Is -FES-Financial Education Services A Scam?

Do you think if Financial Education Services -FES-is a  scam?

Let’s find out.

Hi everyone, my name is Omar, am here again to share my Point of view of another product I just came across, it is called: FES (Financial Education Education Services) it’s a credit repair tool and financial services tool.

So far most reviews I read about this product are great and awesome , meanwhile after I ‘ve been introduced to this program by a friend telling me I can get an extra paycheck easy once I sign up with them, then I quickly realized that this Financial Education education services in another Get rich quick product so I have to step back and do my researches before I sign up.

What is Financial Education Education Services?

Financial Education Education Services called FES is a Multi-Level Marketing program and a product that offers credit repair services.

Financial Education Education Services has 3 services to offer :

  • A chance to make money in the MLM industry opportunity.
  • Chance to fix your credit by offering you a comprehensive credit restoration program.
  • Opportunity to help others fix their credit reports.

FES offers other services as well, such as :

  • Credit will and Trust.
  • They have the power of attorneys with over 900 attorneys that are available to provide legal advises and help their customers and members to complete and understand their services.

Who are the owners?

Primal Naik & Mike Toloff are the co-founders of Financial Education education services.

Primal Naik is responsible for the strategic planning of the IT systems and databases behind the services offered through FES.


Operated out of : Farmington Hills ,Michigan.USA


$199 one time cost to join as a commission qualified member with the FES protection plan.

$89 a monthly fee.


4.9 out of 10.


  • Clients have 24/7 access and control to their account online.
  • Clients can track their account progress and view their credit reports from all three credit bureau x
  • Money back guarantees: Financial Education Education Services offers a 10 days money back guarantee for both the enrollment fee and the initial money membership fee.
  • Financial Education Education Services offers several programs options to choose from such as:

Credit restoration, Credit builder, credit report system and identify theft protection with what they call: life lock.

What I don’t like about Financial Education education services:

  • Financial Education Education Services charge a low price per month but the clients are required to pay upfront cost for credit repair services.
  • The firm has only credited -trained employees unlike other firms in the credit industry.
  • Financial Education Education Services has a lack of websites of information regarding consumer credit success rates. The clients have to contact directly the companies if they need the exact prices and details of the products which their website has none of it at all.
  • As far as prices concerned, I guess you can get access to the life lock website to have almost the same products for only :$9.99 a month or life lock ultimate Plus for only :$29.99.

My final takeaway:

Is Financial Education Education Services a scam ?

My answer is: NO

FES is a legitimate Compagnie that helps to restore their clients’ credits and improve their financial goals as well.

Her what an FES client have to say about the system:

Can you make money using Financial Education Education Services?

Obviously, this is the part that, you and me as affiliate marketers, are interested in.

Well, lets me explain:

The Financial Education Education Services is a product of Multi-Level Marketing ( MLM).

The difference between being an MLM agent or an affiliate marketing agent is :

with MLM you need to:

  • Recruit others.
  • Sell from just on Compagnie and one product.
  • Pay to promote products.

Now with Affiliate Marketing:

  • You promote whatever product you think is legitimate and helpful for your readers.
  • You share your honest review on any product or program out there.
  • You have absolute freedom to choose any topic you like to write about.
  • You don’t pay to promote any products.

I personally prefer to create my own online business and promote whatever product I believe I can make money out of it and work on the time and location I want to, that is the best of being an affiliate marketing.to learn more how to be an affiliate marketing just click here.

Please, I would like to hear from you and see if you did find what you are looking for here on my review on Financial Education Education Services program.

Thank you for stopping by.

Are you looking for a legitimate way to start an online business, if yes please click here?









  1. Hi Omarkk,
    Thanks for the interesting review. With all the hype around Financial Education Services, I found myself wondering: how do they actually repair your credit? What is this process? I feel I’d be more trusting of the product and service if they provided a bit more education as to what would be involved, but I felt like that was lacking.
    MLMs are usually appealingly sold (after all, a huge part of MLM work is selling), but I agree with you that affiliate marketing is a better way to build a long-term business that you can own 100%.

    • Hello Mia,
      Well the financial education services helps their customers by providing them with a lot of products to choose from , actually they charge you to use them ,to set up a a financial debt free life .
      Now as far as how they help you to repair your credit score.
      What they do is very simple they , basically ,help their customers go through what they call :Ultra score ,credit builder product,to delete all your previous and unpaid bills such as :
      Your medical bills,old credit cards,phone bills and car loans.
      They try to remove them from the three credit bureaus and they show you how to start building your credit again by having you apply for their credit cards or you open your own account.But remember Mia, you have to be a member with them and pay $89 a month.
      Personally, here are some tips for anyone who is looking to build and repair his credit score Mia:
      Apply for a Secure credit card through your bank and try to pay whatever you spend up to 30% on monthly basis.ok
      Pay your student loan.
      Obtain an installment loan.
      Those tips should help without a month fee.
      I hope you found what are you looking for.

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