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

At the first annual National Convention in Atlanta, GA in February 2010, VR Tech Marketing Group announced the name change to Financial Education Services (FES) to better identify the mission of the company and related product line.

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):

Financial Education Services, Inc. ("FES") is primarily engaged in providing financial education services and products for the benefit of a federal credit union, its members, the members of other credit unions contracting with FES, and to prospective credit union members.

For more information contact:

Mark Bustamonte, Sales Director Financial Education Services 954-707-2932 http://www.myfinancialeducationservices.com

At the first annual National Convention in Atlanta, GA in February 2010, VR Tech Marketing Group announced the name change to Financial Education Services (FES) to better identify the mission of the company and related product line.

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 http://www.myfinancialeducationservices.com

VR Tech Marketing Group announces name change to Financial Education Services. Financial Education Services better expresses the services and mission of the company. This announcement was made at the National Convention in Atlanta, GA.

As well the announcement of a new financial services product titled, FES Debtzero. FES Debtzero will be delivered with FES Protection Plan which is a complete family protection plan designed to help American consumers protect there assets, protect there identities, maximize there credit score and eliminate there debt.

Financial Education Services is committed to helping American consumers educate themselves on all things related to credit and debt and believe that by providing this services it can place it part in the recovery of the economy. Financial Illiteracy is believed to be the main reason for our current state of affairs and FES addresses that issue.

By becoming an independent sales agent with VR-Tech Marketing Group, you will soon realize that you are embarking on a personally rewarding and fulfilling opportunity to increase your earning potential while at the same time providing meaningful assistance to members of your community.

You will find the opportunity for success by selling our Credit Education and Credit Restoration, MyCare (Estate Planning) and Identity Theft Protection products, and by sharing this opportunity with other potential sales agents. By recruiting and training others to become successful sales agents, you not only share in the additional financial rewards, but also gain the personal satisfaction of helping others obtain their financial dreams and goals.

Become qualified as a field agent today and join the thousands of independent sales agents who have watched their own personal sales, as well as the sales of their organization, grow rapidly over a short period of time. Our Field Training system is based on a time proven method of product training and team building principles.

Our Field Training System is designed to ensure that all incoming sales agents are provided with a complete and uniform training program. Qualified Field Trainers have met the established sales and recruiting requirements and have passed the Field Training Exam with a score of 80% or higher.

Qualified Field Trainer’s are responsible for communicating company policy, demonstrating sales strategies and business building techniques and helping new recruits succeed in building a productive business. Each of our new sales recruits are assigned a Qualified Field Trainer to help them close their first three sales, and are available to answer questions during and after the Field Training process.

VR-Tech will be holding its first ever national seminar in Atlanta, Georgia, February 26, 27 and 28, 2010. Only $179* for an entire weekend of fun, training, excitement and entertainment!

Meet other VR-Tech leaders just like YOU All new enhanced compensation plan for 2010 designed to help you structure your group for more production and retention, Launch of our new residual product – get ready for some serious residual income, Announcement of the cruise contest winners, Awards and recognition ceremony

Here are just a few of the exciting events that you won’t want to miss …

Women's Empower Hour with Frenita Amerman and Kari Michaelson, Advanced business building techniques with Tony Swiantek's "Law of Averages", Understanding personality types to build your business with Joe Locke. Fun-filled dance party celebration!

Catch the VR-Tech vision for the next decade from VR-Tech Co-Founders Mike Toloff and Parimal Naik

Please Note: Registration will begin Friday at 4:30pm and the event will conclude Sunday at 4:00pm.

VR-Tech is very excited to host this event. Don't miss out on this great opportunity to meet other VR-Tech agents from around the country.

Mark Bustamonte is a member of the Financial Empowerment Network Team and Prime Financial Credit Services
you can also visit VR Tech Marketing Group Business Oppourtunity

United Credit Education Services is offering Online presentation webinars for people that are interested in learning more about the tremendous opportunity in the credit repair business. Teaming up with VereConference, UCES will be able to reach potential clients or people interested in starting a business to help people with bad credit with greater impact.

The recent changes in the home loan market has made this opportunity the chance of a lifetime. Almost all lenders in the last 6 months have all increased their credit score requirements which means that a lot of potential new home owners or people trying to refinance their home that have credit issues will need to educate themselves about credit and go thru a credit repair program.

The utilization of VereConference to create presentations that can be accessed and viewed 24/7 or to conduct weekly live presentations has awesome marketing potential and is a tremendous training tool for new clients and agents.

