As a value added services to our clients, Great Northern Mortgage, Corp. has affiliated itself with one of the leaders in the credit restoration service – United Credit Education Services that provides the best service at the lowest prices.

Credit Repair Specialists

A credit score is the most important number in someone’s financial life as well as the most influential one. The higher someone’s credit score, the more financial opportunities they will have. Credit scores are very important when obtaining a home or auto loan and credit cards. Many people are not aware that decisions about your insurance prices, cable and phone service, and even employment are now largely based on your credit score.

Clients come to us for different reasons, but they all have the common goal of credit repair. We have helped many customers increase their credit scores as much as 184 points.

The Importance of Good Credit

Survey has revealed that nearly 80% of all consumer credit reports contain serious errors or mistakes of some kind. UCES's process is highly effective in producing results that enable our customers to restore their good credit rating and achieve their financial goals. UCES helps people to improve their credit scores by challenging inaccurate, obsolete or unverifiable information on their credit reports. 

UCES's Credit Restoration Service

Great Northern Mortgage Corp. is an affiliate of United Credit Education Services, which helps consumers who are negatively affected by poor credit to give the opportunity to achieve their financial goals and dreams. UCES's service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.

As a consumer, you already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at the best possible interest rates. If you have been denied credit, would like to lower your interest rates, or would simply like to remove inaccurate information from your credit reports, UCES service can help.

Why Is Our Service So Important?

Consumers may be rejected for loans or jobs based on mistakes in their credit reports and not even know it. In a recent study, 79 percent of credit reports reviewed contained either serious errors or other inaccuracies in regard to trade account and personal information. What's more, there's a one-in-four chance your credit report contains an error serious enough to cause you to be denied credit. According to recent data, identity theft strikes more than 700,000 Americans each year and is growing at the mind-boggling rate of 40 percent annually. UCES's credit restoration service allows you the opportunity to review your credit file and identify and proactively challenge any accounts that do not belong to you.

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Service Features

• Once enrolled, the online customer progress reports will be available for viewing 24/7, 365 days a year.
• Customer service call center is available to answer any questions Monday-Friday from 9:00AM – 5:00PM, EST.
• Service includes five challenge cycles, initial credit reports and credit scores, and regular updates on the progress of the customer’s disputes.
• Convenient payment options
  

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How Does Our Service Work?

The team of credit analysts will perform a thorough review of all items on the client's credit reports that negatively affect their credit profile and credit score. Our clients will regularly receive customized dispute letters to review, sign and send to Experian, Equifax and TransUnion. Dispute letters may be changed or modified at the individual's request. Clients are strongly encouraged to provide any support documentation that may assist and expedite the dispute process.

Please be advised that our clients experience various results depending upon the type of items on their credit reports, the length of time they have been reported and the number of items on their credit report. Clients who pay their bills on time, refrain from using excessive credit or opening new credit while they are enrolled in the program, and follow instructions will experience optimum results with our credit restoration service.

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Our Process: 8 Simple Steps

1. Use our easy online enrollment process to begin your service.
   
   
2. Forward ALL required identification documents to our credit repair specialists to complete your file. Applicant may cancel his or her Enrollment within (3) business days from the date this enrollment agreement is received.
   
   

   Fax your documents to 248-848-9140
   Email to customersupport@united-credit.org, or
   Mail to United Credit Education Services, PO Box 130, Farmington, MI 18332
   

3. To check if your documents are received, please go to www.united-credit.org. Please allow us at least 4 hours to upload your documents. Use your social security number for “Login” (no dashes or spaces). Use the last (4) digits of your social security number for “Password”.
   
   
4. Within the next 3 to 4 business days after the right to cancel expires, the applicant will receive a welcome package to start the process.
   
   
5. Customized dispute letters will be prepared and sent to you for your approval. If no changes are requested, sign and send your dispute letters to the three credit reporting agencies. You will receive updated credit reports back within 40 days.
   
   
6. Forward your updated credit reports to our office. Your file will be updated and your next set of dispute letters will be prepared and mailed to you.
   
