United Medical Credit Partners with Genesis Financial Solutions for Enhanced Patient Lending Offerings

United Medical Credit, a leading patient financing provider and recently named one of Inc.’s fastest-growing companies, has announced a partnership with Genesis Financial Solutions to expand its growing suite of lending services. The partnership, effective today, includes an additional revolving credit solution for United Medical Credit’s network of medical care providers. The new financing option will initially be available to cosmetic and plastic surgeons, with more specialties to follow. “Our partnership with Genesis will take us one step further in our mission to provide a financing option to as many people as possible, including those who are currently being underserved by many prime lenders,” says Bronwyn Droog, Vice President of United Medical Credit. Genesis Credit, the nation’s top provider of customized consumer financing solutions for near-prime borrowers, develops innovative programs to give applicants access to second chance financing after being turned down by a prime lender. “We’re truly proud to be a part of the United Medical Credit platform. Our unique partnership will allow further expansion into the elective medical sector and offer second-chance financing to those patients who need it most,” says Mark Denman, President of Genesis Credit. United Medical Credit uses a unique lending waterfall process to maximize loan approvals for applicants, giving medical practices a way to offer financing to patients, whether they fall into prime, mid-prime, or sub-prime lending categories. Genesis Credit’s financing products will provide favorable options to borrowers seeking a line of credit to help them get the funds they need for their desired treatment. “Less than half of the financing applications that are submitted in the healthcare space are approved,” says Matthew Libman, President and Founder of United Medical Credit. “As we continue our rapid growth in 2021, Genesis Credit will help us to reach an even broader spectrum of consumers.” About United Medical Credit United Medical Credit’s mission is to make sure every one of their applicants receives the best customer service and secures the optimal financing terms for healthcare procedures. They understand the physical and emotional difficulties a healthcare procedure can bring and want to do their part to ensure that high upfront costs are not part of the equation. For more information, please visit https://www.unitedcredit.com/. About Genesis Financial Solutions Genesis Financial Solutions, Inc. is the leading provider of near-prime consumer financing through general purpose & private label credit card solutions. Their innovative card programs offer consumers turned down by a prime lender a second chance to access financing with simple terms, competitive rates, and excellent customer service. Genesis Financial Solutions also partners with leading retailers in each of the key industries they serve including furniture, home improvement, jewelry, eCommerce, and more. Additional information may be found at http://www.genesis-fs.com. Follow us on social: Linkedin-in Facebook-f Instagram Twitter

The United Credit Doctor of The Month for October 2021 is Dr. Christopher Hoffpauir, DDS

United Credit is pleased to announce we have chosen dentist Dr. Christopher Hoffpauir, DDS, of Alvin, Texas as our Doctor of the Month for October! Dr. Hoffpauir specializes in dental diseases and conditions from bad breath and gum disease to general oral health maintenance. A graduate of the American Academy of General Dentistry, he decided to bring his knowledge and skills back to his hometown as a dentist in Alvin, TX, where he opened his dental practice, Winning Smiles Family Dentistry. Dr. Hoffpauir’s office later expanded to a second location in Pearland, TX. Dr. Hoffpauir’s warm and friendly manner puts both established and new patients at ease, and his clinics’ low wait time policy for appointments has made him a local favorite for Texas dental care. Patient experience with Dr. Hoffpauir routinely gains a stellar overall rating, making him one of the top dentists in Alvin, TX, and the surrounding area. He has also parlayed his experience in dental practice management into a thriving parallel second career as an entrepreneur and advisor on the business of dentistry and the art of dental marketing. Let’s take a closer look at the busy life of Dr. Christopher Hoffpauir, DDS, and learn more about why he’s United Medical Credit’s Doctor of the Month! Meet Dr. Chris Hoffpauir, DDS! Dr. Hoffpauir grew up in Alvin, TX, and did his undergraduate study at the University of Houston – Clear Lake, graduating magna cum laude with a degree in molecular and cellular biology. He then continued his education at the University of Texas Dental Branch in Houston, where he won awards including the Houston Academy of General Dentistry Senior Student Award, graduating as a general dentist. Upon graduation, Dr. Hoffpauir went back to Alvin to launch his practice, with a philosophy of offering not only dental treatment but genuine caring for his patients as people, not just case files. While root canal and tooth extraction surgeries, dental implants, cavity filling, X-rays, and the inevitable dental lab work more than filled up his time, he also frequently found himself serving as a mentor for dentists who were just launching their own practices. It wasn’t long before he found himself covering topics from advertising and appointment setting policies to combating patient anxiety and depression over everything from fear of pain from dental procedures to COPD and its link to dental health to oral cancer diagnoses. He soon decided to go beyond one-on-one phone call mentoring and launched his own podcast, “Dear Doc,” where he addressed questions that he’d been asked on the air. He also launched the largest dentists-only community on Facebook to offer a forum in which dentists could share professional advice and discussion about topics relevant to dental practice management ranging from incorporating virtual and telehealth services to schedule conflicts and handling appointments that run over the expected time from a patient-centric perspective. Dr. Hoffpauir’s Life Outside the Dental Practice In his downtime, Dr. Hoffpauir enjoys spending quality family time with his wife and two children, managing their menagerie of livestock, and being a dad and husband. He has served as the president of the American Dental Association, 9th District. When he’s not running a family or his practice, he manages numerous websites and social media channels dedicated to his passion for dental practice management and the business aspects of providing excellence in dental care, as well as other entrepreneurial pursuits. These include: Dear Doc Dentalogic Dreammakers Industries The Business of Dentistry – the largest social media page for dentists only Doc Hoff Investments Riveted: The Extraordinary Lives of Ordinary Folks Where to Find Dr. Christopher Hoffpauir If you’re in the Houston area and looking for a great dentist, Dr. Hoffpauir’s offices are open and ready to accept new patients!   You can find Winning Smiles Dentistry at: 2101 HWY 35 Byp N. Ste. 106 Alvin, TX 77551 (281) 916-4686 Or you can visit the Pearland practice at: 5523 Broadway St. Pearland, TX 77581 (713) 502-2999 We’re Proud to Name Dr. Christopher Hoffpauir, DDS Our United Credit Doctor of the Month for October! While Doc Hoff keeps himself busy, he believes strongly in putting his family first, but his passion for dentistry and entrepreneurship runs a very close second. We at United Medical Credit are pleased to honor Doctor Christopher Hoffpauir, DDS as October’s Doctor of the Month. Dr. Hoffpauir is also a United Credit healthcare partner, making it even faster and easier for you to get the great dental care you and your family deserve.  Click here to start your free, no-obligation dental loan application with United Credit’s lender network—and tell Doc Hoff we sent you! Follow us on social: Linkedin-in Facebook-f Instagram Twitter

