Stuck in a financial rut? Sinking fast and need a hand to help pull you out? We can help you learn to swim, not just float! Call us NOW!! (636) 333 – 9200 Here at UCS Industries, we’re here to help you. Visit our website.


Credit Score. What’s that?

Credit scores are one measure that banks and other lenders use to determine a consumer’s credit-worthiness. The score often affects loan interest rates as well as the ability to secure a loan. In some cases, employers or landlords use credit scores to determine an applicant’s reliability.

  • The following five categories determine credit scores:
  • Payment history (35%)
  • The amount of money owed to creditors (30%)
  • Length of credit history (15%)
  • New credit (10%)
  • Types of credit used (10%)

Credit scores can range from 300 to 850, with a higher number indicating a better score. Consumers with high credit scores may be able to secure loans more easily and may be offered lower interest rates on those loans. People with low scores should consider credit repair.

To learn more about YOUR credit score, CALL US TODAY!!! (636)333-9200

Healthy Financial Life.


Society is becoming increasingly dependent on using credit to make purchases and decisions. These days, good credit is used for more than just getting a credit card or a loan. More and more businesses are making the case that you must have good credit before they extend products or services to you.

Many people have dreams of starting their own business. Most business startups require a sizable amount of cash that you might not have available. In that case, you’ll need to obtain a small business loan. Among other things, you need to have good credit to qualify for the business loan.

Your “creditworthiness” is defined by your three-digit credit score and is the key to your financial life. Good credit can be the make-or-break detail that determines whether you’ll get a mortgage, car, or student loan. On the other hand, bad credit will make it more difficult for you to get a credit card with a low interest rate and it will make it more expensive to borrow money for any purpose, says Liz Pulliam Weston, author of “Your Credit Score.”

Bad credit can suggest you’re a risky bet. While bad credit may only show the details of how you deal withdebt, some will extrapolate the characteristics from your financial life to other situations and assume that your bad credit implies that you may be just as irresponsible driving a car, taking care of an apartment or showing up for a job.

I have become a successful business man and entrepreneur by controlling my credit. I built my business credit to open my companies from the ground up. My specialty is to help people understand why it is imperative to have good financial health, but also to guide them to that path.