Credit Restoration

Credit Assistance and Restoration
Our firm offers credit assistance and restoration to improve beacon scores to qualify for home ownership, auto loans and other credit purchases. Good credit restores life choices and gives you back control.

Option 1. Online Application
Select the Online Application button to the right to submit your information to our online processing department.

Option 2. PDF Application
Select the PDF Application button to the right to download our application and fax or mail in your application.

DO YOU DESIRE A NEW HOME AND YOUR CREDIT IS NOT GOOD ENOUGH?

HAVE YOU GIVEN UP ON YOUR CREDIT?

DON'T! UBU CAN HELP!


UBU, "The Premier Legal and Business Professionals" will do your credit restoration right the very first time. Excellence, Efficiency, and Effectiveness is our motto.
Facts: Nothing has as severe an impact on your credit score as negative items. A single 30-day late payment can pull your score down by 60 to 110 points. Not surprisingly, the removal of questionable negative items has proven to be the most effective way to improve a credit score.
With over 35 years of legal and business experience, UBU has developed a vast arsenal of tools and strategies that have proven to be quite effective at removing negative items. In 2010 alone, our clients saw thousands of negative items removed from their credit reports. Most went on to purchase homes and have maintained an excellent credit rating.
FREQUENTLY ASKED QUESTIONS
1. How often should I expect to receive mail from the credit bureaus?
	Every 35 to 45 days you should expect to get an updated credit report, while UBU is in the dispute phase.
2. What should I do with the mailed credit reports that I get from the credit bureaus?
	Make copies and send it to us via fax at 770-473-9895, or mail to P.O. Box 1343, Jonesboro, Georgia 30237. You can also email credit reports to info@universalbizunlimited.com Because we recieve numerous emails daily, please be sure to place your name in the subject bar of the email.
3. What can you take off of my credit bureau report?
	We can take off collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, judgments, student loans, credit card debt, inquiries, slow pays, old addresses and the like. There is no way to know what tradelines will be removed in advance. However your credit profile will definitely improve if you follow UBU's instructions.
4. Will the accounts you take off my credit bureau report ever come back?
	On average only 1 out of 10,000 will re-appear back on your credit when we remove the account, but very rarely. After the account has been deleted two times, by law it can not be put back on your credit report.
5. Who are the three Credit Bureaus?
	Experian, Transunion, Equifax /CSC Credit Services.
6. How long does information remain on my report?
	Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 bankruptcies remain on the credit report for ten (10) years andand Chapter 13 Bankruptcies are each reported for 7 years. The date is measured from the date of the filing.
7. Why do Credit Bureaus not want me to use a Credit Restoration Company?
	The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit restoration company after months of work and with minimal to no results.
8. How long would it take UBU to restore my credit to industry standard?
	There is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. On average it takes between 90 to 180 days for UBU to restore your credit. However, you must follow UBU's instructions simultaneously.
9. Does paying off my bills help my credit?
	The credit reporting system doesn't work that way. When you pay an old debt, the negative credit listing doesn't disappear. In fact, it re-ages and the seven year clock begins again with that negative listing. The most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing. But it does heal over time.
10. How does a Credit Bureau make money?
	A credit bureau is a commercial business. It makes money by selling your credit report to others. A person with bad credit means more business for them as such a person applies for credit about ten (10) times more than a person with good credit.
11. Who can see my credit report?
	Anyone who wants information for a business transaction between you and them may obtain your credit report. This may include an insurance company, a prospective landlord, a prospective employer, a collector or a government official.

12. Why should I use a Credit Assistance Company?
	The most common reasons are that individuals either have already tried themselves with limited results, or they just don't have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible, and we will get results.

Why not allow UBU to assist you with your credit restoration needs? It really works.

You will be well on your way to the "American Dream" of homeownership, and the privileges an excellent credit rating provides.

Universal Business Unlimited, Inc. is the premier, leading and cutting edge one-stop business center nationwide.

Our goal is to offer quality service to executives, corporations, consumers,
and specialty services to professional athletes and celebrities.

Our focus is on helping our clients obtain the best possible outcome for a competitive, but reasonable fee.

Testimonials

	I knew one of the principals of UBU. I had used credit repair companies in the past, and my credit never got any better, but in fact, got worse. I had collections, charqe-offs, my student loans were in default, and everything that could be wrong with my credit. UBU set up a plan and got me out of default, and in only a very short time, my credit score improved dramatically. Through UBU's Homebuyer Consultation Program, I was able to obtain, move into and purchase my dream home in record time. UBU representatives were courteous and professional, and very effective in restoring my credit. My credit score is excellent and is currently on an upward trend. Thank you, UBU!
	- Leonie D. Acworth, GA

	I came to UBU through a referral from another UBU successful client. My husband and I wanted a home desperately, but my credit was terrible, and so was his. UBU's representative was patient and believed that they could help us. After only a few short months, my husband's score was on the rise and we were on our way to homeownership. During the process, we had a lot of hurdles, but UBU never gave up on us. Once my husband's score was ready, UBU found us a mortgage with an excellent interest rate, even when my husband's score decreased suddenly, during the loan process through no fault of our own or UBU's. UBU was very professional, and got us through, in spite of the odds. We are now living in our dream home! We just closed on a 6BR 3B estate home, and UBU made it all possible. If you think it can't be done, UBU can and will do it for you. They have made believers out of us. UBU, you are the best!
	- Albert and Wanda O. Griffin, GA
	I came to UBU through a referral from a friend. When I started, my credit was terrible, bankruptcies, charge-offs and a lot of bad debt. UBU worked with me and was able to clear up the credit. During the process I was served with a judgment, and I brought that to UBU as well. It was cleared in a week! UBU's representatives were very patient and understanding of my situation and I will definitely recommend UBU to anyone who needs their credit restored because I am proof that it works. My score is right under 700 and is steadily rising. I have now regained control of my life, and I can use my credit whenever I choose at any time. Thank you UBU!
	- Denitria F. Atlanta, GA