Credit Karma Credit Loan Blog Review | United Medical Credit

United Medical Credit is pleased to have recently been profiled by Credit Karma! Recently, UMC received a loan review from CreditKarma.com! We’re very happy about this because Credit Karma has become one of the best-known sites in the finance and credit world.   United Medical Credit has served patients just like you for years by connecting you with top lenders to obtain the personalized loan which best meets your needs.    Our lender network works to help you get the money you need for healthcare expenses and a way to improve your credit scores without needing to consult a mortgage lender or using your credit card. A Note About Credit Karma Credit Karma has become one of the best-known credit management sources in the industry and is best known for allowing you to get a “big picture” view of your actual credit history and monitoring your credit score through the major bureaus like Equifax and Transunion. Credit Karma review highlights include issuers of personal and business credit cards, lenders, banks, and brokerages like United Medical Credit to give an unbiased opinion. Some examples include Chase Sapphire Preferred, the Red Card from American Express, and more. Reviewers must follow strict criteria, and many people across the country find Credit Karma’s reviews to be indispensable tools for tracking your credit scores and deciding whether to proceed with a loan. About United Medical Credit UMC is not a direct lender, as the Credit Karma reviewer noted. UMC works on a brokerage model like the one many life and automobile insurance agents use. This means we allow you to shop around for the best deal with one easy application because we work with several of the major lenders in the medical loan industry. You fill out one application for between $1,000 and $35,000 and get competitive offers based on your needs and financial history, allowing you to choose the best credit option for your financial situation and needs while building credit.  You can use the money for just about any medical-related need. While we do not and cannot guarantee that everyone who applies will qualify for a specific loan amount, rate, or terms, our lenders have financed many people in the past who did not qualify for funding through other means. Will Working with UMC Affect My Credit Score? When you fill out an application with United Medical Credit to prequalify, we run what is known as a “soft inquiry,” also known as a “soft credit check” or “soft pull” on your credit file to get your overall FICO credit score. A soft inquiry does not impact credit scores!  Soft inquiries are called this because they are not linked to a specific loan application, but rather evaluate your overall credit scoring, such as when you or a potential employer goes to see your credit score. However, when a specific lender accesses your credit history in the interest of making you an offer, they will do what is known as a “hard inquiry,” also called a “hard pull” or “hard credit check” against your FICO scores. These check your credit in a far more detailed and comprehensive manner and can remain in your credit file for up to two years or more. Items hard credit checks look at may include, among other things:   Overall standing of any open accounts you have, including bank savings and checking account status Your payment history Collection activity Federal and private student loans Auto loan balance, if any Home and auto loan refinance Mortgage rates you’re currently paying Business loans or business credit cards taken out in your name Personal payment history Evidence of identity theft, such as sudden multiple requests by individual credit card companies for high-end travel credit cards and loans Negative information such as bad debt which leads to poor credit These items and more are put together in what are known collectively as a “Vantage score,” which is what most people mean when they talk about the results of credit scores and credit reports. The Vantage score is used for telling lenders whether a given applicant is a “good risk” or a “bad risk” and which interest rates and products they qualify for. Why Can’t UMC Tell Me What Loans I Qualify for Up Front? This is one of the most common questions we receive. Everyone’s financial history is a little different. Some people have excellent credit, a high “good debt” ratio, and plenty of personal capital. This is typically a good sign that they have the ability to pay their bills on time and make finance payments of well over the minimum balance. Others may be struggling to pay their car insurance and car loan or have to rely on financing methods such as balance transfer credit cards to make ends meet, which could indicate these people represent a higher risk to the lender. Because our third-party lender network each has different criteria, requirements, and data points for evaluating scores and credit debt risk within each individual product, you may qualify for a higher loan amount with a better interest rate with one lender than another.  UMC charges nothing to pre-apply and you are under no obligation to accept any offers you receive. Our strict privacy policy, 128-bit encryption and information security protocols ensure no third parties can see your personal financial information. Keep reading the FAQs below to learn more about how United Medical Credit can help you find the perfect loan for your healthcare needs–and how a Credit Karma review of your credit situation can help before you get started. Frequently Asked Questions About Applying With United Medical Credit Above what actual credit score can I qualify for the best overall personal loan with UMC? Part of the answer depends on which scale is used to check credit scores. FICO, which was invented by the Fair Isaac Corporation from which it takes its name, uses a scale from 300-850. In FICO terms, a credit score of 800+ is exceptional, while 740-799 is considered “very

