United Credit Education Services offers Credit Education and Credit Restoration.

1. Presented by Mark Bustamonte VR Tech Marketing Group 954-707-2932 www.vrtmg.com/mbustamonte

3. Our service works with consumers to dispute any inaccuracies on their credit reports with the three major credit reporting agencies to help them obtain an error proof credit report.

4. High interest rates deny many people the ability to purchase things through credit.

5. Let us help you make good credit and financial independence a reality, not just a dream!

7. Our corporate office is located in Farmington Hills, Michigan.

8. We are members of the Better Business Bureau with no complaints.

10. Your ability to get a checking account

11. Rates on your auto insurance

12. Employment

14. Equifax

15. Transunion

17. The CRA’s sell this information to lenders and other creditors.

18. The CRA’s are not part of the government.

20. 25% of which are serious enough to potentially result in a credit denial

22. When filling out credit applications with different names, i.e., Bill Smith versus William Smith

23. Your Social Security number was entered incorrectly on the application

24. A clerical error was made when the lender transferred the data from the application

26. The Federal Trade Commission is the government agency responsible for enforcing the FCRA

28. Reflective of a borrower's past payment history, outstanding credit balances, and available credit capacity at a given point in time

29. Creditors use these scores, known as FICO scores, when deciding whether or not to offer credit to consumers

30. FICO scores range from 300 to 850 points

32. Fair Isaac—Experian

33. Empirica—TransUnion

34. Credit Score Interest Rate Monthly Payment 760-850 6.072% $604 660-699 6.578% $637 580-619 9.419% $835 Credit Score Interest Rate Monthly Payment 650 or higher - 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 - The range which most credit scores fall. However, 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 — May mean higher interest rates for borrowers. This does not mean that credit will be denied. The process will probably take longer and will be on less than ideal terms. The following table is based on a $100,000 30-year fixed mortgage from myfico.com. How Credit Scores are Used

36. Amount of credit you owe versus your available credit (30%)

37. The length of your credit history (15%)

38. Types of credit used/your credit mix (10%)

39. New credit that you are applying for (10%)

41. Your age

42. Your salary, occupation, title, employer, date employed or employment history

43. Where you live

44. Any interest rate being charged on a particular credit card or other account

45. Any items reported as child/family support obligations or rental agreements

46. Certain types of inquiries (i.e., requests for your credit report)

47. Whether or not you are participating in a credit counseling of any kind

48. UltraScore ™

51. Understand how your credit score was calculated

52. Help you effectively manage your finances

53. Prepare and maintain a monthly budget

54. Develop an action plan to reduce debt

55. And much, much more!

57. Forms and budget sheets

58. Budgeting calculators

60. Establishing Good Credit

62. Apply for a secured credit card. You will be required to deposit a specified amount, usually $300 to $500 dollars into an account in their bank, and you will be issued a major credit card in the amount of the deposit.

64. If you currently have credit, ask your creditors to increase your credit limit. This will improve your credit utilization ratio thereby improving your credit score.

65. If you do not have a checking and savings account, apply for both. Having these accounts establishes you as part of the financial community and allows you to manage your money.

66. Our service We help eliminate any inaccurate, erroneous and obsolete information reporting in your credit file

68. Receive regular updates on the progress of your file, reflecting any deletions, additions or alterations

69. Our active customer support is available to service your needs and answer your questions M-F, 9AM-5PM, EST.

70. Access to your progress report online 24/7, 365 days per year

73. Copy of a utility or other bill in customer’s name with current address

74. The address must match the one on the customer enrollment form

76. Copy of a health insurance card showing the SSN

77. Copy of W2 tax form

78. Copy of paycheck stub showing all 9 digits of the SSN

80. Complete explanation of the dispute process

81. A dispute letter to be reviewed by the customer

83. The processing center will provide the customer with the necessary contact information for any questions.

85. If no changes are required, the customer will sign each set of dispute letters and forward to TransUnion, Equifax and Experian.

87. It is imperative that all correspondence is forwarded to the processing center immediately.

89. New dispute letters are then prepared and mailed to the customer.

90. This process will continue until the customer’s service expires.

92. Our interactive customer support is available to answer questions, call 248-848-9065, option #1.

93. The customer has access to their progress report online 24/7, 365 per year.

96. Password: The last 4 digits of the customer’s SSN

99. The Progress Report tab will show the customer’s accounts and their current status

100. The Processing Report tab will show the customer’s accounts and their current dispute printing status

101. Get the good credit you deserve! Restore your credit and change your life forever! For more information Mark Bustamonte Sales Director 954-707-2932 www.vrtmg.com/mbustamonte