PRESS RELEASE

Legislative Recovery Fee

In 2003 Congress enacted a new law aimed at prevention and help for victims of identity theft.

The Fair and Accurate Credit Transaction Act of 2003 (FACTA) added new sections to the federal Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681 et seq.), intended primarily to help consumers fight the growing crime of identity theft. Accuracy, privacy, limits on information sharing, and new consumer rights to disclosure are included in FACTA.

The new provision of this law went into effect June 1, 2005. The act allows consumers to request and obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies

To help defray the cost of developing and maintaining a system that permits consumers to obtain their free annual credit report the bureaus (Trans Union, Experian and Equifax) have imposed a surcharge on all credit reports issued.

We strive to provide the best possible customer service in the industry while offering lowest possible price to our customers. This surcharge however, jeopardizes our ability to provide exceptional customer service and it has become necessary to include a “legislative recovery fee” on your monthly billing beginning January 1, 2008.

For more information on this topic please visit the Federal Trade Commission’s website at www.ftc.gov/opa/2004/06/factaidt.shtm

As always, we appreciate your business and support and may count on the fact the Universal Credit Services will always provide the highest level of customer service for our clients.

As you know, Equifax, Experian and Trans Union have incorporated a mandatory Secondary Use Policy. This will raise the reissue price on certain files. This will be automatically charged to your account accordingly starting May 1 2007.

Click here to read more about Secondary Use

Thank you for your Interest in Universal Credit Services Inc.

Universal Credit Services Inc, is an authorized distributor of the 3 national credit bureaus. (Experian, Trans Union, and Equifax) We have been providing these services since our inception over a decade ago. You can access credit reports via our Trusecure approved web site or by using our free "800" dial in software. Credit Reports are maintained online through a state-of-the-art credit computer system which gives us the capability of processing credit reports within seconds.

Our mission is to provide the highest level of customer service, always strictly adhering to all applicable State and Federal requirements.

The UCS Advantage:

The only cost that you incur is the cost of each credit report.

We welcome the opportunity to provide you the best and most personalized credit service in the industry.

Please feel free to call or email us today.