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Teamand Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

Are you looking to repair your Credit? Don't fall prey to Credit Repair Scams on the internet. According to the FTC who enforces the Fair Credit Reporting Act, it is illegal to remove accurate data from your credit report. Collections, charge-offs and late pays will remain on your report for seven years, bankruptcies 10 to 12 years.

Boy, are you screwed! Just dig a hole and climb in and bury yourself!

The truth is that although the statement above is true, what about the laws that protect the consumer that requires the credit reporting agencies to verify the information they report? What is there process for verification? Is it verified just because the collection company say's you owe the money? What if you really owe the debt and the third collection company that bought your debt for pennies on the dollar can't verify that you owe the debt? Is it OK for them to continue to report it?

There seems to be a lot of information available that say's you can't clean-up (Opp’s, I forgot, clean your credit is a bad word) let’s re-phrase that, Credit Repair and Credit Restoration. That’s better; let's talk about “Credit Repair and Credit Restoration”.

Credit Repair and Credit Restoration is a process that involves the following;

Becoming aware of the issue, Recognizing the benefit, Making a commitment to change the way you handle your finances, Creating a plan, And finally following thru on that plan

Now if you have had bad credit for a while then you probably want to consult with a professional to help you start down the path of “Credit Repair and Credit Restoration” You may want to hire a Certified Credit Consultant to review your financial picture and see what changes can be made to help manage your finances. They can also help point out for you the long term financial benefit of correcting your credit so you can benefit from reduced interest rates on your mortgage, car, credit cards and any other items that might be affected by your credit rating.

What about the information on my credit report? What about that collection account or charge off that has been on my credit report for the last 5 years you have no record of but the collection company says it's yours? According to the FTC it can't be legally removed. And since they said it your, I guess it must be. Not true! If the collection company can't verify that it is yours, the credit reporting agency MUST remove it; even if it is yours!

The credit reporting business, a billion dollar a year business, has done such a poor job of accurately reporting customers information or informing customers of ongoing changes that may help the consumer, that the laws allows for unverifiable information to be deleted. If a customer has information on there credit reports and it can’t be verified then the credit reporting agencies must remove it, whether it belongs to you or not, PERIOD!

This is the premise that most credit repair companies work under. They know that the credit reporting agencies and the collection agencies have not done what they are being paid (billions of dollars a year) to do. They know if the Fair Credit Reporting Act law are applied correctly in the dispute process that the chances are that information will be deleted whether it is accurate or not. Is this wrong or immoral? The question needs to be is OK for the credit reporting agencies to report unverifiable information. With the profits the credit reporting agencies make each year you would think they could implement a process that provides accurate reporting

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

There are several reasons why a person should start a home based business. But the question really needs to be answered by the person who may be considering starting a home based business as to why they want to.

Here are some of the obvious reasons:

Tax benefits Be your own boss Earn as much income as you want Develop residual income Set your own working hours

There are many types of home based business programs available. If you search on Google “Home Based Business”, you will pull up 466,000,000 websites.

Everything from Home Based Business for Moms, MLM’s, Affiliate Marketing Programs, Home Based Business Books, the list goes on and on. Some of this information is good; some is just common sense information. You can also pay a wide range of cost to get involved with a company or organization.

The best advice I can give you if you are interested in starting a home based business is to find something that you are passionate about, find a company that you can align yourself with, and then do your homework on that company. Make sure that the company can do what they say, and have done in the past, all that they have promised for there customers and representatives.

My preference since 1999 has been the MLM model. I started out in 1999 in the credit repair business. I have now been involved in that industry for the past 8 years. It has been a joy to be able to provide people with a service that has the potential to really change there lives.

As a distributor for United Credit Education Services (formerly Third Eye, Inc.) the training that I have received and the education regarding the credit industry has helped to provide my family as well the same benefit that my clients receive. United Credit Education Services credit repair process is extremely profession and they do an awesome job helping clients to restore there credit and provide them with education materials to keep them on the path to achieving financial stability.

I have been able with United Credit Educational Services to earn a decent income while helping people achieve there goals of having good credit. It is a company that I am proud to be a part of.

If you are interested in receiving more information on United Credit Education Services contact

Credit Education is one of the most lessons we can provide to our children. It amazes me that to this day our children are not taught the importance of credit in our school systems. Many of us as adults had to learn the hard way the importance of credit and maintaining a good credit score.

