Credit Audit Verification and Restoration

Included in your membership is representation by an assigned Dispute Specialist to challenge the 3 major national credit bureaus and force the removal of derogatory information from your credit report. As a special member benefit, only extended to USCCRA Members in good standing, our Dispute Specialist will aggressively represent you with NO up front fees nor ongoing monthly fees. Your total legal fees are only $5 per deleted or corrected item per credit report; billed and paid directly to USCCRA as a "correction fee"- payable ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS.

Free $1000 Gas and Groceries

Get rebates for up to $500 worth of gas and $500 worth of groceries by going to your favorite gas station and grocery store. Gas stations and grocery stores want your business more than ever. This benefit alone will pay for an individual membership!

Free Legal Advice

Membership includes a membership into our National Law Club, a national network of over 20,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or letter written on your behalf by one of our plan member attorneys. Members are encouraged to embrace the legal system and to make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters. Services included at NO CHARGE are unlimited phone consultation, attorney review of legal documents, necessary calls and letters by your attorney, simple wills for you and your family, advice on representing yourself in small claims court and help with government programs; plus discounted fee schedule, contingency fees, and hourly rates.

Free Debt Settlement (Negotiation) Consultation

Debt Settlement is also referred to as debt negotiation. Using a third party agency to negotiate down the amount you owe. By using a professional attorney you will save more money and you will be professionally represented. Guaranteed confidentiality.

Free Debt Consolidation Consultation

Debt Consolidation is a loan. The loan proceeds are used to pay your creditors and you repay the loan to a debt consolidation agency. This option works best if you qualify for a loan high enough to cover your debts and those debts have a high interest rates.

Free Tax Advice

Now members can get all of the answers to their most pressing tax questions easily, professionally, and never a charge. Tax Mama offers advice for FREE with a "mothers touch". It gives you the opportunity to make unlimited email questions and get prompt accurate answers about new tax laws, forms, deductions, dependents, IRS, capital gains taxes for all of your tax concerns. Never a charge for a consultation and confidentiality is guaranteed.

Establish a Trade Line that Reports to 2 of the Credit Bureaus Guaranteed

After approval you will be able to purchase thousands of items online at discounted prices! Home Furniture, Computers, Flat Screen TV's, Tanning Beds, Jewelry, Customized Wheels and Rims are just some the many items available. When you make your payments they will be reported to 2 of the credit bureaus. If you need to establish a new line of credit this benefit is for you. On time payments can increase your credit scores. As a member of our association the down payment fees are waived on all of your purchases.

Second Chance Bank Account

If you are unable to open a bank account due to poor credit or a derogatory listing in ChexSystems we can help. Your affiliated attorney will represent you against ChexSystems. We also can direct you to a bank or credit union in your area that does not use ChexSystems verification. Additionally, USCCRA members have access to an internet bank that will open a bank account for our members. Funds are FDIC insured up to $250,000. Debit card with a Master Card™ logo is included with the account.

Visa Card™ Logo Debit Card with Guaranteed Approval

We currently have Secured Visa and MasterCard™ logo’d credit cards. One Secured Visa Card has a limit of $200-$1500 with a $79 One Time Application Fee, 0% interest for 6 months then adjusts to 7.99+Prime. The best part is they are reporting to all three bureaus.

Another Secured Card we are offering as part of your membership has a range of $200- $5000 secured credit line, you choose the amount you want. The annual fee is only $59 and at this time report to 2 of the three Credit Bureaus. Interest Rate is 9.99%. This is NOT a teaser rate, this is your rate!!!!

FREE Credit Card Search Service

Conduct an online data base search of all of the banks in the US that offer sub-prime secured, unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of two new credit lines.

IRS Defense

We have entered into an alliance with an organization whose principles have over 17 years experience working to represent you against an IRS Tax Lien. This firm provides a variety of services to meet the needs of each taxpayer. USCCRA, LLC Members receive FREE confidential telephone consultation. Let us help you end your IRS tax nightmares.

Free Bankruptcy Consultation

Bankruptcy is usually the very last option someone chooses. Bankruptcy laws have changed and are more restrictive than in the past. If you make too much money you may be forced to file a Chapter 13 reorganization instead of a Chapter 7. Get this FREE advice so you can make the right choice for your financial future.

Credit Reference Service

USCCRA provides a written credit reference at anytime for current valid members.

Guaranteed a Computer

USCCRA members are pre-approved for financing of a computer.

Mortgage Reduction

Members save thousands of dollars and cut years off their mortgage by employing the strategies of the endorsed mortgage reduction plan.

Information and Education

USCCRA offers its members a number of free and reduced cost materials covering a variety of subjects. Including 2 online courses - a personal budgeting course, and "get out of debt" course.