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The Importance of Good Credit

A good credit rating is the most valuable thing we have when it comes to financial independence. Sadly, the information in our credit reports is often inaccurate. Surveys have revealed that nearly 80% of all consumer credit reports contain serious errors or mistakes of some kind. This prevents millions of Americans from being able to purchase homes, automobiles, and other consumer goods and services. Additionally, many people are paying high interest rates unnecessarily. This results in an endless cycle of high monthly payments, which many consumers cannot afford. Unable to pay their bills on time, they continue adding negative information to their credit report, causing their finances to go in a downward spiral, which can have a devastating effect on their lives.

Because credit reports are widely accessed by lenders, it is important that the information is as accurate and up-to-date as possible. Our Credit Restoration service helps consumers restore their good credit rating and achieve their financial goals. Our proven process is highly effective in producing results that enable our customers to purchase or re-finance a home, buy an automobile or start a business. Our software technology and experienced staff enable us to efficiently process thousands of customers each month while delivering personalized service that is unsurpassed in the industry. Here are some of the features our service offers:


Individualized dispute letters

• 24/7 online access to view the status of all of your negative accounts.
  
• Customer Service call center open weekdays from 9:00 AM-5:00PM, EST.
  
• One time-fee for five full challenge cycles.

How Credit Scores are Used
In addition to evaluating your risk level for borrowing money, credit scores are increasingly being used to determine employment eligibility, insurance rates, and in some cases, the rates charged for utilities. Your credit score is one of the most important numbers in your life. Most scores will range from 300 to 900, with the average American credit score being 677. Keep in mind, the higher your score, the better the terms of the credit you will qualify for.

Below is a breakdown of score ranges and what kind of terms borrowers can expect at various levels:

650 or higher - A score of 650 or above 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 - Scores between 620 and 650 are also very good and typically where most credit scores fall. 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 - This score brings higher interest rates for borrowers. If credit is granted, the process will take longer and will be on less than ideal terms. Borrowers will pay significantly higher interest rates than those in the 700 or higher credit score range, and in some cases, credit may be denied.

For details about how our process works, please click on the Credit Restoration tab at the top of this page. We can help you make good credit a reality, not just a dream. Let us show you how today!

UNITED CREDIT RESTORATION SERVICE...

United Credit Restoration helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams.

Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.

As a consumer you already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at the best possible interest rates. If you have been denied credit, would like to lower your interest rates, or would simply like to remove inaccurate information from your credit reports, our service can help.

Why is our service so important?
Consumers may be rejected for loans or jobs based on mistakes in their credit reports and not even know it. In a recent study, 79 percent of credit reports reviewed contained either serious errors or other inaccuracies in regard to trade account and personal information. What's more, there's a one-in-four chance your credit report contains an error serious enough to cause you to be denied credit.

According to recent data, identity theft strikes more than 700,000 Americans each year and is growing at the mind-boggling rate of 40 percent annually. Our credit restoration service allows you the opportunity to review your credit file and identify and proactively challenge any accounts that do not belong to you.

How does our service work?
Our team of credit analysts will perform a thorough review of all items on the client's credit reports that negatively affect their credit profile and credit score. Our clients will regularly receive customized dispute letters to review, sign and send to Experian, Equifax and TransUnion. Dispute letters may be changed or modified at the individual's request. Clients are strongly encouraged to provide any support documentation that may assist and expedite the dispute process.

Why choose Us?
United Credit is proud to offer the industry's first proactive and interactive customer service. In short, clients receive regular progress reports detailing the status of their credit file, including the number of dispute cycles completed and the number of deleted items. Our customer support team is on hand to personally answer any questions by phone or email, or clients may choose to access their account details on line any time of day or night. Let our professionals work for you. Enroll today and join the thousands of other clients who are enjoying the benefits of improved credit.

To get started, or find out more information, please visit:
https://www.vrtechmarketinggroup.com/VRTechProducts/CreditEduHomepage.asp?curDistUniqID=7.6421503390286E+16&userURL=clindsey&curRepnNName=24844959143991&curvVRepId=409408069862124

The Credit Restoration Process – Step By Step

1. The customer completes the enrollment packet by signing the contract and attaching a copy of the verification for their current address and social security number. The enrollment packet is then mailed to the Processing Center.
The customer may cancel the contract without penalty or obligation anytime prior to midnight of the 5th business day after it is received by the Processing Center.
If the customer is not satisfied after six months or three dispute cycles (whichever occurs first) they may receive a refund less a $125 set up charge and $25 for each negative removed or corrected during the time they were involved in the credit restoration process.

2. The enrollment process begins once the customer contract, payment and address/SSN verification is received by the Processing Center. Acceptable forms of address verification are pre-printed documents which include the customer’s current address (ie: drivers license or utility or credit card bill). Acceptable forms of SSN verification include a copy of the Social Security Card, a pay stub or a W-2 Form.

3. Within seven to ten business days the customer will receive their first dispute packet, which includes:
Welcome Letter.
Compete Explanation of Dispute Process.
A dispute document to reviewed, signed and forwarded to each Credit Reporting Agency.

4. The customer will receive a letter 10 days following the mailing of their first dispute letters to assure that they received their initial dispute package and to explain the dispute cycle process. Every 45 days thereafter the customer will be contacted and reminded to forward all documents received from the credit agencies to the processing center for inclusion in future updates.

5. If the dispute letters require any changes the customer is encouraged to make them on the initial dispute document and forward them back to the processing center. In turn, the processing center will make the changes and forward new dispute letters to the customer for final review.

6. Once the customer is satisfied with the dispute letters, they will sign and mail them to the three credit reporting agencies as outlined in the customer welcome letter.

Additional Customer Benefits :
The duration of the service is approximately eleven months or through the completion of five dispute cycles.

Every 60 days the customer will receive a new dispute letter for each credit-reporting agency from the processing center.
The customer can access their progress report online 24/7, 365 days per year. The customer will also receive a progress report with their dispute packet from cycle two through five.

Important Customer Reminders :
To prevent any delay in the credit restoration service, it is very important that the customer communicate any change of address to the processing center (via fax, mail or email).

The customer must forward any and all correspondence from the three credit reporting agencies to the processing center without delay. Failure to do so may result in inaccurate dispute letters. It is advised that the customer retain a copy for their records.

Are you ready to get started?
CORBIN LINDSEY
(425) 280-9169
corbin@lindseyadvisors.com

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