United Credit Education Services claims to be the leading credit restoration company. They specialize in helping people improve their credit by legally removing late payments, collections, bankruptcies, foreclosures, and other negative items from credit reports. Their experienced professionals use the latest technology and legislation regarding the Fair Credit Reporting Act to hold credit reporting agencies accountable. Having good credit is important as over three quarters of lenders use credit scores to determine loans, interest rates, mortgages, insurance rates, and even employment eligibility. Millions of negative items have been removed from other consumers' reports, so the company asks why the reader shouldn't also improve their credit and start saving money.