Helping Build And Uplift Our Communities Financially
Track your income and spending by creating a personalized budget. Use your Budgeting Report to follow your progress each month and make the necessary changes to come in under budget - giving you more money to enjoy, to save, or to pay off your debts!
Our credit education services can assist you in challenging the credit bureaus to remove inaccurate, obsolete and erroneous items from your credit report. Restore your score and maximize your financial opportunities!
Our attorneys will evaluate your case for difficult to remove, inaccurate items on your credit report. If legitimate, they will sue the agency to clean up your report, in which case you may be entitled to compensation.
Your interactive credit report, money manager and financial account alert system. All of your online accounts in one, organized place with transaction and credit monitoring alerts sent straight to your phone!
Roadmap your financial contacts and information in one central, online location that can be accessed at anytime. This organizational tool can be personalized to forward to a contact of your choice in case of emergency.
Create a sound financial strategy for your loved ones in the case of the unexpected. FES Agents are entitled to a $30,000 term life policy; with incremental increases the longer you maintain your membership.
Discover your Net Worth by figuring out your assets and liabilities, and using our quick and simple calculations to see where you stand! Your Net Worth Report will help you continue to build your Net Worth by tracking your progress as often as you'd like!
Achieve your goals by setting goals! Create multiple goals within the Savings Goals system and input how often you can personally put money aside. The system will calculate what you need to save based on how often you can...
Protect your loved ones by preparing the same Will & Trust documents you would in an attorney’s office, but from the comfort of your own home. Maintain your membership and changes can be made at anytime, cost-free.
Learning and working with FES has been more than blessing to my family and I. When I joined, my credit score was a 545, I had just recently had my car reposessed, and I gave birth to my third child. Within 3 months, Financial Educational Services helped increase my credit to a rising 680 score, all while giving me an extra stream of income to support my family. Growing up, I was always told that I shouldn’t get a credit card, and that debt was a bad thing. I have now been taught the rules of the land and understand that CREDIT IS KING! Thank you FES for helping me grow and take my life towards new dimensions.
What if you could have the benefits of a traditional business career, but without someone else controlling your income, hours, partners and overall job security? Maybe you’re comfortable in your job, but would like to increase your opportunities and income without trying to balance the multiple schedules created for you. Technology is continuing to advance, the business world is rapidly changing and you can take advantage of it. Take control of the possibilities. Enjoy what you do. Welcome to Financial Education Services.
With our credit restoration program, we will assist you in challenging the credit bureaus to remove inaccurate, obsolete and erroneous items from your credit report. Restore your score and maximize your financial opportunities!
Your payment history is the most important aspect of your credit score, because it shows how you’ve managed your finances, including any late payments. Your credit history is also very important, as it demonstrates how long you’ve been managing your accounts, when your last payments were made, and any recent charges.
A credit score is a three-digit number calculated from your data-rich credit report and is one factor used by lenders to determine your creditworthiness for a mortgage, loan or credit card. Your score can affect whether or not you are approved as well as what interest rate you are charged. There are many different credit scores and the credit score you view may not be the score used by a particular lender.
Your payment history makes up 35% of your score, while the amount you owe lenders represents 30%. The length of your credit history contributes 15%, and the types of credit accounts you maintain comprise 10%. Finally, new credit accounts are responsible for 10%. All of these values are then broken down into a credit score, which ranges between 300 and 850—the higher the number the better.