Frequently Asked Questions

For your convenience, we have composed a list of frequently asked questions.


1) What is Credit Restoration?

Credit restoration is also referred to as credit repair. This process consists of disputing the accuracy or validity of account information on an individual consumers credit report.

2) How long does the dispute process take?

The dispute process can take anywhere from 30-45 days business days.

3) How long does it take to see results?

This varies case by case, but you can see results in as little as 3 months or up to 12 months.

4) Credit Bureau

Credit bureau, also known as a credit reporting agency, collects data on a consumer from creditors and then sells your information to lenders and other third parties. Equifax, Experian and Transunion are the 3 major credit bureaus in the United States

5) What is considered a late payment?

When an account is unpaid 30, 60 or 90 days but is not in collections.

6) What is considered a charge off?

Any account that is unpaid for more than 180 days. The credit normally writes off the debt as a loss on their financial statement. Sometimes this account is transferred to a 3rd party or collection agency.

7) How long do negative items stay on your credit report?

Inquiries- 2 Years

Collections - 7 Years

Bankruptcy- 10 Years

8)  What forms of payment does UCS accept?

As of right now, we accept payments via PayPal, Zelle and CashApp.

Hopefully these questions have provided you the necessary clarity to move forward. If for any reason you have any additional questions, please feel free to contact us here through the website or via the phone at (312) 569-0202.