The United Credit Experts team ensures a hassle-free experience throughout our process. We go above and beyond in our efforts to provide outstanding customer service and client communication. Our team will be with you every step of the way toward achieving your goals.
STEP1
Initial Consultation
The Initial Consultation will go over:
All qualifying questions
Assess your goals, timeframe, and situation
Explain the process of our services
Answer any questions you may have
STEP2
Audit/Plan of Action
After performing a comprehensive evaluation of your credit profile, we will schedule our client on-boarding call. This call will go over your personalized Audit and create our Plan of Action.
Upon completion of the on-boarding call, United Credit Experts’ team will immediately go to work on every account that has been noted as inaccurate, incomplete, outdated, and/or unverifiable as the law under the Fair Credit Reporting Act states.
Other companies tend to dispute only 2-3 items per month for their own reasonings/benefits. We do not conduct business that way. Our programs will guide clients toward achieving better credit profiles and on to their goals as soon as possible. This is not only for customer satisfaction, our referral partners and affiliates rely on a timely service as well.
3 Bureau Audit/Comprehensive Evaluation
Digital Audit/Plan of Action Information Packet
Negative Accounts Added to File
On-boarding Call
Client Portal Account Set Up
First Round of Letters Created
When filing disputes with the credit bureaus, creditors and collection agencies, the correspondence will be mailed to you. These results will need to be forwarded to us immediately. Our team will then analyze the results and respond accordingly. Some clients see results in as little as 1 to 2 months, but most will see maximum results in 5 to 8 months.
STEP3
Resources
Secured cards
Self-lender
Authorized User Accounts (AU)
Merchandise Lines of Credit
It is imperative to start building positive credit history upon enrollment. Depending on your credit profile and goals, we will recommend/provide additional guidance, products, and extra services that can tremendously help your credit score. This is a vital step in our program for building and establishing positive credit history to help our clients reach their goals efficiently. As stated previously, our service requires cooperation from both sides. This step is very important towards getting maximum results.
"The Credit You Need, The Savings You Want"
"Soar with us"
STEP4
FDCPA/FCRA Attorney Assessment
Collection agencies have 386 pieces of criteria they must abide by to stay compliant with federal laws. When these laws are violated, which happens often, they are subject to eliminate the debtor’s debt and pay damages depending on the severity of the claims. This is regulated under the Fair Debt Collection Practices Act (FDCPA). Credit bureaus adhere to the Fair Credit Reporting Act (FCRA).
If you feel you’re experiencing any of these actions listed below, you may have a viable case.
Inappropriate Language or Harassment
False, Deceptive, or Misleading Claims
Stating That Your Credit Score May be Damaged
Mentioning of a Lawsuit on a Small Debt
Contacting Family or Anyone Else About Your Business
Contacting You at Work if You Told Them Not to
Calling or Emailing Before 8:00 a.m. or After 9:00 p.m.
Communicating with a Third Party More Than Once
Identifying Themselves as a Debt Collector to Anyone but You
If They Don’t Comply with Account Investigation Request
Keep in mind, our team will connect you with this attorney. These are just a few instances where cases have been created, documented, and settled. This Consumer Advocacy Law Firm focuses on FDCPA/FCRA/TCPA claims and has settled over 700 cases. The access to this Attorney is 100% free, even if a case is developed, settled, won, or lost. If violations are found, you may be entitled up to $1,000. This can also contribute to 30% of your credit score.
STEP5
FREE Guidance in Debt Consolidation
(Situational Step) United Credit Experts understands that credit repair and building/establishing credit is one piece to the puzzle. This step is only possible if personal qualifications meet the criteria to do so. Consolidating debts can significantly lower minimum monthly payments, decrease interest rates, and pay down the principle of debt at a more accelerated pace. Getting you out of “The Debt Trap!” This aspect alone will represent a large portion of a client’s debt and will have a significant contribution in determining specific terms with any lender for a maximum loan. Whether it’s a mortgage, auto loan, personal loan, or refinance, an underwriter will assess your debt to income upon determining your loan terms. Which is another important factor in justifying the interest rates you will pay on the loan. Consolidating debts can lower your debt in the debt to income ratio.
STEP6
Access to Tax Specialist (20%off)
(Situational Step)
Upon referral, our preferred Tax Specialist will provide a timely service for all tax needs at a reduced rate. Another important underwriting factor is your tax transcripts/returns or, “Income”, in the debt to income ratio. This service will be extremely useful for self-employed clients or for those who may have overlooked/incorrectly filed their income taxes. We will schedule a Free Consultation with our preferred Tax Specialist if your situation presents the need of this service. Another important underwriting factor is your tax transcripts/returns or, “Income”, in the debt to income ratio. This service will be extremely useful for self-employed clients or for those who may have overlooked/incorrectly filed their income taxes. We will schedule a Free Consultation with our preferred Tax Specialist if your situation presents the need of this service.
(Situational Step) Upon referral, our preferred Tax Specialist will provide a timely service for all tax needs at a reduced rate.
STEP7
Completion of the Program
Upon completion of our program, we will refer you to any of our United Partners that may further assist you in your journey. Mortgage companies, loan officers, realtors, auto dealerships, and so on. Just because you have finished our program does not mean you cannot reach out to us about any questions or suggestions in the future. Our team of dedicated enthusiasts ensure that we cater to all of our previous clients.
"The Credit You Need, The Savings You Want"
"Soar with us"
