UCES Protection Plan Review 2024: Is UCES A Scam or Legit?

Written By Eddy Ballesteros

Updated on: February 7, 2024
UCES Protection Plan

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Update on UCES:

After further researchIt seems the UCES Protection Plan is undergoing some maintenance. Make sure to do your own research and read this blog post review. P.S. I have some awesome alternatives, just in case.

Read my resources list below.

Credit Repair Tips

Do you need to improve your credit score and get access to affordable financial services?

Find out in this UCES Protection Plan review how you can take advantage of its services and see if it's legit or not.

United Credit Education Services also offers a wide range of features that will help keep your credit in check, such as monitoring all three major credit bureaus through SmartCredit, unlimited dispute letters that credit experts create, and much more.

So how does the dispute process work? Can you really monitor your credit score for free? Is UCES a complete SCAM?

These are some of the same questions that that I asked myself so, I really hope this review will help you.

Let's get started.

UCES Protection Plan Overview

UCES Protection Plan

UCES Protection Plan (United Credit Education Services) is a company that offers its clients over 12 financial products, including credit protection services.

The business has been operating for many years, meaning it has gained enough experience and expertise to provide excellent solutions today.

πŸ’° Pricing

$188 to get started which includes a $99 setup fee. Then have the opportunity to have your services paid for every month

πŸ‘ Pros

Great Educational Products, Rocket Lawyer Services, & 12 Other Financial Services Offered

πŸ‘Ž Cons

You will need send out your own disputes via mail. They do not send out your letters like a credit repair company does. Associated with Network Marketing

Overall Rating

UCES Protection Plan (uces/uwe) is worth it for the price if you need something beyond credit repair. You will be able to get attorney written documents and assistance with financial services. What blocks many people from starting is the MLM structure of the company.

Need A Better Alternative To UCES?

What Is UCES Protection Plan?

The UCES Protection Plan offers services to help people plan for their financial future, as well as to help improve their credit scores using credit repair.

From creating wills to estate planning, from car accident lawsuits to disability insurance, from divorce agreements to child custody cases, if you have any issue or question about the law and what it means for you personally, then United Credit Education Services can help find what's best for your specific situation.

UCES focuses on providing the best services for restoring your credit through partnering with Smart Credit, creating dispute letters, and identity monitoring.

UCES Protection Plan Overview

Who Are The Founders Of United Credit Education Services?

Financial Education Services created the UCES Protection Plan, now United Wealth Education.

They recently updated their business name after partnering with big companies such as Rocket Lawyer and revamping their entire platform.

FES has existed for many years, and many don't know they are associated with United Credit Education Services.

Who Is UCES Protection Plan For?

United Credit Education Services is best for those looking to rebuild their credit, as well as those who need help with credit repair and legal documents.

They are one of the many companies trying to help people with different financial situations.

It's perfect for:


  • People who need to fix their credit score
  • Anyone looking to monitor their credit report
  • For someone who wants professional legal services
  • In need of a will & trust documentation
  • Life insurance policy
  • Debt management
  • & so much more

So like I stated, if you need legal help like a will, if you need financial advice such as harassment from collection agencies and credit repair, then United Credit Education Services might be the best solution for you.

Check Out Our Best UCES Alternative

How Much Does UCES Protection Plan Cost?

United Credit Education Services has a monthly fee of $89 and an activation fee of $99.

The longer you stay in the protection plan, the lower your monthly fee is, ranging from $89-$49.

Once you reach three months of service, your Rocket Lawyer plan activates, and your monthly fee drops to $69. That will apply for months 4-12, and after that, you will only pay $49, which is a complete steal for Rocket Lawyer and SmartCredit.

UCEs Protection Plan Pricing

There are no long-term contracts, so you can feel safe leaving anytime you want.

They offer an opportunity to get your services paid for through their referral program. If you get 5 others enrolled in the UCES Protection Plan benefits, your fee is waived every month as long as you have 5 others enrolled.

This may seem strange to most people but at the end of the day. It's a side hustle for most people. You are not forced to refer anyone, and you can join without inviting others to sign up. 

What Does UCES Protection Plan Offer?

UCES Protection has over 12 products you can use to improve your credit score, create legal documents, and protect your identity.

Let's go over each service that they provide.

  • Rocket Lawyer
  • Credit Monitoring With SmartCredit
  • Budgeting
  • Credit Restoration
  • Credit Builder
  • Credit Attorney
  • Debt Payoff
  • Identity Monitoring
  • Life Insurance
  • Financial LockBox
  • Saving Goals
  • Will & Trust
  • YFL Family Mint
  • 1. Rocket Lawyer

    United Credit Education Services has now included Rocket Lawyer to your protection plan after you have made 3 monthly payments.

