Bad Credit Repair

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Building your credit after repeated interruptions is a constant headache we all want to avoid. In this article I am going to break it on down for you, since there are many sources that will take full advantage of you when the opportunity arise. If you feel bad simply because you can’t meet your bills expectations at the moment they arrive, then you are not alone. The fact is, even the best of us are struggling to meet some expectation that the system has placed on us. We calculate weekly the amount we spend on groceries, which are constantly increasing, as well as other bills that are constantly on the rise. It seems at times it is a no win situation, but the fact is there is always a solution to most problems. The problem most times is some of us do not have the means to find those solutions. This brings forth more stress and often we feel that we are alone. If you trying to build your credit status you need to find the resources that can help you get results. The marketplace offers credit repair kits, which can lead us in the right direction to repairing credit, but the disadvantage is that many of the kits are expensive. Let’s face it, not everyone has the money to spend on commodities that claim to help us. Some of us struggle harder than others just to survive. Life is forever changing and in order to keep up with the changes we all have to find a solution. Therefore, I am going to tell you where you can get a free credit repair kit. Your local library stores a wealth of information and it is free to the public. In most libraries that have credit repair kits, credit repair books, or debt management solution books. Anything you want at your disposal and it is all free information. The library also has copy and fax machines often, and if you notice in the credit repair guide or kit, it will have copies of the letters you can write to your creditors. Make yourself some copies and once you fill them out as instructed, you are on your way to repairing your credit. The library also has guides or kits for filing bankruptcy. If you do not see a way out, then you may want to go this route. In most cases, you can do a Pro Bono Bankruptcy, which means you will represent yourself in the courtroom. I just wanted to let you know that if you file a Chapter 7 Bankruptcy, you will have monthly installments to make, but if you file Chapter 13 Bankruptcy then the courts wipe out all your debts. The problem is that bankruptcies remain on credit files for up to ten years or longer. If you can avoid bankruptcy do so, however it is not the end of the world if you do. I know people personally that filed bankruptcy and was able to get loans for mortgage, cars and so on. If you know what you are, doing you can do anything no matter how bad your situation is. Avoid Debt Consolidation, simply because it is means you will be paying fees and costs to others to get out of debt, which only adds up the bills. You might want to consider a Debt Counselor from a respected organization.  It makes sense to check out any business first before spending money or asking for services. The BBB offers free information on organizations, businesses and corporations. Once you have investigated the service then you will know if the people are really trying to help you. Any service that tells you they can get you out of debt in no time at all is pulling your leg. The fact is even when you pay your bills your credit will continue to list all the bad debts, it will only say after the debt listed…Resolved. Finally message while I am thinking about it. It is important to get copies of your credit reports from TransUnion, Equifax, and Experian. You can find any information you need online. Knowing your status in life is the beginning of repairing bad credit. 


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YFL Family Mint

FamilyMint is an award-winning online money management and goal-setting application that offers an engaging way for kids to learn financial responsibility. It’s easy for kids to use, lets them connect their money with real-world meaning, and most importantly, learn by doing. Your UCES Protection Plan membership gives you access to the YFL’s FamilyMint web and mobile interfaces, provides a quarterly financial newsletter “snippet” for kids, as well as detailed information on how to bring the FamilyMint workbook program to your child’s classroom.

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MyCare Plan

When it comes to your health and your assets, you’re used to being in charge. The decisions you make for yourself and your family are important because you know what’s best for you. unfortunately, in the event that you aren’t able to speak on behalf of these decisions, someone that doesn’t understand your wishes can end up making them for you. Without an estate plan in place, these crucial choices regarding YOUR health, YOUR finances, and YOUR family are suddenly out of your control.
Many people disregard planning for unexpected events because they’re “too young,” it’s “too expensive,” or they just don’t realize the importance of each piece that goes into a Will & Trust. MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan.

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WHAT'S INCLUDED

NetWorth

You hear about Net Worth all of the time, but do you know yours? Our Net Worth system makes it easy to track to your assets and liabilities, calculating your current Net Worth. The Net Worth report will track your results over time – and you can update and frequently as you would like! Tracking your Net Worth is a great way to start increasing your Net Worth, allowing you to discover what liabilities you need to eliminate and finding ways to add value to your assets!

