Do you find yourself suddenly in the process of try to figure out how to rebuilding your credit score? In communities all across the country people have either lost their homes in foreclosure or had to apply for a loan modification. Banks required home owners to be behind on their mortgage before they would even consider a loan modification so many opted to miss a payment or two in order to get the banks attention.

To make matters worse many people have lost their jobs. What used to be dual income families are now single income homes and with so many people unable to find jobs the burden of keeping up with the bills has now fallen on the shoulders of one family member.

As a result families fell behind on other bills such as credit cards and other monthly obligations. Some families have even had to eliminate necessities such as medical insurance causing further financial distress with additional medical expenses. All of these things have devastated a lot of people’s credit scores. Does this sound familiar? Have these types of situations left you rebuilding your credit score?

Rebuilding Your Credit Score - A Family Matter

So how does someone begin to rebuild their credit score with all these financial hardships going on? As the job market begins to open up and people start to go back to work, in some cases for less income than what they were used to making, tough decisions have to be made. Families need to work together to take a close look at the situation and decide how they are going to work together to get through these tough economic times.

First things First when Rebuilding Your Credit Score

The first step to rebuilding your credit score is to get a clear understanding of what the situation is. Sit down together and put everything on the table.  Who do you owe and what are able to pay right now? What shape are the credit reports in? I some cases it may require that one of the family members or both get a part time job to help make ends meet. Some things will all together have to be eliminated, like club memberships, the morning coffee on the way to work, the magazine subscription, maybe you have to start car pooling. The bottom line is you have to figure out how to cut cost in and outside of the home.

Once you have a clear understanding of where you are and have come with a plan to make ends meet, it’s time to start evaluating your credit profile. You may have to start paying down some debt to get your balances under control, you may have to try negotiating with some creditors for reduced pay offs, you will have to make sure that you are paying your bills on time. The thing to remember is that it is going to take some time so give yourself a break and just be diligent and follow through with your plan and most importantly, be patient.

Hiring a Professional to Help you with Rebuilding Your Credit Score

In some cases you may require the expertise of someone that can help you with developing a plan for repaying your debt and rebuild your credit score. Educating yourself on how credit works and what you can start to do to rebuild your credit is critical. Whether we like it or not, credit in today’s world is a must. The old saying “Cash is king” has been replaced with “Cash is king, but Credit is EVERYTHING!”

Click here to learn more about Rebuilding Your Credit Score

May, 17, 2010 (Coral Springs, FL) – Financial Education Services has launched a new program to help business owners with credit challenged clients at the point of sale. Many business such as Auto Dealerships, Mortgage Companies, Real Estate Agencies, Placement Agencies and Insurance Companies, to name a few, have felt the impact of the recent down turn in the economy and the effects it has had on consumers credit and confidence. Many people today don't even try to make purchases because they fear being rejected due to current credit scoring requirements.

Here are some statistics on Credit Scores: Credit Scores range from 300-850, A 750 or above is the ideal range, The national average is around 680, 13% of the population is above 800, 15% is below 550 and 22 states have a score below the national average.

How the program works:

This program will allow for business owner to have their own online website business portal where they can enroll the clients and United Credit Education Services will process the client from that point forward. All the business needs to do is enter the clients info into the website along with payment information and and the business will receive up to a 33% commission on all clients entered. The business will be able to track the progress of the client through there online business office or by contacting the credit analyst. United Credit Education Services is owned and operated by Financial Education Services (FES).

Who is Financial Education Services (FES)?

Financial Education Services (FES) was founded in 2004 and is headquartered in Farmington, MI. Since 2004 Financial Education Services has generated over 50 million dollars in sales. They are a debt free company with close to 200 employees worldwide. Financial Education Services offers financial related products for consumers looking to protect themselves and their families both personally and financially. FES is the authorized marketing agent for FES and LawMart.com, Inc. ("LMI"). FES is exempt under the federal Credit Repair Organizations Act (15 U.S.C. §§1679, et seq.) and is not a credit repair organization. FES markets a variety of financial, educational and service products on its own behalf and also for LMI. All credit services purchased by a customer from a representative are performed by employees of FES.

Who is United Credit Education Services?

United Credit Education Services (UCES) is a premier Credit Education and Restoration Company. United Credit Education Services (UCES) has a documented track record of assisting over 160,000 clients since 2003 and deleting close to 500,000 inaccurate, obsolete and unverifiable negative items from consumers credit reports. UCES also has an exceptional rating with the Better Business Bureau.