In America our financial success or lack of can in many cases can be contributed directly to our credit profile. I have been in the financial industry for the last 8 years and it amazes me how little people understand or know about the credit industry. It almost makes me wonder that if someone has good credit are they just lucky? It certainly wasn’t because they new how the credit industry works. If some had bad credit were they just unlucky?

I realize there are many reasons for a person to have bad credit; loss of a job, medical issues (with no insurance), divorce, and the list goes on and on. But in some case credit education may have helped the situation.

The bottom line is that I have seen so many good people be denied the opportunity to achieve a higher degree of financial success do to a lack of credit education. Something has to be done to educate or the youth in this country to try to prevent them from having the same financial struggles we may have had or are currently experiencing do to a lack of financial and credit education. I believe that it starts at home. When I was growing up in the 60's and 70's, finances and credit scores where not a topic of discussion around the dinner table. I had to learn the hard way.

Today things have changed as far as the types of things that can be discussed with your children. Kids today are a lot more aware of or are exposed to a lot more things thru the media. I don’t believe it is a good idea to shelter our children from these types of topics. Teaching our children the importance of credit and financial responsibility is one of the most important things we can teach our children.

Our school systems as well need to help by offering if not making mandatory some type of classes that deal specifically with the credit industry, credit or personal finance.

If you are experiencing credit or financial problems it has to be a family effort to help resolve the situation. If not, what ever you are doing well not work. All parties, wife, husband and children need to understand that there has to be a change in the way finances are being handled so that credit rating can be restored to a level that will make life easier for everyone. By including all family members then perhaps this will help everyone to learn and understand the importance of credit and personal finances.

For more information on Credit Education please contact:

Mark Bustamonte Certified Credit Consultant United Credit Education Services www.unitedcredited.com 954-707-2932

I wanted to talk a little bit about the opportunity to become an Independent Agent with VR-Tech Marketing Group and United Credit Education Services. I am a former loan officer (10 years) and have worked with a lot of customers that were looking to get there credit repaired so they could either buy a home or refinance there current home. In todays market place and over the next several years we are going to see a lot of consumers looking to recover from the current economic crisis and in order to do so will need to fix there credit.

There are a staggering number of people with bad credit that need this service to give them a fresh start. So the question is; if you’re not in the mortgage business or in real estate than how do I find customers?

In recent months there have been a lot of changes in the lending guild-lines regarding credit and over the next several years you are going to see additional changes in the credit score requirement to get a home loan. With that being said if you were to approach every loan officer or mortgage company as well as the real estate agents with this service they will respond. They know the changes that have been made or that are coming in the near future and if they don’t there in for a big surprises and will coming running to you with clients once they find out.

Besides talking with mortgage brokers or real estate companies, the people you see everyday are candidates for this process, all you have to do is hand them a business card and let the business card do the talking. My experience has been that when you hand someone a business card and it say's “Credit Repair” you are going to get one of two responses, either they say nothing or they start to tell you there problems with there credit scores, period!

Some of these people may not to anything immediately, but if you stay in contact with them they will eventually get tired of being denied and want to improve there lives and will enroll in your credit repair program.

This type of marketing I like to consider old school marketing. Old school marketing requires rubbing some skin, belly to belly. Part of your marketing needs to be talking with people face to face and part, networking on the internet. VR Tech Marketing Group and United Credit Education Services program works great because you have a product that people need and want. Believe me, credit education and credit repair is going to play a major role in everybody’s lives as all type of situations require more and more for customers to have good credit. Not just lenders but, insurance companies. Utility companies, rentals,empolyers, and the list goes on and on.

So, the bottom line is you need to have a reputable company, you have to have a solid product and you have to have a solid customer base. VR Tech Marketing Group and United Credit Education Services provides a solid business model and service, and the need for credit repair and credit education is enormous.

United Credit Education Services is a Michigan based Company specializing in Financial and Technical Support Services. They offer a wide range of products including auto loans as well as Credit Education and Credit Restoration (Credit Repair).

Our Credit Restoration Services researches outdated, inaccurate and unverifiable negative entries on consumer’s credit reports. Late Payments, Collections, Bankruptcies and problem related to identity theft are all examples of negative accounts, we have helped our customer resolve.

United Credit Education Services Customer Support consultants will contact each customer with a welcome letter and will send progress reports every 60 days throughout the course of their subscription. In addition to our exceptional customer services we provide on-line progress reports for consumer to view 24/7, 365 days a year. The progress report shows the customer a listing of each negative items and the current dispute status. Customer also has access to our exclusive credit education services, A Guide to Taking Control of Your Personal Credit and Finances.

