UCESPP Protection Plan

Credit Restoration

Your credit score is the biggest factor in how your finances affect your life. Having a higher score saves you money, time, and the stress that comes with financial struggles. Because we want you to succeed, UCES works with you to dispute any inaccurate, obsolete or erroneous accounts on your credit report.

The simple Credit Restoration process can have a huge effect on your family’s financial future. Lower your interest rates, avoid high late fees, save money, and advance your credit opportunities with UCES.

Did you know?

Your score can make a difference in every aspect of your life.

34.8% of American consumers have subprime credit scores.

A subprime FICO score is between 580 and 669. These subprime scores are considered “fair.” While not the worst scores possible, this range can mean a higher-than-average interest rate when making major purchases.

~ (Experian)

22% of American consumers do not have a FICO credit score.

FICO scores are determined by having at least one account that is six months or older. People who have no existing accounts are essentially credit invisible.

~ (Fool)

25% of average individuals do not know how to improve their credit scores.

Knowing your credit score can help you figure out what you need to do to improve your financial position. It can also help you set realistic goals for how much purchases can really cost you, based on your interest rate.

~ (ConsumerFed)

About 20% of American consumers have been delinquent for more than 30 days.

1/5 of all American consumers regularly pay their bills a month or more after they are due. This can have a major negative effect on a person’s credit score.

~ (Bad Credit)

37% of subprime scores are represented by millennials.

Americans born between 1981 to 1996 make up over 1/3 of subprime credit scores.

~ (Experian)

From 2016 to 2020, over 650,000 individuals have filed for bankruptcy.

Over this four year period, a total of 659,881 individuals couldn’t avoid filing for personal bankruptcy.

~ (US Courts)

What's your credit costing you?

A fair credit score could cost you thousands of dollars in interest over the lifetime of a loan.

Select loan	Loan Amount	Fair Credit Score 580-669	Very Good Credit Score 740-799	Total Interest
Mortgage Loan	$253,435	$261,076	$219,660	$41,416
Credit Cards	$3,668	$6,097	$3,102	$2,995
Personal Loans	$11,342	$6,325	$2,889	$3,436
Auto Loan	$25,346	$7,471	$3,625	$3,846
Student Loan	$35,208	$8,640	$3,933	$4,707

Disclaimer: Analysis based on Q3 2019 anonymized Lending Tree data, My LendingTree and CompareCards consumer loan and debt data.

Work on your credit score by disputing inaccurate, obsolete or erroneous credit report items.

Communicate with the bureaus and the UCES team directly to get the best results.

UCES Customer service is available to answer all of your questions, M-F, 9am-5:30pm, ET.