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Savings Goals

Looking to save up for a vacation? To build your emergency fund? What about saving for college? Setting goals is the best way to reach them! Our Savings Goal system allows you to create multiple goals, decide when you need to achieve those goals, and choose how often you can save! You’ll then be shown what you need to put away each week or month to hit that goal! Your Savings Goal report will allow you to track your progress, showing you how much of your goal you’ve completed and allowing you to add any additional money at any time!

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Life Insurance

A life insurance policy gives you and your loved ones protection from the unexpected, offering the peace of mind knowing that your family will have financial security at the most challenging time. Symetra, your Term Policy provider, has been in business for more than half a century, operating on a foundation of financial stability, integrity and transparency. Symetra is committed to creating employee benefit products that people need and understand.
To participate in the term life insurance program provided by Symetra Insurance Company, you must be an active 1099 participating representative of United Credit Education Services.

VALUE OF LIFE INSURANCE

Financial Lockbox

If you’re like most families, one person is generally designated to handle the financial aspects of the household. Or, if you’re single, you may be the only person who knows the type and location of your financial accounts. What if your loved ones suddenly found themselves in the position of taking over your finances without warning? Would they be able to locate insurance, bank and financial records in the event of an emergency? My Financial Lockbox is an online solution that enables you to store financial data in a single, secure, password-protected location for easy access by you or loved ones that you select and authorize.

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Your Interactive Virtual Safety Deposit Box ...

Identity Monitoring

InfoArmor leads the identity protection industry with PrivacyArmor®, a proactive monitoring service that alerts you at the first sign of fraud. Get alerts for credit inquiries, accounts opened in your name, unsavory content on your social media account, compromised credentials, and financial transactions. In the event of fraud, you don’t have to figure out what to do — or even do it. Our dedicated Privacy Advocates® fully manage and restore your identity. Our 401(k) and HSA reimbursements, tax fraud refund advances, and $1 million identity theft insurance policy † mean we won’t let your finances suffer.

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†Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Debt Payoff

Our Debt Payoff system is a clear guide on how to more efficiently pay down your debt. Taking into account your debt obligations and interest, the system will show you exactly how to properly allocate your money towards your monthly payments using nothing more than your current income, in order to speed up your debt payoff. This system will show you exactly how fast you can pay down your debt, how much money you’ll save in interest and detail your monthly payment plan to help you achieve your debt payoff goals!

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Credit Monitoring

Manage all your online accounts in one place, integrated with your credit and identity. You can use Action buttons to ask your creditor a question about your account or a transaction. No phone calls or writing letters are necessary. We automatically track and update your account balances, bills coming due and transactions every day. Access your interactive credit report, which is now easy to read, search or find anything quickly, view more or less detail. It also includes your credit score, auto score, insurance score and even a hiring risk index for job seekers. Get alerts to your phone or email that someone opened credit in your name. Then use the Action button to stop the thieves.

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Credit Attorney

We love to help people. We fix people’s credit reports in a legally and trustworthy manner and fight abusive debt collectors. We turn victims into victors as we step into an otherwise unfair fight started by debt collectors, creditors and credit reporting agencies. We are focused on you and not just your case. Our lawyers and paralegals band together to analyze your case and situation from all angles to bring about the best result in the quickest manner. We will work with you to determine your case eligibility and aim to stop debt harassment & clean up difficult to remove credit report errors from your credit file.

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Credit Builder

Understanding how your credit score is calculated and how to read your credit report are the first steps in improving your current standing. Our Credit Education Center offers a wide variety of educational services, credit tips and resources to help you take the necessary steps to enhance your credit score and manage your financial life. Improve your score by identifying the accounts that need immediate attention and why, and understand the impact of the amount of credit you are using.

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Credit Restoration

Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. Work with our credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts. We’ll teach you the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities.

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Budgeting

It’s been proven time and time again that creating a budget can help you pay off debt, save money and put yourself into a solid financial position. Our online budgeting system features a modernized design, with preset categories allowing you to simply fill in the blanks and update along the way. Each month, we’ll track your progress and place it into a budgeting report – allowing you to see the impact of following and maintaining a budget.

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