FAQ

Who is UCES and how long have you been in business?

UCES is a Michigan based company that has been in business since 2004. At UCES we understand the relationship between your credit score and your financial wellbeing, which is why we are here to help consumers repair and improve their credit with comprehensive and personalized credit repair services. Through personalized client dashboards, 24/7 access to financial tools, credit monitoring, and a dedicated team of experts, our products are designed to identify and correct errors on credit reports that may be negatively affecting consumer’s credit scores. Understanding and navigating through the credit process can be Credit can be complex and confusing, but our team is here to help you manage your credit so you can focus on achieving your financial goals.

How does it work?

The UCES Protection Plan is designed to support your financial future by implementing positive habits to create and maintain a strong financial future. In the spirit of that mindset, long-term Protection Plan members will receive Rocket Lawyer services after their third payment.

How can I reach my sales agent or the customer service?

The contact information for your sales agent along with the corporate office, is located under the “Contact Us” tab. You may also reach us at 248-890-6951 Monday thru Friday, 9am to 5p, ET.

Is credit repair legal?

Yes. It is your right to assure the accuracy of the information on your credit file. If the data on your credit reports is not accurate, you have the right to request that the erroneous, obsolete, or inaccurate data be removed. The Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act provide you the legal right to dispute inaccurate items on your credit report with both your individual creditors and the credit agencies.

How Long Does It Take To Improve My Credit?

This will be determined by many factors the number of inaccuracies on your credit file and your ability to rebuild your credit. The dispute letter process generally lasts 6-9 months, however the time it takes to restore your credit can take longer.

To speed up the process, make sure to continue to pay all of your bills on time to avoid the possibility of a new late payment. Additionally, pay down or eliminate as much credit card debt as possible to improve your credit utilization ratio.

How will I know how I am doing?

You can view your online account at any time as well as check your progress thru our Smart Credit program.

What additional steps can I take to improve my credit score?

1. Pay off revolving credit
2. Request higher credit limits
3. Apply for a secured credit card or secured loan
4. Become an authorized user
5. Remove erroneous or obsolete information from your credit file
6. Limit unnecessary hard inquiries

Do you offer identity theft protection?

Yes, we offer identity monitoring thru InfoArmor, an industry leader within the identity protection community. Features include identity theft insurance, auto alerts, dark web monitoring, high risk transaction monitoring and social medial monitoring. It even covers pre-existing identity theft issues.

Can I receive text notifications regarding my service?

Yes, the UCESPP APP is available for both IOS and Android devices.

What do you offer in terms of will and trust preparation?

We have you covered! MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan. Services include a Last Will, Living Trust and Health Care and Financial Powers of Attorney.

Are legal services offered?

Absolutely. Long term members receive the benefit of Rocket Lawyer, which provides legal documents, digital signatures, and legal consultations, all part of your enrollment.

How do I reset my password?

To reset your password, visit our website at ucespp.net, at the login tab, and enter the email address associated with your UCESPP account. We will then send you a password reset email to that email address.

How do I update my account information?

Select the User Profile Icon on the top right corner of the webpage to update your personal information such as your name, address, cell phone number or password.

How do I update my payment information?

Your payment information can be updated under the Manage My Membership tab.

Will I be locked into a contract?

No, there is no contract. You can cancel your services whenever you’re satisfied.

How long will it take for me to start seeing results?

Great question! Every customer is unique, so your results may vary. Many customers begin to see results within 45-90 days. We also have à la carte products in place to help you improve your credit in multiple ways.

Can I make changes to my Will & Trust?

Yes, as long as you’re an actively enrolled Protection Plan customer, you can make unlimited changes.

How long will I need the services?

Every customer has different profiles. Some may need the services longer than others. We recommend staying on the services for 6-8 months on average for optimal results.

Will you help me with debt management?

Our Debt Zero product will allow you to pay down your debts according to the interest rates and balances owed, allowing you to pay your debts down faster.

Will someone be available to answer my questions while I’m enrolled in the program?

Yes, you’ll have access to our team of experts in our Customer Support Department Monday-Friday from 9am-5:30pm EST.

How can the Credit Attorneys help me?

Our Credit Attorneys can assist you with debt harassment, credit reporting errors and with identity theft issues once you’re an actively enrolled customer.

Will you teach me how to maintain my credit and finances?

Yes, we are a true financial literacy organization, and we focus on helping our customers become financially literate. You’ll have access to tools to maximize your experience.