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Repairing Credit Ratings to Build Credit

Is your goal to repair your credit rating? Then you might want to consider many factors before getting started on building you credit. Credit is good in many ways, and bad in some ways. Credit puts stress on us simply because we have to maintain a rating in order to get the respect we deserve.… Continue reading Repairing Credit Ratings to Build Credit

Repairing Credit Essentials

There are essentials to repairing your credit and building your history. It depends on your situation, but in most cases you can find a way out of any debt situation. Debt relief is a stressful situation. When times are hard the last thing we need is to add more stress to our lives. Therefore we… Continue reading Repairing Credit Essentials

Repair Your Credit, Build Your Survival Foundation

Why is it important to have good credit? With today’s society becoming more and more business oriented, establishing and maintaining good credit is vital if you plan to do any of the following: Apply for employment Rent an apartment Open a bank account Setup an account with public service or the telephone company It used… Continue reading Repair Your Credit, Build Your Survival Foundation

Putting Your Plastic Problems In One Pile

We know that it’s good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that… Continue reading Putting Your Plastic Problems In One Pile

Put All Card Debt Together And Pay Less

‘Credit card debt consolidation’ is a phrase that you must have come across many times. There are hundreds of sites with advice on credit card debt consolidation. Every now and then your favourite newspaper will also contain an article or advise on credit card debt consolidation. TV channels host discussions on credit card debt consolidation.… Continue reading Put All Card Debt Together And Pay Less

Pre-paid Credit Repair builds credit

If you are having difficulty with your credit score and rating, or having a hard time getting a credit card you might want to consider a pre-paid card. Nowadays it is virtually impossible to purchase anything without a credit card. Lenders today are offering Pre-Paid Visa and Master Cards, which work like credit cards. The… Continue reading Pre-paid Credit Repair builds credit

Plastic Money Problems Create Pressures

Credit card debt relief is what every debt-struck credit card holder is looking for. Credit card debt relief is not just about reducing or eliminating credit card debt; credit card debt relief is also about getting de-stressed.  Credit card debt relief is about working for oneself and not just for the credit card debt that… Continue reading Plastic Money Problems Create Pressures

Options to Avoid in Credit Repair and Building

There are several options available that make people believe it is a solution for freeing themselves of debts. One solution you want to avoid is borrowing money from finance companies. The companies that advances for consolidating loans and requires that you put your home or car up for collateral are often a source for getting… Continue reading Options to Avoid in Credit Repair and Building

No Having A Card Does Not Mean You Have Money

Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another group/line-of-thought that strongly opposes credit cards. The reason being ‘Excessive Credit Card Debt’, which is one of the most serious problems faced by the credit card holders and credit card industry.  However, you can’t… Continue reading No Having A Card Does Not Mean You Have Money

Mistakes Searching For Credit Card Help

Credit card debt can really disturb the peace of your mind. You keep hearing stories about people who run a debt on their credit card debt. Some of these stories are serious and some others are amusing. Here’s an amusing one: The other day I heard a guy tell his story about how he went… Continue reading Mistakes Searching For Credit Card Help

About Us

To continuously develop beyond the financial services offered today, aiding consumers in the achievement of their greatest financial potential and to educate and improve the financial scenarios of American consumers.
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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.

Features

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.

Features

  • Developed by attorneys
  • No add-ons or surprise charges
  • Friendly, customer service staff to answer your questions
  • No annoying sponsored advertising
  • Complete at your own pace from the privacy of your home
  • Mailed to you in a MyCare binder ready to be signed and notarized
  • Peace of mind for life’s uncertainties

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!

Features

  • Easy-To-Use, Preset Categories
  • Keep Track of All of Your Assets
  • Make a Listing of Your Liabilities
  • Simply Fill Out Fields That Apply to You and the System Will Calculate
  • Track Your Progress Utilizing The Net Worth Report

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!

Features

  • Quick and Easy to Calculate
  • Create Multiple Goals at Once
  • Utilize Your Savings Goal Report to Track Your Progress
  • Ability to Add Additional Money Throughout Your Savings Period
  • Optional Text Feature Reminding You to Save

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.

Features

Your Interactive Virtual Safety Deposit Box ...

  • Establish a complete listing of all life insurance policies, bank accounts and other financial data - for your records as well as an appointed contact
  • All your financial documents organized and easily accessible, especially handy at tax time
  • Restore your records easily in case of fire, earthquake or flooding
  • Your data is safe and secure against hackers with our state of the art encryption programs
  • Appoint a contact person to be notified of your records in the event of an emergency

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.

Features

  • $1 million identity theft insurance - If your employees fall victim to fraud, we will reimburse their out-of-pocket costs.†
  • Pre-existing condition resolution - If a participant has a pre-existing identity theft issue, we will honor the full benefits of membership at no additional cost.
  • Enhanced identity monitoring Our proprietary monitoring platform detects high-risk activity to provide rapid alerts at the first sign of fraud.
  • Auto-on alerts Once we receive a participant’s Social Security number, we immediately begin monitoring and alerting.
  • Dark web monitoring Our bots and human intelligence operatives scan closed hacker forums for compromised credentials.
  • High-risk transaction monitoring PrivacyArmor alerts for non-credit-based transactions like payday loans, student loan activity, and medical billing.
  • Social media monitoring PrivacyArmor keeps tabs on social accounts for everyone in the family, watching for account takeover, vulgarity, threats, explicit content, violence, and cyberbullying.
†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!

Features

  • No extra income.
  • No line of credit.
  • No refinancing.
  • No consolidation.
  • No change in lifestyle.

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.

Features

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.

Features

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.

Features

  • A Breakdown of the Credit Scoring System
    Understand the credit scoring system; how it works and how it impacts your financial health and freedom.
  • Credit Management Techniques
    Details on how your financial actions can impact your credit score and how to enhance your current score
  • Education and Resource Center
    Includes a wide variety of educational services, credit tips and budgeting tools to establish and maintain your good credit.

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.

Features

  • Over 10 years of exceptional service, results and satisfied clients
  • Complete customer involvement with review and change to your disputes
  • Monitor your progress online 24/7
  • Live, friendly customer service staff

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.

Features

  • Modernized, Easy-to-Input design
  • Preset Categories Makes It Simple To Track Your Money
  • Save Time by Transferring Previous Data to a Following Month
  • Edit Your Budget From a Month Prior, Prepare Your Budget For 2 Months Forward
  • Budgeting Report to Track Your Progress