September 21, 2018


Having negative mistakes on your credit report can affect your financial future for years to come. That’s why it’s very important to stay up date with your credit report.

At UCS Industries, we understand that every person’s credit situation is unique and depending on your credit report, we will inform you on which items we can dispute on your behalf. Some items that we helped our client’s dispute include but are not limited to the following:

Charge-off removal

Judgment Removal

Foreclosure removal

Dispute Status Removal

Inquiry Removal

Repossession removal

Foreclosure Removal

Update Personal Information

Repossession removal

Short Sale Removal

Identity Theft Removal

Collection removal

Tax Lien Removal

Chex Systems Removal

Bankruptcy removal

Late Payment Removal

Call us now at 1-877-477-2011 to get back on track with your financial future today!


If you need to rebuild your credit
If you want to purchase a home
If you need to save money on auto and life insurance
If you can’t get approved for credit or loans
If you need to improve your credit score

Whether you need to improve your credit score, or need errors removed from your credit report, UCS Industries can help. We understand that you don’t have the time to dispute costly errors on your credit report. That’s why we do all the hard work for you. Simply send us your credit reports and we will take care of the rest.

When it comes to choosing a credit restoration service, you want an experienced team with a proven track record of success. That’s exactly what you will receive when you let our credit restoration team take care of all your credit restoration needs. Many of our clients choose to work with us because:
We understand the intricate details of FCRA and FDCPA rules and how they affect you
We continue to educate ourselves on the new regulations and laws affecting your credit
We work tirelessly to help you secure a better financial future
We will remove inaccurate, unverifiable and incomplete information from your credit report.

Call us now at  1-877-477-2011 to prepare for a better financial future today!

At UCS Industries, we understand that improving your credit is a step by step process. Depending on your unique situation, it can take 45 days to a few months to fix errors on your credit report. If you are serious about fixing your credit, give us a call today. Many of our clients have experienced the following after working with us, and we can help you to:
Build and maintain a good credit score
Qualify for loans
Feel secure about your financial future

There are many credit restoration companies that will tell you what you want to hear so they can capitalize on your misfortune. At UCS Industries, we understand how important your credit is to you. That’s why we developed a unique suite of programs and processes to help you get back on track and move forward with your life. All of our programs are designed to educate you about the importance of having good credit and what steps you need to take to restore your credit.

Many of our clients prefer to work with our credit restoration company because of the following:

FICO® Professional Certification
FCRA Certification
Members of the National Association of Credit Services Organizations
Licensed and Bonded
Members of the BBB

UCS Industries ™ is not new at this process. We have been helping consumers build their financial future for quite some time and we take pride in our work. We average one of the highest fix/deletion ratios and track it in real time on our site. We have the highest integrity out of any company today and will never resort to hard pressure sales or false claims and deceptive advertising.

The cost of credit repair is small compared to the cost of living with derogatory/erroneous information on your credit report.

Here is a mock example of what you may experience with different scenarios of credit status:

Credit Cards

It is not unusual to not be able to get an unsecured credit card with damaged credit. The accounts you may be approved for(“sub-prime” cards) will typically have higher rates, low credit limits, and have higher than normal penalties and fees for things like late payments, and in most cases do not even report your positive credit activity to the credit bureaus.

Automobile Financing

If you are making payments on a car, you are probably paying between $4,000 and $10,000 more just for having bad credit. This added interest shows up every month in a higher payment. Take a look. Example:

Car Loan – $23,000 Vehicle Financed for 5 Years

Credit Status Rate Payment Interest Paid
High Credit
3% $413 $1,796
9% $477 $5,646
Damaged 18% $584 $12,042

Home Loan – Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of the 30 year loan, if you are buying the home with damaged credit.

Mortgage $120,000 home paid over 30 years:

Credit Status Rate Payment Interest Paid
High Credit
7% $798 $167,410
9% $966 $227,596
Damaged 13% $1,327 $357,878

Mortgage $190,000 home paid over 30 years:

Credit Status Rate Payment Interest Paid
High Credit
3% $1,264 $265,066
9% $1,529 $360,361
Damaged 18% $2,1202 $566,640

As you can see, a low score can cost you hundreds of dollars per month, which is why it is so important to obtain and maintain as high a score as possible.

There is no magic wand that will erase challenged credit, despite what some companies may make their service out to be. The Fair Credit Reporting Act clearly states that derogatory items must be accurate and verifiable to be on your credit report. If these negative items do not meet the criteria outlined in the FCRA then it must be deleted or corrected.

