SlideShare a Scribd company logo
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Our Mission ,[object Object],[object Object],[object Object],[object Object]
Company Overview ,[object Object],[object Object],[object Object]
How Credit Affects You ,[object Object],[object Object],[object Object],[object Object]
The Three Major Credit Reporting Agencies ,[object Object],[object Object],[object Object]
What do the credit reporting agencies (CRA’s) do? ,[object Object],[object Object],[object Object]
Are Credit Reports Accurate? ,[object Object],[object Object]
How do these errors occur? ,[object Object],[object Object],[object Object],[object Object]
Who regulates the credit reporting agencies? ,[object Object],[object Object]
What are Credit Scores? ,[object Object],[object Object],[object Object],[object Object]
Other Names for Credit Scores ,[object Object],[object Object],[object Object]
650 or higher  -  Indicates a very good credit profile. People falling into this range will usually be able to obtain credit quickly and at a good interest rate .  620 to 650  -  The range which most credit scores fall. However, these consumers may find that potential creditors could require additional documentation for larger loans and the loan process may take longer as a result .  620 or less — May mean higher interest rates for borrowers. This does not mean that credit will be denied. The process will probably take longer and will be on less than ideal terms.   The following table is based on a $100,000 30-year fixed mortgage from myfico.com. How Credit Scores are Used   $835 9.419% 580-619 $909 10.430% 500-579 $637 6.578% 660-699 $604 6.072% 760-850 Monthly Payment Interest Rate Credit Score
What makes up your credit score? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What’s not in your credit score? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
UltraScore ™
What is UltraScore ™? ,[object Object]
UltraScore ™  will enable you to: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What you get with UltraScore ™   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Establishing Good Credit
5 ways to establish credit ,[object Object],[object Object]
5 ways to establish credit (continued) ,[object Object],[object Object],[object Object]
Our service We help eliminate any inaccurate, erroneous and obsolete information reporting in your credit file
Service Features  ,[object Object],[object Object],[object Object],[object Object]
Step 1: Enrollment ,[object Object]
Acceptable Address Verification: ,[object Object],[object Object],[object Object]
Acceptable forms of Social Security verification: ,[object Object],[object Object],[object Object],[object Object]
The Initial Packet contains: ,[object Object],[object Object],[object Object]
Step 2: The Dispute Letters ,[object Object],[object Object]
Step 3: The Dispute Process ,[object Object],[object Object]
Step 4: Credit Bureau’s Response ,[object Object],[object Object]
Step 5: Another Round of Dispute Letters ,[object Object],[object Object],[object Object]
Customer Progress ,[object Object],[object Object],[object Object]
UCES Online ,[object Object],[object Object],[object Object],[object Object]
 
 
The Progress Report tab will show the customer’s accounts and their current status
The Processing Report tab will show the customer’s accounts and their current dispute printing status
Get the good credit you deserve!  Restore your credit and change your life forever!  United Credit Education Services

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Get the Credit You Deserve

  • 1.
  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7.
  • 8.
  • 9.
  • 10.
  • 11.
  • 12. 650 or higher - Indicates a very good credit profile. People falling into this range will usually be able to obtain credit quickly and at a good interest rate . 620 to 650 - The range which most credit scores fall. However, these consumers may find that potential creditors could require additional documentation for larger loans and the loan process may take longer as a result . 620 or less — May mean higher interest rates for borrowers. This does not mean that credit will be denied. The process will probably take longer and will be on less than ideal terms. The following table is based on a $100,000 30-year fixed mortgage from myfico.com. How Credit Scores are Used $835 9.419% 580-619 $909 10.430% 500-579 $637 6.578% 660-699 $604 6.072% 760-850 Monthly Payment Interest Rate Credit Score
  • 13.
  • 14.
  • 16.
  • 17.
  • 18.
  • 20.
  • 21.
  • 22. Our service We help eliminate any inaccurate, erroneous and obsolete information reporting in your credit file
  • 23.
  • 24.
  • 25.
  • 26.
  • 27.
  • 28.
  • 29.
  • 30.
  • 31.
  • 32.
  • 33.
  • 34.  
  • 35.  
  • 36. The Progress Report tab will show the customer’s accounts and their current status
  • 37. The Processing Report tab will show the customer’s accounts and their current dispute printing status
  • 38. Get the good credit you deserve! Restore your credit and change your life forever! United Credit Education Services