I was looking for a loan to catch up on some bills. United Financial Education & Services was offering $a 5 year loan of $4500, with a pay back of $5700 at $95/mo. Before the loan was approved a man named Neil said I would have to give them $494 to give them 3 to 6 weeks to repair some marks on my credit report. This took place on February 7, 2011, some nine weeks ago and nothing has been done. I have made several phone call, left messages and e-mails since week 7 with no response what so ever. Each time I left a message they said someone would get back to me within 24-48 hr. I just think it,s terrible that these people are allowed to pray on people that are already in desperate situations.