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.
Your score can make a difference in every aspect of your life.
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.
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.
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.
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.
Americans born between 1981 to 1996 make up over 1/3 of subprime credit scores.
Over this four year period, a total of 659,881 individuals couldn’t avoid filing for personal bankruptcy.
A fair credit score could cost you thousands of dollars in interest over the lifetime of a loan.
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.
Dr. Renaldo O. Epps