
with personalized attention that gets results
Receive regular updates on the progress of your
file, reflecting any deletions, additions or
alterations
Our active customer support is available to
service your needs and answer your questions
Monday – Friday, 9:00 AM-5:00 PM, EST at
248-848-9065
Access your progress report online 24 hours a
day, 7 days a week, 365 days per year

17. UCES Step-by-Step
1. Contact your FES sales agent or visit their Web site
to complete our simple online enrollment form.
2. After obtaining your credit reports, customized
dispute letters will be prepared and sent to you for
your approval. We are happy to modify dispute
letters when needed. This is especially helpful in
the case of mixed credit files among family
members, identity theft, or account information
that has not been updated in regard to balances or
payoffs. Clients are strongly encouraged to attach
any support documentation to their dispute letters
that may assist and expedite the dispute process.
3. The credit bureaus will mail back a response within
30 days of receiving your dispute letters. Responses
will be sent directly to you so you can see the
results as they occur.

18. UCES Step-by-Step, continued
4. It is imperative that you forward your updated credit
reports to our offices to ensure that we are working with
accurate information and add any new items, should
they appear, to your next set of dispute letters. Your file
will be updated and your next set of dispute letters will
be prepared and mailed to you.
5. New dispute letters will be sent to you approximately
every 60 days until your service expires.
6. Though we can’t guarantee that every derogatory
account from your credit file will be removed, we will do
our utmost to improve your credit, and educate you with
proven techniques on re-establishing your credit.
7. Our Customer Support Department is happy to provide
additional information to improve your credit score, and
help to build and maintain your credit file. We are
committed to providing you every assistance possible to
help you reach your credit goals.

19. UCES Actual Client Results

20. UCES Online: www.united-credit.org

21. UCES Online: www.united-credit.org
 Clients can effectively manage their credit and
credit decisions before and after our service.

22. UCES Online: www.united-credit.org
Login: Customer’s Social Security number
Password: The last 4 digits of the customer’s SSN

23. UCES Online: www.united-credit.org

24. UCES Online: www.united-credit.org
The Progress
Report tab will
show the client’s
accounts and
the current
status of each.

25. UCES Online: www.united-credit.org
The Processing
Report tab will
show the client’s
accounts and the
current dispute
printing status.

26. Get the good credit you deserve!
Restore your credit and change your
life forever!
All for the low price of
$499
to include money-back guarantee!
United Credit Education Services