U.S Credit Academy (USCA) is an online repository of information, links and resources designed to assist consumers in finding solutions for their credit and debt challenges.  It was developed by Timothy Phillips, a mortgage broker and newspaper columnist to assist in handling the multitude of calls he received as a result of his publications.  This site is constantly evolving to better suit its users' needs.  

Our goal is to provide site users a balance of helpful, complimentary tools and information and "fee for service" resources.  USCA gives promotional preference to services that it determines to be of most benefit to the site users, especially those services that are competitively priced (or free), those that make provisions to reimburse clients for service fees, and those that offer a service guarantee.

USCA may or may not be affiliated with third-parties to whom we may make reference in this site.  In fact, if site users know of other useful resources that we should consider adding to the site, we request that they Contact Us with that information.  Again, our goal is to provide our users with the very best resources available to help them manage or, ideally, to help them avoid difficult credit or debt situations.

Please note that all site users are bound by the USCA Terms & Usage Agreement and that USCA does not warrant the accuracy of any of the information posted in this site.  Further, USCA does not assume any liability or responsibility for the negligent actions of third-parties.  Our references to other companies do not constitute endorsement of those companies.  Site users should be aware that it is solely incumbent upon themselves to determine whether or not these, or any referenced companies or entities, are suitable to fulfill their needs.