   
7. Clients may modify their dispute letters upon request. This is especially helpful in the case of mixed credit files among family members, identity theft, or inaccurate information in regarding accounts that are paid off. Please call our customer support department if you have any questions.
   
   
8. New dispute letters will be sent every 60 days until your service expires.

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Federal Trade Commission (FTC)

If you feel you would prefer to work with a credit repair service rather than try to tackle credit repair issues on your own (Download Sample Credit Report Dispute Letter), please give us a call so we can help you sort through your options. We will do our best to refer you to a reputable credit remediation service and guide you in the right direction once we have the opportunity to review your credit report with you.

The Federal Trade Commission (FTC) regulates credit repair services and provides free information to help consumers spot, stop and avoid doing business with credit repair companies that are not reputable. Their web site is located at http://www.ftc.gov.

You can also write to the FTC to request a copy of their free brochure titled Credit Repair: Self Help May Be Best, which includes information about credit clinics. The address to write to is:

Federal Trade Commission
Sixth and Pennsylvania Avenues, NW
Washington, DC 20004

If you have any complaints regarding your credit report or credit remediation services that you wish to report to the FTC, contact them at:

Federal Trade Commission
Consumer Response Center, Room 130
600 Pennsylvania Avenue, NW
Washington, DC 20580

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Why Choose Us?

• Great Northern Mortgage, Corp and United Credit are BBB members with outstanding records. 
• United Credit Education Services, "UCES," is an affiliate of a federal credit union and is primarily engaged in providing financial education services and products for the benefit of the affiliated credit union.
• Over 350,000 negative items removed from our clients’ files.
• Our software system and experienced staff enables us to provide the most efficient credit education services in the industry.
• Money-back guarantee.
• Testimonials from happy, satisfied clients.
• UCES expert staff has several years of experience in credit education and financial services.
• We are proud to offer the industry's first proactive and interactive customer service. In short, clients receive regular progress reports detailing the status of their credit file, including the number of dispute cycles completed and the number of deleted items. UCES customer support team is on hand to personally answer any questions by phone or email, or clients may choose to access their account details on line any time of day or night. Let UCES and our professionals work for you. Enroll today and join the thousands of other clients who are enjoying the benefits of improved credit.

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How much does it cost?

Total amountamount for the full year of credit repair services is $499. If you would prefer to pay with your credit card, you will be billed by Financial Education Services. If you would prefer to pay with your check, you will be billed by United Credit Education Services.

Split Payment Plan

Payment Options

• Split Payment Options are only available for customers paying with a credit card or checking account.
• The second payment will be deducted from the same account from which the initial payment was made when the due date arrives.
• Please follow the payment guidelines listed above.
• Online and paper enrollment forms are available to you.
• Customers will receive a copy of their complete contract in the mail, which will include the contract, Terms and Conditions of Enrollment, and limited power of attorney.

Method of payment

Credit card, personal or business check.

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Required identification documents to start the credit repair process
Fax your documents to 248-848-9140
Email to customersupport@united-credit.org, or
Mail to United Credit Education Services, PO Box 130, Farmington, MI 18332

THE FOLLOWING DOCUMENTS ARE REQUIRED BY THE CREDIT REPORTING AGENCIES. GREAT NORTHERN MORTGAGE CANNOT PROCESS YOUR APPLICATION WITHOUT THE FOLLOWING DOCUMENTS:

1. To verify your Social Security, include ONE of the following:
   • Copy of the SS card, or
   • Copy of the paystub showing full 9-digit SS #, or
   • Copy of W-2 tax return form, or
   • Copy of Health Insurance Card showing full 9-digit SS #
   
   
AND                                        

2. To verify your Address, include ONE of the following:
   • Copy of preprinted bill (utility, credit card, etc.)  with the name and current address of the applicant, or
   • Copy of the driver's license

Online Secure Application

If you would prefer to use a split payment plan, you will NOT be able to enroll on-line and it has to be done by one of our credt repair specialists. To do this, you MUST forward us the following documents in ADDITION TO THE ABOVE LISTED DOCUMENTS:

$499 split payment plan

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