UCESPP Protection Plan

Credit Builder

Understanding how your credit score is calculated and how to read your credit report are the first steps in improving your current standing. Our Credit Education Center offers a wide variety of educational services, credit tips and resources to help you take the necessary steps to enhance your credit score and manage your financial life. Improve your score by identifying the accounts that need immediate attention and why, and understand the impact of the amount of credit you are using.


  • Customizable documents and letters to creditors.
  • Credit-building tips and techniques.
  • Financial literacy quiz.

A Breakdown of the Credit Scoring System

Understand the credit scoring system; how it works and how it impacts your financial health and freedom.

Credit Management Techniques

Details on how your financial actions can impact your credit score and how to enhance your current score

Education and Resource Center

Includes a wide variety of educational services, credit tips and budgeting tools to establish and maintain your good credit.

Customers Reviews

It let me see everything that is on my credit report & the process

Gwandell Payne

I love how it gives me tips to rebuild the credit

Tasha Glass

I love the credit builder. Before I had access to this tool I never knew exactly what was on my report or what to do to fix it but since starting to use it I’ve seen an increase of over 250 points

Anthony Cortelli

The credit builder simulator system changed the game for me and my family. It positioned me to pay off my credit cards and lowered my utilization percentage which increased my credit score 104 points in 22 days. UCES changed my life!

Dee Brown

It’s helped me learn how to manage my money, credit and wealth. Thank you for all the great information.

Elvis Espinoza

I enrolled into credit my rent and within 3days my rent got approved and was ready to be reported! My score has went up 97 points since reporting my rent monthly!!!

Kristen Shannon

I love this software program it is very valuable to me and helping me achieve great credit

Alicia Childress

I love UCESPP because it helps me build my freedom.

Olivier Louis

This product gives great advice!! It guides you to what needs to be done to build your score.

Holly Avant

This application is very convenient to know my credit the negative items

Sagly Sanchez

I love the fact that I learned so much about Credit Builder and got letter samples for the things I need to know in order to better my financial and credit life.

Barbara Chang

I like it because I can have control of my finances and open to my goals

Eneida Diaz

Such a great tool, amazing results!

Dymeisha Banks

I love the product it really help me with my credit .

Shekiera Jackson

I learn how to rebuild my credit with the debt pay off system as well.

Nina Johnson

I love how accessible credit builder was & all of the information that I learned to be able to share with others.

Natausha Williams

I love the credit builder, it allows me to learn and build my credit at the same time.

Andy Dieuveille

I love the information that was provided!!!! Building credit with secured cards and getting card unsecured in 3 months

Katurah Spencer