Credit Repair Skipping to Build

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There are always solutions when it comes to repairing your credit. We sometimes go through problems in life that makes our life hard to manage. Sometimes we simply have to skip ahead in order to get ahead. If you have late bills and see that you can’t meet these expectations be sure to make contact with your creditors letting them know your situation. If you have a situation that has put you out of work due to disability, you can let the creditor know that you will have a pension or other type of allowance coming soon. This will stall your creditors and when you get the money you can put forth the effort to repairing your credit. If you are renting and have showed good payments in the past with your landlord you might ask him/her if they can wait a bit longer on payment so you can get caught up. If you are trying to save money to repair your credit, you might even want to look for a cheaper home to lower your costs. On the other hand, if you own your home, you might want to look into some different options. If you see that your payments are going to be late in the next few months, it is always wise to contact your bank lender. If you made good payments in the past, lenders are often happy to waive late fees, unless it is interest only mortgages. If you appear to have a long-term financial situation your lender may offer a refinance option to help reduce your monthly mortgage payments. If the lender is not willing to help you find a solution you might want to check out other banks. Remember there is always an option. If you run out of revenues you might even consider selling your home. The solution is always best since many people are searching for homes that are repossessed or in foreclosure, or nearing one or the other. Another option is giving the lender the keys and walking away from your obligation. This is an option if you owe more for the home than what it is worth. There are some disadvantages and advantages to any option you choose. The best solution is to estimate your monthly take home pay, and find a solution to making ends meet. When you take out a mortgage a wise man will often calculate all aspects before signing an agreement. Often, many homeowners take out a loan however and neglect to factor in long-term financial situations. This is when it often fails and credit repair goes in motion. For the most part, refinancing or else asking your creditors for an extension is often better than walking away from your debt. Some debtors often hire a lawyer that tells them we can help. The fact is those lawyers will charge you more than you probably owe to help get the creditors off your back. Once your debts are paid, you might need another lawyer to get the first lawyer off your back. Taking the smartest path to repairing credit is always wise. If you see that you are overwhelmed with debt you might even want to consider Bankruptcy. Chapter 7 Bankruptcy is often a better solution than Chapter 13. Chapter 7 will free you from your debts permanently, with the exceptions of any current bills. The problem is when you file Bankruptcy, whether it is 7 or 13 it goes on your credit and you have another problem. In one way you repaired your credit, but by no means are you on the road to building your credit history. Yes, it is true you can often get another car or home with a bankruptcy against you, but, I know that you will be searching high and low before you find the companies that will give you a loan. Bankruptcy stays on your record for ten years. So as you see, sometimes we have to skip ahead to get ahead. Skipping one bill to pay a more in demand bill is not necessary a bad thing. It takes a couple of months before your bills go to the 3 bureaus.

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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.


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.




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!


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!


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.


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.


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.


†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!


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.


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.


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.


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.



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.