How can I find out my credit score?
You can get a free copy of your credit report annually from each of the 3 major Credit Reporting agencies by visiting www.annualcreditreport.com
However, this will not include your Credit Score. For a small additional fee you can also request your Credit Score when ordering.
How long does it take to repair my credit?
United Credit Education Services will walk you through each step of the process which includes 5 full dispute cycles with the 3 major Credit Reporting agencies on your behalf! This process can take anywhere from a few months to a year to complete depending on your credit situation. However, substantial results are frequently seen within the 1st dispute cycle or 45 days. Don't be taken by those Credit Repair companies that claim they can repair your credit overnight. Restoring and Maintaining a quality credit score takes time, education and vigilance but the payoff can be life-changing!
Aren't credit repair programs costly?
Many Credit Repair programs ARE costly and can run you into the thousands of dollars! United Credit Education Services is a fraction of that cost! However, the cost to restore your credit is literally a tiny fraction compared to the substantial savings you could get by lowering your interest rates on your mortgage, credit cards and other consumer loans!
Did you know that paying higher interest rates could be costing you
thousands of dollars every year? For every $100,000 on a 30 year
mortgage, each percentage point costs you nearly $15,000 in interest
over the life of the loan! By restoring your credit, you may be able
to raise your credit score and qualify for lower interest rates and
better terms on your mortgage, consumer loans and credit cards!
How does a Short Sale or Foreclosure on my home affect my credit score?
A Short Sale or Short Payoff on your mortgage could bring your score down 80-100 points while Foreclosure can bring down your score as much as 250-300 points!