Credit Restoration FAQ

How long will the process take?

Results vary depending on the type or number of inaccurate accounts, as well as the cooperation received from the credit agencies and YOU, our partner. Older and invalid accounts on credit reports may not take as long to resolve as inaccurate Tax Liens and Bankruptcies that require more research time. The key is persistence.

THE PROCESS

·  Customer will complete the application.

·  Customer will provide a copy of an address verification and Social Security verification. (See acceptable forms below.)

·  The processing center will create dispute letters based on the review and analysis of the customer's credit reports.

·  The processing center will mail the customer a dispute letter for each credit agency. (Customers must inform the processing center if their primary address changes during the restoration process. New address verification will be required at that time.)

·  Customers can make any changes, addition or deletions on the dispute letter and return it to the processing center. If no changes are required, the customer will sign each set of dispute letters and mail it directly to the credit reporting agencies.

·  The customer must forward any information they receive from the credit agencies to the processing center.

·  Every 60 days the customer's file will be reviewed, and a new dispute letter will be created. The new dispute letter will again be forwarded to the customer to review, sign, and send to the credit agencies.

·  The process will continue until their service contract expires.

Where do I send the information I receive from the credit agencies?

United Credit Education Services.

P.O. Box 130

Farmington , MI 48332

Appropriate forms of address verification include:

Copy of driver's license if the address matches application
Preprinted bill that includes customer's name (cable, utility bill)
Pay stub (showing all 9 digits of SSN)
W2 form

* Customers must inform the processing center if their primary address changes during the restoration process. New address verification will be required at that time.

Appropriate forms of Social Security verification include:

Copy of Social Security Card
Pay stub (showing all 9 digits of SSN)
W2 form

Is the customer required to take any part in the dispute process?

Yes. It is imperative that the customer takes an active role in the credit restoration process. We require customers to be active participants, as the information they provide will help prepare their dispute documents. Customers must send all correspondence they receive from the credit agencies to the processing center to be recorded and become part of their permanent file. Remember, this is truly a partnership endeavor.

How often will the customer be contacted and informed of their progress?

Every 60 days, each customer’s file will be reviewed. Based on the documentation received from the customer during that period of time, (credit report updates and letters from creditors), a new set of dispute letters will be generated and forwarded to the customer to review and sign. Along with the new dispute letters, the customer will receive a status update report showing the progress and deletion of any accounts to date. Customers can also access United Credit online at www.united-credit.org for an up-to-date account status.

Who do I contact with questions regarding my account?

Each time a customer receives a dispute letter mailing, a progress report detailing the customer's status will be enclosed. If further information is required, the customer may contact us through the following methods:

United Credit Education Services.

P.O. Box 130

Farmington , MI 48332

Email: CustomerSupport@united-credit.org

Fax: (248) 848-9140

Will the credit bureaus respond to all of the disputes I send them?

The credit bureaus are required by law to respond to all correspondence. It is not uncommon for credit agencies to send letters stating they want more information, or that they will not re-verify an account. Customers should not be alarmed if they receive them. Customers must continue to send all correspondence they receive from the agencies to the processing center.

How long will it take the credit agencies to respond after I send them my dispute letters?

After the credit agency receives your dispute letter, they are obligated to investigate and research your request. To do this, they must contact the creditor involved for each item you dispute. This process will take approximately 30 to 45 days. If the credit agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 60 days.

When I receive my dispute letter, can I make changes and add information?

Absolutely, any additional information that the customer would like to provide will help expedite the credit repair process. Simply write on the dispute letter any changes or additional information you may have regarding any specific account, and forward it to the processing center. The processing center will make the necessary corrections on the dispute letter and forward the customer a revised copy to sign and send to the credit agencies. Remember, this is a partnership.

Can I continue the process after my contract expires?

Yes. Contact your sales representative or UCES. Due to the increased number of identity fraud cases reported annually, it is recommended that you continue your service to monitor and review your credit reports on a quarterly basis. This will ensure your reports remain accurate and that no new information is added without your knowledge.

Are refunds offered if I am not satisfied with the service?

Yes. Customer satisfaction is very important to us. Customers will be charged an initial $125.00 set up fee, and $25.00 for each negative account removed or corrected during the time they were involved in the service. (Customers must remain in the program for a minimum of six (6) months or must complete three dispute cycles. Any remaining money from these deductions for the service will be refunded to the customer.

Can I apply for credit during the restoration process?

It is strongly recommended that customers do not apply for credit during the dispute process.

What does a credit score mean?

Fair, Isaac and Company of California in 1956 pioneered the field of Credit Scoring for financial institutions. Today, every credit agency and most lenders
calculate your credit score (FICO) using their software.

What does my credit score have to do with the lending decisions?

The homogeneous scoring system provides lenders with a “picture” of your credit health, i.e. number of accounts or inquiries, payment performance, public records, bankruptcies and collections. These are formulated to produce a 3-digit score between 300 and 850. Your FICO score determines the level of lender risk.

What do credit reporting agencies do?

Credit reporting agencies report your payment history/performance to credit reporting companies who assimilate that information under the FICO format. This information is then sold to LEGITIMATE users.