office (201) 303-6187
fax (973) 688-6839
toll-free (888) 974-5625

 

Credit Repair:
 The New Profession

The below "QuiK News" is from 2007. 
 

The price of our product has not changed since that time.  Credit Restoration with other companies will be 2 to 10 times more than our price.  We offer consistent results and piece of mind that is only achieved when you place your trust with SeaySon Enterprise an independent agent of United Credit Education Services and the Financial Education Services Marketing Group.
 

United Credit Education Services Launch’s MyCare™

Saturday, December 01, 2007
December 10th Tri-Star Consulting Group strategic partner United Credit Education Services will launch its new program MyCare™ Wills and Trust. MyCare™ is a program for consumers that do not have a Living Will, Living Trust or a Financial Power of Attorney. 
 
This program will allow for the client to complete the required information online. A typical average cost for this type of service can range anywhere from $1500.00 to $3000.00 depending on the amount of time spent with an attorney. The cost for our program will be $499.00.
 
The addition of this product to the UCES product line according to UCES Partner, Mike Toloff “Is apart of the strategic plan to make UCES a complete financial services company” Mike also stated “This product has received a very positive response from Corporate entities that were sampled.”
 
United Credit Education Services, a credit repair company started in 2004 was originally denied BBB membership to do the nature of its business being in the credit repair industry. “The BBB had issues with so many credit repair scam companies in the credit repair industry that they were not allowing credit repair companies to become members” said Mike Toloff, “We told them to watch us and see how we conducted business and that’s what they did, finally in 2005 they allowed us to become a member and to date we have zero complaints” concluded Mike.
 
As further testament to UCES goal to become a powerhouse as a financial services provider and the number one credit repair company in the nation, UCES has recently became affiliated with a Federal Credit Union and formed a CUSO, Financial Education Services (FES) in order to maintain CROA compliance as well as offer clients the ability when necessary to open new or additional trade lines through secure credit card program.
 
United Credit Education Services offers services nationwide.
 
Additional United Credit Education Services products:
 
Ultra Score – For Clients that have OK credit but want to go to the next level.
 
Road Loans – For that have credit issues but are in need of a car loan.
 
For more information on any of United Credit Education Services (UCES) programs or how you can become a distributor for UCES products please contact:
 
Mark Bustamonte
Certified Credit Consultant
United Credit Education Services
 
866-840-2240 Toll Free
 
Key Words: United Credit Education Services, MyCare, Credit Repair, Financial Services, Living Will, Living Trust, Financial Power of Attorney

 

Making Secure Transactions Online

In today's increasingly connected world, we may find ourselves wanting to use a computer away from our home. As any traveler can attest, computer kiosks are in every airport and in many coffee shops. Additionally, wireless networks are everywhere, many of them free or available for a small fee. This easy availability of computers and networks makes it very easy to make purchases online, check your email, chat with friends, or even balance your check book from just about anywhere. That being said, lurking in the back of your mind as you reach for the mouse on one of these machines is (or should be) a fundamental question.

"Can someone steal my information if I use this computer?"
 

The answer is "YES!"
 

Since you cannot know what software or hardware has been installed on these computers, it is impossible to be 100% sure that someone has not installed something that will capture your user name and password or other account information. Any computer that you do not own or control should be used with caution.
 

Tips for Safe Online Shopping
 

Avoid public places and networks.
 

Don’t do online transactions when you’re using public wireless networks. It's safer to buy online at home. When you conduct business in public places using wireless connections such as motels, airports, coffee shops, and bookstores, you take a chance of someone seeing your laptop screen, stealing personal information. What’s more, an intruder could grab the sensitive information you send over the wireless network.
 

Don’t use public computers.
 

Because public computers may have programs that log keystrokes (keyloggers), as well as other spywares that snatch sensitive information, wait to make your Internet transactions until you get home.
 

Use credit cards instead of debit.
 

Debit transactions are riskier than credit transactions because a criminal can immediately drain your bank account. The money is spent quickly, so the theft is harder to fight. On the other hand, a credit card theft is not as disastrous, as your credit card company can help you resolve the matter. Use the same credit card if you have more than one. If you still have reservations about giving out your credit card number online, then use third-party escrow services such as PayPal.
 

Don’t share SSN and/or birth date information.
 

Usually legitimate Web sites won’t ask you to give out personal information such as your Social Security number (SSN) and/or birth date. By giving out both your birth date and SSN, criminals have enough data to apply for new credit cards in your name.
 

Keep accurate records.
 