    Rocket Lawyer

    After you make three monthly payments, one of the benefits included in the program is access to this online lawyer service with all the legal documents and guides that can be downloaded and filled out for FREE with your plan.

    Rocket Lawyer is a reputable company that has been around for years, and if you need a lawyer, their lawyers (some of the top-rated in America) can represent you.

    Features Included in your Rocket Lawyer Membership:

    • Every legal document that you need for yourself & business
    • Unlimited digital signatures with RocketSign
    • Have a lawyer review your documents
    • Dispute protection on all your documents
    • A 30 minute phone call with a lawyer on any new issues

    2. SmartCredit

    SmartCredit is a service that will monitor your credit score every month.

    The cost for this service alone would be $19.99-$29.99 per month however, United Credit Education Services gives you this service for FREE.

    SmartCredit UCES

    This is a great tool to monitor your credit report and score over time and see what you need to do to achieve the best possible credit.

    You get complete control over your dashboard and will be able to view your credit score, See changes to your credit report, see what negative or incorrect items are reflecting on your reports.

    Looking For A UCES Alternative?

    3. Budgeting

    Budgeting is an important aspect of life.  Without proper budgeting you're going to find yourself in a cycle where it's very difficult to get ahead financially.

    With this benefit, you will be able to fill in the blanks and end up getting a budget that works for you.

    4. Credit Restoration (United Credit)

    Their credit restoration services offer many benefits, such as creating advanced dispute letters, removing incorrect items, and improving your credit.

    United Credit is definitely working hard when it comes to removing items off your credit report by using laws such as the FCRA and CROA to your advantage.

    United Credit Education Services

    United Credit Education services has been in the business of credit restoration for over 10 years with an amazing customer support team.

    ⚠️ It's important to understand that you will send out your dispute letters via mail throughout the entire credit repair process. UCES will create the right disputes for you, and you'll need to download them and send them off to the 3 major credit bureaus.

    5. Credit Builder

    United Credit Education Services (UCES) offers an educational program which will help you build your credit history and improve your credit score.

    Credit building With UCES

    Your goal here is to make sure you avoid any late payments and start building a positive credit history.

    With this program, you will be able to monitor your progress and see the change in your score over time.

    6. Credit Attorneys

    Credit attorneys are included in your UCES Protection Plan for you to consult with an attorney if needed.

    Their lawyers are experienced and professional and can help you make decisions that involve debt harassment from collectors.

    If collection agencies or debt collectors are:

    • Constantly calling you over the telephone
    • Threatening you with actions that the debt collector cannot presently take, such as garnishments, loss of home, car, job, or criminal proceedings
    • Lying to you and making you feel stress
    • Contacting your family and friends about your debt
    • Calling you before 8:00 am or after 9:00 pm
    • Leaving messages on your VM.

    You will have the credit attorney service to help by using the law. (FRCA & CROA)

    7. Debt Payoff

    The Debt Payoff program is a complete guide to help you pay off all your debts. You will be able to start seeing your debt decrease with this program.

    This step-by-step process will help you see your progress over time because each month, you'll be able to apply money to eliminate one or multiple debts.

    8. Identity Monitoring

    UCES Protection Plan includes PrivacyArmor, owned by AllState and will help protect identity through a proactive monitoring service.

    PrivacyArmor features include:

    • $1 million identity theft insurance
    • Pre-existing condition resolution
    • Dark web monitoring
    • Enhanced identity monitoring
    • Social media monitoring

    Don't forget that this is all included in your plan for no additional cost.

    9. Life Insurance

    You will get a life insurance policy through Symetra when enrolled into UCES, but you must be an active 1099 partializing representative of United Credit Education Services.

    Symetra has been around for a long time and is known for its stability and reliability.

    Life Insurance UCES

    You will need to fill out the life insurance application in order to be approved, but they do not run a credit check and they require no down payment!

    10. Financial LockBox

    Financial Lockbox is an online solution that enables you to store financial data in a single, secure, password-protected location for easy access by you or loved ones that you select and authorize.

    Financial LockBox

    The Financial Lockbox is an online solution that enables you to store financial data in a secure, password-protected location for easy access by you or your loved ones.

    It allows you to log in anytime from anywhere worldwide, review your accounts and balances, and update contact information for all your financial accounts. 

    All with a simple interface accessible by any browser or Internet-enabled device. 

    11. Saving Goals

    UCES Protection Plan savings service will be a guide that will help you plan your goals and help you save money for the specific goal.

    Features included with your goal planning:

    • Quick and Easy to Calculate
    • Create Multiple Goals at Once
    • Utilize Your Savings Goal Report to Track Your Progress
    • Ability to Add Additional Money Throughout Your Savings Period

    start a saving plans today.

    12. Will & Trust

    Create your will & trust using attorney-backed forms that is good in your state.