What Are Dental Implants?

Dental implants have helped many individuals who have lost one or more permanent teeth. Although the procedure can be complex and expensive, implants can be a viable alternative to bridges and dentures for individuals who want a permanent solution. Bridges can be problematic by damaging nearby teeth, while some individuals find that dentures make them feel insecure, and may not allow them to eat or talk normally. Implants can improve self-confidence, but more importantly, implants can make eating easier, reduce the loss of bone in the jaw and maintain the integrity of the facial structure. Dental implants are one of the many items that we can offer Dental Financing for. History of Dental Implants Dental implants have a long history. Although the true beginning of implants cannot be definitively stated, evidence has been found as far back as the Maya civilization. The beginning of modern dental implants began in the 1950s, once it was understood that titanium had special properties. Bone easily regenerated and merged with titanium, making the metal a possible resource for the reconstruction of bone in various areas of the human body. The first patent for titanium dental implants was awarded in 1969, and since that time, titanium has been the predominant material used in dental implants. Current dental implants continue to use titanium, but techniques for placing implants have vastly improved. The use of imaging, and an understanding of the factors that make an individual a likely candidate for dental implants, have made the procedure highly successful. Any individual considering a dental implant should have their procedure performed in the USA. There are numerous dentists and oral surgeons in various regions that are well trained in this procedure. Improved techniques for implants in the USA have allowed patients to be more satisfied with their results, shorten healing time and create dental implants that can last a lifetime. Types of Dental Implants Three types of implants are available, and the best type for a patient is determined based on a variety of factors. The amount of bone loss in the jaw is a major influence on the type of implant that is available to the patient. Significant bone loss may require a bone graft or an implant with a larger frame to support a tooth. In some cases of bone loss, the patient may not be a good candidate for dental implants. The most recognized implants are the ones placed inside the jaw bone. These implants are called endosseous implants. A hole is drilled into the bone and titanium screws are placed there, which will support the new crown. The second type of dental implant, subperiosteal, is placed on top of the bone and under the gum tissue. Lastly, the third type of implant, transosteal, is one in which the titanium frame is positioned within the jaw from below. Procedure Individuals who are considering this procedure want to know, “Do dental implants hurt?” Dentists and oral surgeons who perform this type of reconstructive dentistry have various sedation methods available to eliminate pain during the procedure. Any post-operative pain or discomfort is well controlled using pain medication. The procedure itself can be complex and require multiple stages until completion. Once a plan is made for placing the implants, the process can begin. Usually, the implant is placed first, with a temporary crown. Once the bone has fused around the implant, the permanent crown can be placed. Some patients may have a tooth extracted and the implant inserted on the same day. The dentist will determine a method that has the best chance of success. Dental Implant Prices The cost of implants can vary widely. A single implant may start at $3,500 to $4,000, assuming the procedure is uncomplicated. More complex implants, bone grafts or the implantation of multiple teeth will dramatically increase costs. The cost of dental implants are difficult for most individuals to pay upfront, therefore financing for dental implants can be a solution. United Medical Credit is a pioneer in health care financing. Dental implant financing with bad credit can seem nearly impossible. Many obstacles can decrease an individual’s credit rating, but their credit should not prevent them from having necessary dental services. United Medical Credit offers several health care financing plans available. Their dental payment plans can make the cost of reconstructive dentistry more manageable for many patients. Follow us on social: Linkedin-in Facebook-f Instagram Twitter