The FES payment is an automatic FTC refund for identified customers of a credit repair operation that used several business names. There is no new public claim form.
What Is the Current Status?
The Federal Trade Commission is sending 443,048 checks totaling more than $10.9 million to eligible people who paid Financial Education Services for credit repair services between May 2019 and May 2022. Recipients should cash their checks within 90 days of the date printed on the payment.This is an automatic distribution based on FTC case records. The agency has not opened a public application for people who were not selected.
What Was the FTC Case About?
The FTC sued the operation in 2022. It alleged that the companies charged upfront fees while promising to improve consumers’ credit, then recruited customers into a pyramid-style sales program with claims that agents could earn substantial income. The FTC said most participating agents lost money.Settlements reached in 2024 required the defendants to stop the challenged practices and provide assets for consumer redress. The current checks use money recovered through that enforcement action.
Which Company Names Are Covered?
The program is listed under Financial Education Services, but a recipient may recognize another name. The FTC identifies FES, United Wealth Education, United Wealth Services, United Credit Education Services, and Youth Financial Literacy Foundation among the names connected to the operation.The presence of one of those names on an old statement does not by itself guarantee a payment. Eligibility is controlled by the FTC’s records and redress process.
How to Verify the Check
Use the official FTC refund page below to confirm the program. A legitimate payment does not require a fee, gift card, wire transfer, or bank password. Keep the accompanying letter and a copy of the check until the deposit clears.Frequently Asked Questions
Who is receiving a Financial Education Services refund?
The FTC is sending checks to eligible people who paid the credit repair operation between May 2019 and May 2022.
What other names did Financial Education Services use?
The FTC identifies names including FES, United Wealth Education, United Wealth Services, United Credit Education Services, and Youth Financial Literacy Foundation.
Can I file a new FES refund claim?
No public claim form is open. The FTC selected recipients from its case records.
When does an FES refund check expire?
The FTC tells recipients to cash the check within 90 days, as indicated on the payment.
Sources
• FTC — Financial Education Services refund program• FTC — March 2026 refund announcement
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