FES also offers the FES Protection Plan which is a complete personal and financial protection program for consumers. The FES Protection Plan includes the following; The Positive Credit Builder, FES Debt Zero, FES Will and Trust and Identity Theft Protection offered through a partnership with LifeLock. These financial services can also be purchased individually.

For more information call 954-707-2932 or visit Financial Education Servcies B2B Program

Financial Education Services officially launched the FES Protection Plan on March 20, 2010. The FES Protection Plan is a all encompassing approach to help consumers become educated on Credit, Debt and Personal Protection. Consumers enrolled in the FES Protection Plan will have access to Credit Coaches as well as Financial Coaches that will assist them on anything related to Credit, Debt, Estate Planning and Taxation.

Many consumers today are suffering due to the current economic conditions in this country. Financial Education Services believes that this is in part due to financial illiteracy. The very basic things that support financial success for Americans were not taught in this country to many Americans in our school systems or at home.

To assure the success of the next generation Financial Education Services has launched the YFL (Youth Financial Literacy Foundation League) designed to help teach youth between the ages of 8 to 18 financial responsibility and discipline, so that they may be successful productive young adults, leading to life of financial literacy and success in later years. Youth that are involved in this program will go through a series on age appropriate training modules and once completed will be eligible for scholarship funding to continue there education in the field of there choice.

Here are the components that make up the FES Protection Plan.

Protect your Credit File with Positive Credit Builder!

Your Credit Score is the most important number in your financial life. Your Positive Credit Builder credit analysis document will provide the necessary tools to understand the credit scoring system and how it impacts your financial health and freedom.

Protect your identity with LifeLock!

As the leader in proactive identity theft protection, LifeLock takes proven steps to help prevent thieves from destroying your credit and good name – even if they get your information.

Protect Your Loved Ones Future with FES Will and Trust Plan!

Planning for life's uncertainties brings you and your family peace of mind. But a will alone is not enough. You also need a living trust, medical power of attorney, and financial power of attorney.

Protect your finances with FES DebtZero!

SAVE THOUSANDS with the most effective, most efficient debt pay off system available. Get out of debt easier than ever with a clear precise plan that is customized for you.

What is FES DebtZero?

FES DebtZero is a web-based debt acceleration program that provides individuals with personalized direction they need to accelerate the pay off time of all their debts and mortgage. FES DebtZero guarantees that if you follow your personalized instructions you will be 100% out of debt and mortgage free in less than half the time it takes the average person, making regular payments, while saving or gaining thousands of dollars in the process.

Can anybody qualify or use FES DebtZero? Is FES DebtZero right for me?

If you have a checking account, make more money than you spend and have debt that you want to pay off quickly then FES DebtZero will work for you.

How Does FES DebtZero Work?

1. Deposit Income

Deposit your income, as you normally would, into your standard checking account. It doesn't matter if you direct deposit or hand it to a teller. FES DebtZero is a web-based program that is used as a management tool like a navigation system for your finances. Provide the secure FES DebtZero system your financial overview and the system will offer step-by-step direction so you can properly apply optimal payments toward your debt. FES DebtZero directs you on the best quickly pay off your debt that is also conducive to wealth accumulation. The less money that you have to pay on interest, the more money you'll have growing in your account.

2. Follow Prompts

The program looks at your deposited funds, expected expenses, dates they are due, and safely reserves funds for any unexpected expenses. FES DebtZero then analyzes this information and generates monthly prompts that will provide precise directions for paying off 100% of your debt, without any alteration to your existing lifestyle. In other words, you will still be able to enjoy yourself while paying down your debt!

3. Pay Expenses

Continue to use your checking account to make payments to your monthly bills, as they become due. If you currently pay your bills using online bill pay you can continue to do so. You will also use your checking account for daily budgeted spending (i.e. gas, groceries, entertainment etc). Any money that you have not spent is left in your account to accumulate and then used to pay off your debts or mortgage.

For more information contact

Mark Bustamonte Regional Sales Director Financial Education Services 954-707-2932 Direct

Financial Education Services (FES) and FES Protection Plan

Coral Springs, Florida (PRWEB) March 5, 2010 -- VR Tech Marketing Group, in order to better identify it mission, products and services, announced a name change to Financial Education Services (FES).

VR Tech Marketing Group, now Financial Education Services (FES) has been in successful operation for over 7 years. FES has worked with consumers since 2003 to help educate consumers about the importance of credit as well as providing resources to help consumers improve and maintain there credit rating.

Financial Education Services over the years has continued to build it's product line by adding products that enhance the credit restoration process. FES recognizes that the key to helping someone that has credit issues requires more then just deleting derogatory items from the credit report.