Always keep accurate, detailed records of any online transactions. This way you’ll have evidence of your purchase if problems occur. Use updated anti-virus programs. Be sure your computer is secured with updated anti-virus, anti-spy ware, and firewall software.
 

Detecting a Safe Web Site
 

Encryption
 

Make sure you shop only at secure Web sites that use encryption. If the Web site uses encryption technology to transfer your information on your computer (such as credit card and bank account information) to an online merchant’s computer, your information is scrambled so computer hackers can’t steal it. Fortunately, the only people able to unscramble the code are those with legitimate access privileges.
 

Plural URL
 

Look for the “s” following “http" in a web address, indicating it’s safe. However, realize you often you don’t see the "https” until you move onto the site’s order page.
 

Closed padlock display
 

The closed padlock display is at the bottom of your screen (on the browser’s status bar). If that lock is open, you should stay away from that site, as it may not be a secure site.
 

Unbroken key
 

An unbroken key also designates a secure site.
 

Strange web address
 

If a web address has a string of numbers at the beginning of the URL, be suspicious because this isn’t an address you’d typically see for a reputable company.

For more information on Secure Transactions Online or Identity Theft Protection please contact:


Mark Bustamonte
Credit Consultant
United Credit Education Services
www.vrtmg.com/mbustamonte 
mark@unitedcredited.com
954-707-2932 Direct
 
 

 

CHAPTER 2--CREDIT REPAIR ORGANIZATIONS(1)
SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS.

Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164) is amended to read as follows:

TITLE IV--CREDIT REPAIR ORGANIZATIONS''

Sec.
401. Short title. 
402. Findings and purposes. 
403. Definitions. 
404. Prohibited practices. 
405. Disclosures. 
406. Credit repair organizations contracts. 
407. Right to cancel contract. 
408. Noncompliance with this title. 
409. Civil liability. 
410. Administrative enforcement. 
411. Statute of limitations. 
412. Relation to State law. 
413. Effective date.

SEC. 401. SHORT TITLE.(2)

This title may be cited as the 'Credit Repair Organizations Act'.

SEC. 402. FINDINGS AND PURPOSES.(3)

(a) Findings.--The Congress makes the following findings:

(1) Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations which offer to improve the credit standing of such consumers.  

(2) Certain advertising and business practices of some companies engaged in the business of credit repair services have worked a financial hardship upon consumers, particularly those of limited economic means and who are inexperienced in credit matters.

(b) Purposes.--The purposes of this title are--

(1) to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and  

(2) to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

SEC. 403. DEFINITIONS.(4)

For purposes of this title, the following definitions apply:

(1) Consumer. -- The term 'consumer' means an individual.

(2) Consumer credit transaction. -- The term 'consumer credit transaction' means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

(3) Credit repair organization. -- The term 'credit repair organization'--

(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of--  

(i) improving any consumer's credit record, credit history, or credit rating; or  

(ii) providing advice or assistance to any consumer with regard to any activity or service described in clause (i); and  

(B) does not include--  

(i) any nonprofit organization which is exempt from taxation under section 501(c)

(3) of the Internal Revenue Code of 1986;  

(ii) any creditor (as defined in section 103 of the Truth in Lending Act),(5) with respect to any consumer, to the extent the creditor is assisting the consumer to restructure any debt owed by the consumer to the creditor; or  

(iii) any depository institution (as that term is defined in section 3 of the Federal Deposit Insurance Act) or any Federal or State credit union (as those terms are defined in section 101 of the Federal Credit Union Act), or any affiliate or subsidiary of such a depository institution or credit union.

(4) Credit.--The term 'credit' has the meaning given to such term in section 103(e) of this Act.(6)

SEC. 404. PROHIBITED PRACTICES.(7)

(a) In General.--No person may--

(1) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading) with respect to any consumer's credit worthiness, credit standing, or credit capacity to--   (A) any consumer reporting agency (as defined in section 603(f) of this Act);(8) or  

(B) any person--  

(i) who has extended credit to the consumer; or  

(ii) to whom the consumer has applied or is applying for an extension of credit;  

(2) make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and not obsolete to--  

(A) any consumer reporting agency;  

(B) any person--  

(i) who has extended credit to the consumer; or   (ii) to whom the consumer has applied or is applying for an extension of credit;

(3) make or use any untrue or misleading representation of the services of the credit repair organization; or  

(4) engage, directly or indirectly, in any act, practice, or course of business that constitutes or results in the commission of, or an attempt to commit, a fraud or deception on any person in connection with the offer or sale of the services of the credit repair organization.

(b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

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