United Credit Education Services is a non-profit organization dedicated to providing financial services and solutions to consumers with less than perfect credit and debt problems. Our combined expertise represents over 12 years experience is helping consumers improve their credit and lower their debt! Bad credit can be costly. Our goal is to save consumers money when buying a home or car.

Mark Bustamonte a Certified Credit Consultant that represent United Credit Education Services is now offering FREE on-line Credit seminars on credit education and Credit Repair through the use of his TTCGlobaltalk Internet conference room. "Being able to interact with potential clients while presenting to them the various aspects of the credit industry and how credit repair can be a long term benefit to the client has been extremely beneficial" say's Mark. "It helps for the clients to see in black and white the net results from a financial aspect the benefits of this service".

Mark Bustamonte has been in the credit repair industry since 1999, "As a result of a lack of education in credit and proper management of money I was owner for many years of bad credit. When I was approached in 1999 by a Credit Repair Company and after some due diligence on the company I was willing to give it a try and have not regretted that decision and have benefited tremendously from all that I learned about Credit and how to maintain a good credit profile". "Today I have the pleasure of helping other people accomplish what they did not think was obtainable" said Mark Bustamonte.

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

Two of the big three Experian and Equifax have decided that there billion dollar a year corporations need more profit margin. Starting in 2007 the Big Two (Experian and Equifax) have decided that charging once for a credit pull when a client applies for a home loan is not enough.

The normal process for an applicant applying for a home loan was to have there credit pulled by the mortgage broker then the file would be submitted to for an approval with a national lender. The lender would than in many cases re-issue the credit on there end to verify the report. The cost for re issuing the credit will now be somewhere from $8.00 to as much as $200.00 to have the report re issued and will be passed on to the broker which ultimately will be passed on to the consumer.

In a case where you have a marginal borrower do to credit rating where you may have to shop the loan to multiple lenders this could be a cost issue that will limit the possibility of either the consumer getting the best possible loan program or knocking them right out of the market place.

Equifax according to CCNMoney.com had total revenues of 1,443.4 Billion in 2006 and Experian came in at 3.1 Billon. With this type of profits one must wonder when enough is enough, especially in a market place that is already struggling with lender increasing underwriting guild lines and the subprime market in trouble.

Unfortunately, once again the most effected will the consumers with margin credit. The only ones that stand to gain from this new price increase are Experian and Equifax.

Source of information: National Association of Mortgage Brokers and CNNMoney.com

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

Most people that have credit challenges just don’t know what to do about there credit score or feel that there is no way out and over time learn to live with there credit score situation and even become to accept the live style that poor credit affords them.

Many changes have been made to assist or help the consumers with there credit repair if they have credit issues, but from my own personal experience it can be a daunting task trying to correct inaccurate information or out dated information on your credit report and increase your credit score.

In 2002 I was a certified Instructor for Central Michigan University and taught credit repair classes to the UAW on site at the Kansas City and St. Louis Assembly plants for Ford Motor Company. The training that I received made it very apparent that trying to solve these issues required a level of training the average person just does not have. Trying to deal with your creditors and the Credit Reporting Agencies is simply a nightmare.

In an effort to help people resolve there credit issues and increase there credit score, after doing research on the different companies claiming to have a credit repair process, I have teamed up with VRTech Marking Group and Third Eye Inc. VRTech Marking Group and Third Eye Inc. offers the client a very hands on approach to assure the best results in the shortest period of time and the opportunity to continue in the process until the credit report and scores are maximized as well as first class education regarding maintaining a good credit score. Unfortunately the system that has been put in place by the FCRA is not a system that is user friendly for the common consumer to navigate.

The advantage of hiring VRTech Marking Group and Third Eye Inc. to assist you in your credit restoration and increase your credit score is you have a company that has been very successful over the past several years in helping thousands of clients increase there credit rating and improve there quality of life.

The client once they in role in the credit repair process is assigned an on-line account that helps them keep track 24/7 on the results of there credit repair process and is a notification process for missing documents that are required by the credit reporting agencies to update your credit file. The company even does follow up phone calls with the client to make sure they keep up to date with there requirements. It is really a proactive process.

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

United Credit Education Services has done it again. There already popular Credit Repair and Credit Education program has just got better. Clients will now be able to purchase Credit Coach which will help the client to better understand there credit reports and help them to analysis and optimize there credit reports.