Some on the enhancements include the VR Tech Prepaid MasterCard as well as the UltraScore program. The prepaid MC offers an unsecured minimum line of credit that is acquired by applying a direct deposit from an employer to the consumers card. This ensures the repayment of the unsecured line as well as building good payment history.

UltraScore provides a comprehensive credit analysis for the consumer as well as an "Action Plan" to help the consumer understand all the components of there credit profile and what they need to do in order to maximize there credit in the most efficient manner.

Another major announcement that was made a the National Convention was the creation of the YFLF (Youth Financial Literacy Foundation) and the YFL (Youth Financial League) designed to help teach youth the importance of being financially literate. This program is geared toward youth ages between 8 to 18. This program will provide interactive web based teaching modules. Youth that complete the financial curriculum will be eligible for educational scholarships.

As well introduced was the launch of the FES Protection Plan. The FES Protection Plan is holistic approach to help consumers protect all areas of their finances and includes: Positive Credit Builder, Identity Theft Protection, Estate Planning, FES Debtzero.

FES Debtzero is a web based application that helps consumers to establish a clear and precise method of eliminating personal debt, secured or unsecured, in the most effective way. This tool will show the consumer how to repay there debt while creating discretionary income for savings.

Financial Education Services (FES) with it's long history of success as a company and very high valued products is positioning it self to be a major player in the revitalization of the economy by address the issue of financial illiteracy in communities all across the country.

For additional information about how you can on Financial Education Services (FES) please contact Mark Bustamonte at 954-707-2932 or visit https://www.myfinancialeducationservices.com.

About Financial Education Services (FES):

Mark Bustamonte is a Sales Director for Financial Education (FES) services and has been a member since 2003.

Contact Info

Mark Bustamonte, Sales Director Financial Education Services 954-707-2932 Financial Education Services

On Wednesday October 7th, 2009 Mr. Mike Toloff and Parimal Naik Co-Founders of VR-Tech Marketing Group, LLC made a major announcement regarding the new business structure of VR-Tech. In the next 3 to 6 months VR-Tech Marketing Group, LLC will become a Sub Based Federal Credit Union. This will provide us full exemption at a Federal and State level with Regards to credit. All existing agents and new agents will have full access to resources of this employee owned Credit Union.

Other notable information on the call:

• Continued and stable growth for over 7 years
• 1.4 million items deleted from consumer credit reports
• Only 3% of the population has a Last Will and living Trust
• $1.m dollars being deposited monthly in the Accountnow program
• New move to 10K sq ft state-of-the-art facility

Mike also stated that one of our biggest accomplishments as a company is maintaining our A rating with the BBB.

To here the call in it's entirety click the link below:

VR-Tech Marketing Group - Conference call

Mark Bustamonte
Sales Director
VR-Tech Marketing Group
954-707-2932 Direct
www.vrtmg.com/mbustamonte

Credit Repair is the process of restoring ones credit. The methods used to restore ones credit requires the application of several strategies. The first part involves the review of ones credit report for visible errors or mistakes, such as incorrect names listed on the reports, addresses that are incorrect, social security numbers or dates of birth that are incorrect, accounts that are listed incorrectly. These are just a few of the cursory checks that need to be made.

The 2nd part of the process involves the disputing of any negative information that is on the report whether known to be accurate or not. The reason for disputing ALL negative information is not to challenge the actual event, but to challenge the verification process used to place the information on the credit report. Bottom line – Was the information reported on the credit report verified?The importance of this is that it is a known fact that the credit reporting agencies have had a high number of incidents where information being reported is not verified and is incorrectly placed on a unsuspecting consumers report.

The 3rd and most important part of the process is education. If you do not education yourself on all things related to improving and maintaining your credit scores then you will not have long term success. Part of the education process is learning the necessary disciplines to assure your success. One of those disciplines is monitoring your credit. It's like going to the dentist for a check up or taking your car in for a regular tune up or oil change. It's funny how people will schedule those types of activities but won't do a regular check up on there credit reports. More times then not this lack of discipline leads to unnecessary disappointing surprises.

As an example, I currently enrolled a client that had not seen his report in about a year and half and found out that he had a mortgage reporting on his credit report that belonged to his ex-wife. Now even if the courts rules that the wife is responsible for the mortgage, and both parties are on the loan, then the history of the loan will report on both parties credit report whether good or bad. A divorce decree does not supersede a contractual financial obligation. But here's the kicker, my client was never on the loan, only title.

