High credit scores (currently 740 or above) allow you to buy as much house as you need and at a lower cost. It is essential that derogatory information is removed from your credit report to better position yourself. While you can move into one of our homes without bank financing or down payment, we provide a solution for financial restoration. Therefore, your first step is to enroll in this credit repair service as outlined below. If you haven't already, take a look at the above video to better understand how restoring your credit will allow you to eventually purchase the home in your name.
We have partnered with Financial Education Services (FES) to provide the necessary tools you will need to strengthen your credit and eventually obtain homeownership. Even if you don't buy a home from us, more opportunities will open up when you improve your credit. FES provides the financial education and success training we should have learned as early as elementary school. With almost a 15 year track record, FES (along with their credit restoration company, United Credit Education Services) has assisted in removing close to one million derogatory items from individuals' credit reports. They leverage our legal rights to investigate, dispute and challenge negative items on our credit report. Therefore, any inaccurate, erroneous or obsolete items such as late payments, collections, bankruptcies, judgments, medical bills, etc. can be potentially deleted or updated.
FES will not only help improve your credit. They provide additional incentives with their Protection Plan membership. The FES Protection Plan Membership is an array of vital services with a major emphasis on significantly increasing, maintaining and protecting your credit score, including eliminating debt, building positive trade lines, while safeguarding your identity, family and finances. If you believe protecting your family and financial future is worth $3 per day, then take less than 10 minutes to watch the video and learn about the most powerful membership in America today! You may even earn income by helping other people improve their credit and their opportunities by introducing the FES Protection Plan to them.
The FES Protection Plan includes the following services to ensure protection for your financial future and keeping your family secure:
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Credit Restoration
Our credit education services can assist you in challenging the credit bureaus to remove inaccurate, obsolete and erroneous items from your credit report. Restore your score and maximize your financial opportunities!
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Credit Builder
Access your credit report in an easy-to-understand, online format and utilize our extensive financial library and resource center to assist in increasing your financial potential.
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Credit Attorney
Our attorneys will evaluate your case for difficult to remove, inaccurate items on your credit report. If legitimate, they will sue the agency to clean up your report, in which case you may be entitled to compensation.
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Smart Credit
Your interactive credit report, money manager and financial account alert system. All of your online accounts in one, organized place with transaction and credit monitoring alerts sent straight to your phone!
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FES Debt Zero
Create a financial plan that will give you the exact payment guide to eliminate your debt quicker than you expected and save you from unnecessary interest payments.
LifeLock
Live with peace of mind by knowing that we're searching over a trillion data points every day looking for potential threats to your identity and prepared to restore if you should ever become a victim.
Financial LockBox
Roadmap your financial contacts and information in one central, online location that can be accessed at any time. This organizational tool can be personalized to forward to a contact of your choice in case of emergency.
Life Insurance
Create a sound financial strategy for your loved ones in the case of the unexpected. FES Agents are entitled to a $30,000 term life policy; with incremental increases the longer you maintain your membership.
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MyCare Plan
Protect your loved ones by preparing the same Will & Trust documents you would in an attorney's office, but from the comfort of your own home. Maintain your membership and changes can be made at any time, cost-free.
Discount Shopping
Shop at any of our 4,000 participating online retailers and receive cash back! Feeling generous? You can also donate your cash back directly to the Youth Financial Literacy Foundation.
YFL Family Mint
Implemented in schools across America, you can now bring the FamilyMint online educational portal into your home to enhance financial knowledge among the children in your life.
Rx Discount Card
Simply present your Prescription Savings Card and save 10%-85% on most generic and brand-name medications at more than 60,000 pharmacies nationwide.
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FES Travel
As members of the most prestigious and established travel network in the world- you'll get more, simply by booking through us. The world awaits. Let us take you there.
Health Insurance
Compare plan rates and benefits side by side and find out how much you could be saving on health insurance --- 4 out of 5 consumers qualify for a federal subsidy!
- Credit Report
- Results
- Bankruptcy
- Guarantee
- Customer Service
- Audience
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Who will help me if I have any questions, or do I call you if I have any questions?
You can certainly feel free to call me with any questions or any assistance you need. But I can assure you that our customer service and credit specialists are not only standing by to answer your questions and assist you, but also to guide you through the process and help you to achieve the best credit score possible. It’s a benefit of your service; so don’t hesitate to contact them. Now, upon beginning your service, the company will actually reach out to you either via email or telephone and you can also expect mail correspondence as well. Remember, their client relations and customer service is the very reason they have an A+ rating with the Better Business Bureau and, of course, quality customer service is very important.
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Can you guarantee it will work?
Well, we can’t just come right out and say we guarantee it will work, but what we can say is two things. Number one, the majority of our clients who follow the system and work with our customer service team, achieve positive credit improvement. And number two, we provide a satisfactory guarantee, so basically we get to tell our clients they have nothing to lose, other than their less than perfect credit. So, same for you… You have nothing to lose but your less than perfect credit and that’s obviously what you want. Just remember, if you do nothing, it’s pretty much a guarantee your credit score is going to stay exactly where it is.