    UCES legal forms will be utilizing β€œfillable PDF” technology. Fillable PDFs allow you to fill in the document online, save it, and print it out hassle-free. The protection plan legal forms are clear, concise, and simple to use for anyone.

    What's included?

    • Last Will
    • Living trust
    • Health care power of attorney
    • Financial power of attorney

    13. YFL Family Mint

    The Family Mint financial education service included in your UCES Protection Plan is an award-winning online money management and goal-setting tool that encourages kids to learn about financial responsibility in a fun way.

    It's simple for children to use, connects them with real-world significance, and, most importantly, allows them to learn by doing.

    You get access to the most up-to-date financial education curriculum with this service.

    That basically makes up the entire UCES protection plan and you can how powerful the system is by how many things it can do.

    They also provide a full game plan for your credit repair process, from correcting mistakes to rebuilding and improving your credit.

    Just remember that United Credit Education Services isn't like the rest of the credit repair companies out there.

    You must stay on top of your credit restoration service, checking your credit score and doing whatever is necessary to maintain a good score. They make it easier with complete access to free online credit reports and unlimited access to your reports.

    Take advantage of all the services you get, including the legal documents from Rocket Lawyer.

    Just alone, you'd be paying over $100 dollars for all the services a la carte, but with the UCES Protection Plan, you get it all for half the price.

    Does UCES Provide Other Services?

    On top of all the other services you get, they offer credit-building products designed specifically to improve your score after you send out your dispute letters.

    They offer a rent reporting service called Credit My Rent that allows you to report your previous and current rent payments to increase your credit score.

    Credit My Rent

    This service includes reporting up to 24 months' rent to the credit bureaus. It also provides a report showing every payment, when it was made, and to whom it was paid.

    You also get an option to build credit early with a secured credit card. First Progress Platinum MasterCard also offers you the option of obtaining a secured credit card.

    This is activated by placing a security deposit instead of impacting your credit score.

    This program has much to offer, from credit repair services to free legal documents. However, the most important thing they offer is their service that helps you create and save for your financial goals without all the stress.

    If you have ever wanted to start your own credit repair business from home, check out this blog post.

    United Credit Education Services UCES

    Whether you need help setting up an emergency fund or saving for something bigger like a down payment on a house, the UCES Protection Plan can make it happen by helping you stay focused on what's important while ensuring you're never short of money when the time comes.

    As mentioned before, credit building is the main priority for the UCES Protection Plan, but this product makes dealing with your debt much more accessible.

    Remember that because of all the additional services offered in the protection plan, you must stay on top of reporting your score and disputes each month. You will have to send out your own disputes.

    Is UCES Protection Plan A Scam?

    No, the UCES Protection Plan is not a scam and offers legitimate credit restoration services and financial products.

    Many people have successfully reduced and eliminated incorrect or negative debt using this service, so there's no reason why you wouldn't be able to do the same.

    Remember that this company is unlike other credit repair companies in that they will not do the work for you, and you must follow their step-by-step process.

    They also have partnerships with SmartCredit, RocketLawyer, and PrivacyArmor, which shows me they have helped people.

    Is United Credit Education Services A Pyramid Scheme?

    No, they are not a pyramid scheme as they do provide you with ethical services that work.

    You do not need to become a sales representative or refer others to get UCES Protection Plan services.

    This is a legitimate company that helps with credit restoration and education services

    You can save hundreds of dollars by utilizing this service instead of going at it alone, which means the savings potential is endless.

    If you spend a little time each day learning about the credit industry and working on your score, you'll see a lot more success with the UCES Protection Plan than you will if you don't put in any effort.

    It's also important to remember that this company doesn't have an "instant gratification" option. It can take a few months to see results, which is normal.

    You won't be able to remove negative information from your credit report instantly, and you will need some patience as you work on improving your score and raising it by a few points.

    If this is too time-consuming or you don't think their credit repair service is for you, other options, like Credit Sesame, give users a free credit score.

    UCES Protection Plan BBB

    Credit Repair Service Alternatives

    If the UCES Protection Plan services doesn't feel right for you, then you can always check out their competitors by searching online.

    We've compiled a list of some of the best options available for people looking to improve or restore their credit score by removing negative or incorrect information from their report.

    • The Credit People
    • The Credit Pros
    • Credit Saint
    • Lexington Law
    • Ovation Credit Repair
    • Sky Blue
    • Credit Versio

    Read my full review on The Credit People to see why it's our #1 recommended credit repair company.


    That completes the UCES Protection Plan Review.

    Let me know in the comments below if you have worked with them or have any questions.

    Check out these other blog posts on the best credit repair software.

    About the Author Eddy Ballesteros

    Welcome to Credit Plush! Credit is something I'll always enjoy writing about. I've helped many people improve their credit scores and start their credit repair businesses.