The 2nd issue was that several credit cards his ex-wife had were also reporting on his credit report. My client was not on these accounts, not even as an authorized user. And finally his son who has his name but is a Jr. had an account reporting as well as birth date and SS# on my clients credit report.

Once my client realized this (after applying for a business loan) he took the appropriate action and sent information to the credit reporting agencies to have the corrections made. He included letters from the bank indicating he was not on any of the credit card accounts or an authorized user, copy of mortgage documents showing he was not on the mortgage as well as a copy of his sons drivers license, SS# and credit card statements showing the accounts belonged to his ex-wife and his son.

Unfortunately the responses he received were less then desirable - VERIFIED NO CHANGE!

My conclusion to the Credit Reporting Agencies response was, even though it appears he did everything as directed by the FTC site with regards to disputing information on your credit report he may have sent to much information. The Credit Reporting Agencies dispute departments have daily quota's to meet and depending on the person that received his file for review and their particular case load for the day it may have unfortunately determined the outcome on his dispute.

This is type of occurrence is not uncommon for consumers. The Credit Reporting Agencies failure to comply with the Fair Credit Reporting Act is the very reason the (FCRA) was in-acted in 1970.

Our role (United Credit Education Services) is to assist this busy client that is a business owner and doesn't have the time required to continue or know what to do next to fix the problem.

We have started the dispute process with this client providing minimal information to the Credit Report Agencies to cause them to have to verify the information in accordance with the Fair Credit Reporting Act. We also will continue to dispute as needed every 60 days for the client (client reviews, signs and mails letters). Our letters will reference specific sections with in the Fair Credit Reporting Act letting the Credit Reporting Agencies know why they have to re-investigate and verify according to the FCRA the information they are reporting. The client will be able to track his progress in his secure online account.

Our services will allow the client to do what he does best and needs to focus on - Running his business.

I will post an update as to the results of this client disputes once he receives his updates from the Credit Reporting Agencies.

For more information on our program please visit www.vrtmg.com/mbustamonte

VR Tech Marketing and United Credit Education Services is pleased to announce our free Credit Education/Credit Restoration Webinars for all interested in learning more about Credit and the FCRA and how you can improve your credit rating.

Take Control Of Your Financial Future "Credit Restoration" webinar schedule:

December 10th Tri-Star Consulting Group strategic partner United Credit Education Services will launch its new program MyCare^TM Wills and Trust. MyCare^TM 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. The cost for this program will be $499.00.

The addition of this product to the UCES product line according to UCES Partner, Mike Toloff "Is a part 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
http://www.unitedcredited.com
mark@unitedcredited.com

954-707-2932

In recent weeks I have had to address the issue of what role the credit repair process plays in helping a person improve their credit rating.

The concept of utilizing credit repair to improve your credit rating is only one part of the puzzle and requires that the client understand that in most cases simply applying the credit repair strategy is not enough. A person must be willing to do other things to outside of the credit repair process to maximize the credit scores.

When you review a clients credit profile to see if they are a good candidate for the credit repair program we must first understand what the total profile of the client is.

• Does the client have a job?

• Do they have any additional accounts open that report to the credit report?

• If so are they able to make monthly on time payments?

• What type of accounts do they have open?

• How old is there oldest delinquent account?

• Do they use a budget work sheet?

• How committed to improving their credit score are they?

These are a few of the questions that are asked in the consultation process to better understand the client capabilities as well as there level of financial education and dedication to the credit improvement process.

It is also important to understand the client's goals and expectations. If you don't know this you are potentially setting yourself and the client up for failure. Clients need to have a realistic expectation of the credit repair process and any changes they may have to make in how they handle there finances.

The credit repair process often requires the client to re-establish new types of accounts to begin the rebuilding process. The effect of good payment history reporting to the credit report along with the deletion of unverifiable, obsolete and erroneous information from the credit report will have a profound effect on the credit scores.

Correcting one's credit in many cases also means re-training a client in the way they handle and think about there finances. United Credit Education Services provides the necessary tools along with the credit repair process that allows a client to get proactive in the credit repair process by providing valuable financial education.

In closing the answer is this; Credit Repair is not the SILVER BULLET. It takes a combination of things all happening at the same time to improve the credit scores. It won't happen overnight, but if you employee a series of tactics, one being credit repair, your chance of success increase dramatically!

Mark Bustamonte
Tri-Star Consulting Group
CEO
http://www.unitedcredited.com
http://www.tristarconsulinggroup.com
mark@tristarconsultinggroup.com
866-840-2240 Toll Free