Month: August 2014

Do You Need Qualified Clients to Close More Business?

If you’re in a profession or industry such as real estate, mortgage, auto, banking, solar or other situation where you need qualified clients with a good or specific credit score for financing, this article can help you close more business and earn more money.

qualified clients

What Do You Do With Unqualified Clients?

You talk to people on a regular basis that do not have the credit score necessary to qualify to be your client. What do you do with them? We have found that in many cases, professionals in the industries listed above would rather just move on to find someone that can qualify instead of trying to help someone that can’t. If it only took you 10 additional minutes or less to help these people why not do both? In other words, take 10 more minutes to assist your unqualified client to see if they can become qualified in the future, and then move on to find someone that qualifies now.

How do you do that? How can you help someone that can’t qualify due to a low credit score become qualified? By developing a relationship with a trusted credit repair professional that has a stellar track record of helping people raise their scores. All you have to do is say to your unqualified client that you’re getting ready to lose, “I know someone that can potentially help you. Would you like me to give them your information and have them contact you?” That’s it. It’s actually less than 10 minutes of your time.

Upsides and Downsides of Partnering with a Credit Repair Company

What’s the downside? Assuming it’s a reputable credit repair company and they have proven to previously have helped thousands of people, the only downside is that this client isn’t a candidate for credit repair, or the client goes somewhere else to buy your product or service once their score is higher because you didn’t stay in touch with them.

What’s the upside? The credit repair company you chose has a system to keep you informed of the progress of your clients score improvement allowing you to know when to call them back. You, of course, do so and you close a transaction with someone you otherwise would have lost. All for an investment of less than 10 minutes of your time.

We Help You Have More Qualified Clients

When business is good we sometimes lose sight of these type opportunities to build our pipeline of future business. But this is so easy and time efficient it truly is something everyone in a credit related industry should do.

If you are looking for a trusted company with a proven track record and an A+BBB rating visit ERA Credit Services . We work with professionals all over the U.S. helping their unqualified prospects become qualified clients, and helping them close more business.

Credit Repair in San Diego We Need Agents!

How many people out there today have less than perfect credit? You may say, “a lot, or many, or even you!” A recent study says the number is about 77 million Americans. Our company is looking for people to capitalize on the opportunity to help individuals with a San Diego credit repair business. And, to help those that need clients with a particular credit score in order to close business such as professionals in real estate, mortgage, auto, banking, solar companies and more.

An Opportunity to Work in Credit Repair

Are you completely satisfied with your current position or income? What would an additional $1,000 a month on a part-time basis do to help you and your family? Or, are you looking to perhaps make a career change and earn a significant income?

Credit repair is booming and we are looking for Agents to help us expand our credit repair business in San Diego and around the nation. We are a 10 year old established company that has helped over 170,000 people improve their credit score. We have an A+ rating with the BBB and thousands of very satisfied clients.

Partner With a Proven Credit Repair Service San Diego Credit Repair Business

We have a documented and proven credit repair service. Your job would be to educate consumers and professionals in credit related industries on this service and input their information into our online system. Our staff of experts does the credit repair work and you get paid!

If you have management experience, and/or are willing to learn, you can also build a team of Agents here in San Diego and around the country and get paid on their production.

If you want or need to increase your personal credit score we are here to help. But if you also are looking to make a change in your income or profession you may also want to consider joining our team.

If You Want to Know More About a San Diego Credit Repair Business We’d Love To Hear From You

Either way give us a call at 619-492-3040. We’ll provide you with detailed information. If you are the right individual we will set you up with an interview with our Vice President, Dale Guiducci.

www.eracreditservices.com

Consumer Debt is Still a Big Problem

Even though most recent reports signal a recovery of the U.S. economy from the worst financial crisis in close to 100 years, delinquent consumer debt is still a major drain of individuals and the economy as a whole. Reports indicate that there is a bigger problem in this area than experts previously thought. And, many consumers don’t even realize they owe this delinquent debt.

A report by the Urban Institute from late July, 2014 revealed that about 77 million adults have delinquent debt on their credit report. This excludes mortgage debt and takes only into account unpaid medical bills, credit cards, utility bills and other forms of consumer debt.

consumer debt

Income Level and Consumer Debt

This report also found large differences in the amount of consumer debt owed based on income level. Areas with lower incomes, such as the South, had collection rates as high as 40%. They also found concentrations of past due debt in Texas and Louisiana amongst other regions.

What was also interesting about this report is that creditors don’t seem very active in seeking payment of this debt. Many consumers discover that they have unpaid bills only when they go to purchase or lease a car, rent an apartment, buy a home, or make some other type of purchase that requires a check of their credit report.

Our Advice to You

Based on these findings our advice is to get a copy of your credit report. You can obtain a free copy of your Experian, Equifax or Transunion credit report at www.annualcreditreport.com. If you do have unpaid debt you can either call the creditor and negotiate a payment, or you can call us. Through our industry best credit repair service we can potentially get it removed from your credit reports on all 3 bureaus.

ERA Credit Services
www.eracreditservices.com
619-492-3040
727-222-0120

Fix Your Credit Through the Credit Bureaus

All 3 major credit bureaus (Experian, Equifax & Transunion) give consumers the ability to fix your credit and dispute derogatory or negative trade lines through their websites. This is required by the federal government. However, because the credit bureaus give us the ability to do this doesn’t mean they are an advocate of the process or are working on our behalf to help us clean up our credit reports. Fix Your Credit

Here is why and its basic logic. The credit bureaus do not generate revenue or make a profit by having to address negative items on our credit reports even if they are erroneous or obsolete. This process is a huge expense for these companies. It’s simply a downside of their business. Therefore they are not going to make it easy to fix your credit.

Steps To Fix Your Credit

First, they are going to require that you prove your identity. If you cannot prove you are who you are they are not going to allow you to submit a dispute. There is actually a very valid reason for this, identity theft. The bureaus are not going to send updates on your credit report giving out personal financial information to someone that they are not sure is you. Therefore, be prepared to answer random questions that will give the bureaus enough information to validate that you are who you say you are.

Then you will have to provide a valid reason for the dispute. What is valid to you is not necessarily valid to them. For instance, because you co-signed for a loan or credit card for someone and they didn’t pay is not a valid reason to have the item removed from your credit report, nor is being deployed on active duty in the military, or going through a divorce. There are valid reasons for disputing an item such as, the account wasn’t yours. But the credit bureaus are not going to publish this information. This is further evidence that they want to make it as difficult as possible for consumers to fix your credit.

If you are successful in submitting a dispute through the credit bureau website or writing a letter, and you receive an update from the bureau verifying the accuracy of the account on your report and thus stating that the information will remain unchanged, don’t give up there. This is the biggest mistake consumers make when trying to dispute items on their own. Dispute it again. Make the credit bureaus contact your creditor and have that creditor respond again. Do it several times. In some cases when the creditor sees that you are not giving up they will simply not respond to the bureau(s). When this occurs the item must be deleted from your report.

A Professional Service Can Save Lots of Time and Frustration

As you can tell this is a lot of work and most of the time leads to failure and frustration. Many consumers make the decision to pay for a professional company with a good track record to go through all of this for them. Companies that have been in business for several years know exactly how to navigate through this process, the proper dispute reasons and codes, the acceptable proof of identification needed, and will not give up.

If you decide that your time is worth far more than trying to fix your credit on your own give us call. We have been in business since 2004, have helped over 250,000 people, work in all 50 states and have an A+ BBB rating. We will work on all 3 bureau reports, dispute as many items as you have, all for a one time activation fee of just $188 and $89/month. We also give you online access to view your items and see the progress we are making on your behalf.