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Will these items come back on my credit report?
99.9% of the items deleted from your credit reports will not appear again. In some very small cases, for instance, a collection being resold to a new collection agency, they might reappear under the new collection agency, because it’s a new company reporting it. That’s why, with open collections or late payments, it’s good to speak with one of our credit specialists to walk you through the best way to deal with those types of credit challenges. But the majority of the items that get deleted will not appear again. But also, you’ve got to try and maintain good payment history and continue to develop excellent credit habits so that you can not only get the highest credit score possible, but keep it.
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How long does it take to see results by these items come off my credit reports?
Well, it can vary from person to person. Because of the inconsistencies of the credit bureaus, it’s very difficult to give you a specific timeframe; but we’ve seen people go from the low 500’s to the mid 700’s in 45 days and others it takes several months. And if we can’t help you, remember, we have a satisfaction guarantee. But that’s not going to be the case. The bottom line is we produce incredible results for our clients and I’m sure we’ll do the same thing for you.
There are several factors involved in the length of time the process can take. Such as the type of negative credit items and the length of time they have been on your reports, but again, the results we’ve seen time and time again in the last 10 years have been extremely effective. We’ve seen bankruptcies deleted within the first 45 days, we’ve seen short sales deleted in 60 days, tax liens deleted within 60 days; we’ve seen 14 months of late payments reversed to reflect perfect payment history in 60 days, we’ve seen individuals with 15 to 20 derogatory items on their credit reports deleted within 45 to 60 days and we’ve also seen people, where it takes longer, like 6 months to a year to see those same results. How long have you had these credit issues? If you don’t take action to change it, do you know when your credit score will ever increase? Because doing nothing won’t improve your credit score. Just know that the majority of our clients, who follow the system and work with our customer service team, achieve a positive credit score. -
Can you get my bankruptcy or any other item they mention off my credit report?
Any inaccurate, obsolete or erroneous items can potentially be deleted. So the real question is not whether it can be deleted, it’s a matter of when. That’s why it’s so important to be diligent and consistent, because the longer you’re utilizing the service, the better chance it has of being deleted. Remember, the alternative is doing nothing and that means you can have a lifetime of poor credit and just a ton of wasted money, because there’s no guarantee the credit bureaus will ever take it off.
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What if these negative items really are mine?
The credit restoration process is simply to hold the credit reporting agencies accountable for verifying those items the way the Fair Credit Reporting Act calls them to do. Most people aren’t even aware that about 80% of all credit reports have errors on them. So our focus is as a consumer advocate, to help individuals leverage their rights and make sure that their credit reports are valid.
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Is this legit or is this legal?
I definitely understand why people might be concerned about this, because there are certainly some individuals or companies out there that, let’s just say, are not ethical. And, of course, I’m sure we’d agree that’s the unfortunate truth about any industry, but let’s put that aside for a second. There are two things to understand which will make you feel very comfortable and confident in both the United Credit and Financial Education Services. The first, that credit restoration is a very legitimate and legal process. Back in 1970, the Fair Credit Reporting Act was formed to protect consumers and give them the right to investigate or dispute any item that is on their credit report because, oftentimes, credit reporting agencies don’t verify items as they should, and this act was created to hold those agencies accountable. Secondly, Financial Education Services and United Credit Education Services, who acts on your behalf to provide the service, have a very long-standing history and track record since 2004, are accredited with the Better Business Bureau and have an A+ rating. I’m sure you’d agree that if we weren’t legitimate, we probably wouldn’t have those kinds of credentials.
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How long do I have to stay on the service or pay this monthly fee?
Well, how serious are you about your credit score and protecting your family, assets and finances? Let me explain it in simple terms. This is like a gym membership; if you were going to a gym and, let’s say it took 6 months to get in great shape, feel good, be healthy and look good. But then in 6 months, you dropped your membership. Wouldn’t you lose everything you worked so hard to gain? So you have to look at this like your financial gym membership. First you have the building portion of your membership to get strong and then you have the maintaining portion of your membership to make sure you keep everything you worked to gain. So consider this a lifetime membership although, just like a gym membership, there’s no obligation or contract, so you have the flexibility to not have a membership. However, at this point, you should just consider it a lifetime membership, but let’s get you using all of the services in the membership and then we can revisit the options in at least 6 months.
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The FES Protection Plan is for everyone. A partial list of those beneficiaries is shown below:
- have less than perfect credit.
- have debt and no idea how to pay it off.
- don't have their personal and financial affairs in order.
- just want a solution and plan of action.
- works in credit related industries. (real estate, mortgage, auto, banking)
- does not have a will, trust or power of attorney.
- aren't where they want to be in life.
- dislike their current job and are looking for a career change.
- need to make more money.
- is looking for a part-time or full-time income.
- can't afford an annual vacation.