There are no secrets to credit repair

It is understandable that everyone wants to see results immediately. Although everyone’s credit history is different, everyone will see responses from the bureaus within the first 45 days, every month after that your credit picture improves. Credit repair is not an overnight fix; however changes can be seen as early as just 60 to 90 days of service. The longer you continue to contract with UCS Industries, the chances of removing more inaccurate and unverifiable items increase.

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a “soft delete”. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. UCS Industries will re-challenge the item with the full force of the prior removal in our favor at no additional cost.

No company can guarantee results in any fashion. The law does not allow for companies to guarantee removal of negative information and falls under false claims and deceptive advertising, a clear violation of the Credit Repair Organizations Act. No one can remove accurate, verifiable and complete information from your credit file.
We have been successful in helping clients remove inaccurate, unverifiable and incompleteinformation from their credit file, thus improving their credit pictures

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are.

Credit scores also are designed to indicate your creditworthiness in comparison with other consumers.

Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 300 to 850. The higher your score, the less of a risk you are, which makes you more “creditworthy” to lenders.

Credit scoring is based on 5 major factors of which only 4 are scored:

  • 35% Payment History
  • 15% Length of Credit History
  • 10% New Credit
  • 30% Types of Credit Used

Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.

Your credit report is made up of 5 major zones in which only 4 of these zones are used to score your credit risk:

  • Identifying (personal) Information – does not count
  • Public Record
  • Collection Items
  • Tradeline(Account Information
  • Inquiries

Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors

Negative credit listings are deleted from peoples’ credit reports each and every day!
UCS Industries is hard at work every day challenging damaging and questionable credit entries on behalf of its clients. Utilizing proven and absolutely legal strategies, UCS Industries™ is a professional organization working for you and your credit. We do not use the typical methods of disputing “Not Mine” or “Never Late”. Because we understand the laws under the FCRA, we utilize these laws to challenge the methods credit reporting companies use to tarnish your credit.

It is quite difficult to restore your credit without somehow satisfying your outstanding debts. However, the act of paying off a debt can actually hurt your credit. Negative credit is allowed to stay on the credit report for a maximum of seven years, except for bankruptcy, which may remain on the credit report for ten years.

By paying an outstanding, delinquent debt you will change the account status to “paid collection,” “paid was late,” or “paid was charged off” – which will still stand out as a very negative listing. Furthermore, you will renew the “Date of Last Activity” which can result in a lower score due to the credit scoring algorithms.

There is no type of negative listing that hasn’t been removed from a credit report if it is unverifiable, inaccurate or incomplete. Public record information falls under the same guidelines as other negative listings. If it cannot be verified or if it is inaccurate, it must be corrected or deleted from the report.

Yes, there is nothing that a credit repair company can do that you cannot do for yourself. If you feel that you do not have the experience and/or time to take on this task by yourself, companies like ours are willing to help.

Some companies will try to discourage you from doing it on your own or may not disclose this to you.

The 100 word statement, although had good intentions when created, typically are not used, in our opinion, for your benefit or even looked at by a lender.

Many bankruptcy attorneys do not adequately explain the effects of bankruptcy to their clients. Stated simply, bankruptcy is to the credit rating what the nuclear bomb is to war. When you file for bankruptcy, every credit account that you decide to include in bankruptcy will become an “included in bankruptcy” account. Additionally, a bankruptcy filing and bankruptcy discharge listing will appear in the court records section of your credit report.

That is highly ILLEGAL and run away from any company that brings this up as an idea! CPNs are built by creating a “FAKE” credit file that mimics you as a consumer. THIS IS THE WRONG WAY TO BUILD CREDIT and can result in legal actions against you.

Any amount of bad credit is devastating to your chances of being approved by a credit grantor. Most credit grantors never actually look at your credit report. A computer pulls your credit report, rates your credit standing, income, indebtedness, and stability, and then spits out an acceptance or denial. Even one or two slow pays will usually trigger a credit card or personal loan denial. The slightest amount of negative credit will cause the interest on an auto loan to skyrocket. You will probably find that even a little bad credit, regardless of how much good credit you have, is an unacceptable barrier to credit approval.

When you speak with credit grantors, collection agencies, or credit bureaus, their typically under-educated staff may tell you all manner of such pseudo-legal nonsense. The law demands that negative listings appear on your credit report for “no longer than” or “up to” seven years. The credit grantor or the credit bureau can choose to delete the negative credit listing whenever they see fit or if the items are unverifiable, inaccurate or incomplete.

When we delete a negative credit report listing, the actual debt remains, you still owe the same amount of money that you owed to begin with. If you don’t pay the debt, the creditor or collection agency could always report the item again. So removing the listing without addressing the debt is only a temporary solution. Additionally, our service is designed for individuals that can pay their bills now, but have had problems in the past.