United Credit Partners is committed to integrity, transparency, and providing excellent value to clients and Affiliate Partners. As you consider pricing and plan options, be aware that financial needs and credit issues are complex. Don’t be misled by one-size-fits-all pricing strategies — if the fee charged is not directly related to the amount of work required to accomplish the client’s goals, you’re likely paying too much. Flat fees or open-ended payment plans either skip over the difficult — but high-impact — negatives in your credit history while picking the “low-hanging fruit,” or else drag on over a long period of time while providing minimal real benefit.

All UCP fees include necessary background investigation, research and analysis. There are no hidden fees, and client satisfaction is fully guaranteed.

Part of our free initial consultation, whether it’s via phone, video, or face to face, is to provide you with an accurate, value-driven quote for our services. Our credit specialists are specifically trained to translate your specific needs into a quick and clear action plan of exactly how we can help, what it will cost and how long it will take to accomplish your own personal goals. With United Credit Partners, you pay for exactly the service you need and select, nothing more. What’s more, our packages combine tailored programs into affordable, easy-to-understand modules which help you address all your credit needs, providing you a clean, solid foundation from which to build your future financial plans.

Our primary services are:

Credit Optimization

The days when “credit repair” was a dirty word which applied only to the bottom of the market are behind us. In today’s tight credit markets, everyone with a less-than-perfect history benefits from credit analysis and optimization. In a 2012 report, the National Association of Realtors (NAR) revealed that the average bank in today’s market requires a credit score of from 40 to 60 points higher than it did for similar programs just a few years ago — despite the fact that the average score has dropped since the 2008 market crash. Even FHA — for many first-time buyers, their best hope of getting financed — raised their minimum score from 620 to 640 in late November of 2012.

Even if you can get financed, optimizing your credit almost always saves you more than it costs. The following breakdown shows best rates available for an auto loan of $30,000 and a home loan for $350,000. These numbers are the average auto purchase price and the average condo purchase price in San Diego County for November 2012. Please note that the 1.99% interest rate on auto loans is a manufacturer-subsidized special, and that the 9.99% hard-money loan for the home requires a minimum 40% down payment:

Rates change on a daily and weekly basis, of course, so the above chart is only a rough guideline. You can see, however, that even if you can get financed with less-than-perfect credit, it is always to your advantage to optimize your credit history.

For someone — like yourself perhaps — who is getting ready to make a major purchase, a free credit analysis is vital to ensure you are getting the best deal possible when it comes to financing.

Debt Settlement Negotiation

As in all our services, when we negotiate debt settlement on your behalf, you know ahead of time exactly what your cost will be, free of any hidden fees or other ugly surprises along the way. For the majority of clients, we are able to negotiate a final settlement of about 40% of their original debt, and sometimes as little as 10%. Perhaps most importantly, because of our expertise in credit optimization, our negotiations include how the debt is reported on your credit history. You shed debt while improving your credit history at the same time. Our fee is completely straightforward: 15% of the original amount, meaning we may save you as much as 75%.

Bankruptcy

We are not attorneys, but we are licensed bankruptcy processors, which means we are able to prepare and file all necessary documents on your behalf for situations in which the cost of an attorney is not justified. We consider bankruptcy the “atomic bomb option” which is to be avoided whenever possible, but if our review of your situation suggests it is your best option, we can help you. Please note that due to State regulations, direct processing costs such as postage are in addition to the mandated fee of $499 — the only time you will see any extra expense in our services.