The recent change to the name of the company along with the addition of this new product are in line with the companies mission statement "To provide first class Credit Repair but more importantly educate the client on the important aspects of Credit thru Credit Education".

The new name United Credit Education Services and the launch of Credit Coach are scheduled for early February.

In my experience as a Certified Credit Consultant the biggest problem I have encountered with clients is there lack of understanding of the credit industry as well as there lack of understanding of the process for credit repair. In a recent interview with Sue Griffin (Director of Distributor Support), Sue outlined the credit repair process. If you are interested in hearing this interview go to my internet broadcast radio show on TalkShoe (see link below).

There is also a interview with Anthony Stroman on the importance of credit in today's market place. Specifically, in recent months there have been many changes in the mortgage industry as far as credit score requirements by lenders. This trend is expected to continue through 2007. Persons that are looking to buy new homes in 2007 will more than ever want to be aware of the credit situation and plan far enough in advance to prepare for any credit issues that need to be resolved prior to submitting application for a home loan.

Article Source: http://EzineArticles.com/?expert=Mark_Bustamonte

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

The lenders today have upped the ante on getting a home loan. Recent events on in the hosing market and on Wall Street, have caused the national lenders to take a hard look at there underwriting guild lines and whether or not there guild lines will satisfy there investors.

A recent report by the CRL (Center for Responsible Lending) (www.responsiblelending.org/issues/mortgage/reports/page.jsp?itemID=31214551) states that 2.2 million borrowers face foreclosure on subprime home loans. This translates to $164 billion due to foreclosure in the subprime mortgage market. CRL report also stated that 1 out of 5 subprime loans written in 2005 thru 2006 will fail.

With this type of prediction being made it is not surprising that a lot of subprime lenders are now increasing there requirements for subprime loans. Increased credit score requirements as well as changes to the types of loan programs that will be available.

Credit Repair and Credit Education will be the key for new first time home owners that are coming into the market place that have had credit issues in the past. It wasn't that long ago when a borrower with a 580 credit score, no reserves, some late pays and no rental history could get approved for a 100% financing with out any problem. Today underwriters are scrutinizing these types of files and although this type of borrower may today still be able to go to a limited number of lenders and get approved the chances are that 3 months from now it most likely will not be the case.

The ideal borrower in the near future will have a minimum credit score of approximately 620 with a credit profile for the last 6 months to a year.

What can we do to help - Lenders and Real estate agents need to get ahead of the curve when working with potential buyers. Credit seminars to educate borrowers are greatly needed. Get the people that want to buy and that have credit issues into a good credit repair program that offers credit education as well.

The current trend has been for a long time real estate agent find interested borrowers who are now scurrying to find a loan with no prep time for credit issues or credit education. It is not the real estate community fault, I have found in many case borrowers are not willing to to attend an educational forum to learn about the impact of credit do to other obligations. The truth of the matter is this could be the most important obligation they could make.

United Credit Education Services is committed to helping clients, real estate agents and lenders help educate there borrowers and improve there credit rating through educational tools as well as good old fashioned credit repair.

If your are a mortgage broker or a loan officer find out how you can utilize these educational tools for your subprime borrowers and provide them with much needed education as well as the opportunity of home ownership.

If you would like a tour of the back office to see the type of information and tracking mechanism that the client, agent or loan officer will have, please call me and i will walk you through the system.

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.

After many years of successful operation as Third Eye, Inc, in-order to better identify with the companies mission statement and with the launch of a new product: credit coach (due out in February) Third Eye, Inc has undergone a name change

United Credit Educational Services (UCES)

UCES will be providing an add-on product to enhance its already popular Credit Repair Program; Credit Coach. Credit Coach will be an educational tool that customers can utilize either prior to enrolling in the Credit Repair Program or utilize while in the process. The goal of UCES is to provide educational tools to help the clients to better understand there credit rating.

The launch of this new product is scheduled about the mid of February. A part of Credit Coach is an analysis tool (for all 3 bureaus) that will teach the client about there credit reports and what they can do outside of the credit repair process to help increase and maintain there scores.

The clients will also have access to a Varity of calculators along with educational materials to help them put together a plan to become debt free.

This product has been reviewed in beta by many different entities in the lending arena and has received rave reviews.

The mission of third Eye, Inc and now United Credit Educational Services has always been to provide the client with the best credit repair service and credit educational materials available.

My name is Mark Bustamonte and I am a proud member of the Financial Empowerment Network Team and Prime Financial Credit Services. For more information you can also visit Credit Repair and Credit Education.