Year: 2015

Paying Monthly for Credit Repair?

Paying Monthly for Credit Repair?

If you are paying monthly, or are considering paying monthly for credit repair, this is great information for you. Credit repair or credit restoration, as we like to call it, is the process of removing obsolete, erroneous, and other items that the creditor does not verify as listed accurately on a credit report, from that credit report. The result of going through this process in most cases is an increase in a credit score, sometimes a significant increase.

You, as a consumer can go through this process yourself. That is how the law is set up. However, it is not as simple to Paying Monthly for Credit Repairdo as the credit reporting agencies (Experian, Equifax, and Transunion) make it seem. First, you’ll need to have a copy of your credit reports. You can receive a free credit report from all three credit bureaus at www.annualcreditreport.com

Ultimately, if you decide that you do not have the knowledge, expertise and time to go through this process on your own you can enlist the services of a company to do it for you. Presumably a company that focuses on providing credit repair for consumers has a much better chance of success with the process in addition to saving you time.

How companies charge for their credit repair services and why.

The majority of companies in this industry charge monthly fees to provide the service. The intent by these companies is to make it appear more affordable. However, in many cases it can be more costly.

Most credit repair companies that you pay monthly for credit repair will not dispute all of your derogatory items immediately.

They will only dispute a small percentage of them initially. The process of contacting the credit reporting agencies, then those agencies contacting the creditors reporting those derogatory items, and getting a response back takes about 45 days. However, in most cases you will not be made aware of this time frame nor will you have access to information about how many items are being addressed, or when this first process has ended. It’s quite possible that the credit repair company may choose to take much longer to go through this first phase of the process.

The credit repair company hopes to provide some level of success so you will continue to pay the monthly fee. But if they don’t have any success initially how will you know? Then the credit repair company will address the items that were not removed initially, and address more remaining items, but not all. By the time they address the next set of items you could be going into your 4th month of service. This process is repeated over and over again until all items are eventually addressed.

Credit repair companies charge a wide array of monthly fees ranging from typically $60 per month to over $100 per month. These companies also typically charge a set up fee. Usually the higher the set up fee the lower the monthly fee, but not always.

Contracting a company to provide you with credit repair in this manner can cost well over $1,000 and take a very long time, a year or more. But there is an alternative!

Our company addresses all items immediately. Our goal is to remove as many items as possible and increase your score as quickly as we can.

The reason we do business this way is because, in addition to working directly with consumers, we also have relationships with companies in industries that need credit worthy clients such as real estate, mortgage, banking, automobile dealers, solar companies, and more. In order to help them get people qualified to purchase through these companies and their agents we have to perform quickly. We have to show these companies that we can get a client of theirs in a position to buy from them as soon as possible.

We also report everything we’re doing to our customers though an online portal that we set up usually within 24 hours of the customer starting with us. You’ll see every derogatory item you have with all 3 credit bureaus and can follow the progress including dates of when these items are addressed. We also send you the correspondence that goes to the credit agencies. You are informed in every step of the process.

Paying Monthly for Credit Repair – Our Program

Our monthly fee program is $89.00 per month after a one time activation fee of $99.00. Your first payment to us is $188.00. However, with our monthly program we also offer online credit monitoring so you can see the change in your credit score and credit report 24/7. We also provide identity theft protection through LifeLock and additional services as well. And remember, we dispute all your items immediately. All for $89.00 a month.

Give us a call. We’ll discuss your specific situation and walk you through how it all works free of charge. You can choose which payment option is best for you. Then you can monitor everything we’re doing for you 24/7.

We have offices in San Diego, CA and Clearwater, FL. However, we work with clients from all 50 states.

Give us a call today! Or, fill out the contact form on our website and we’ll call you.

http://eracreditservices.com/the-ultimate-credit-package/

www.creditscoresandiego.com

www.clearwatercreditrepair.com

www.creditrepairsandiego.com

Direct Sales Business Opportunity

If you have experience in building teams, have had success in the network marketing, multilevel marketing, or direct sales industry you are going to want to know about the direct sales business opportunity with Financial Education Services (FES).

Direct Sales Business Opportunity

Financial Education Services is in the financial services industry. 43 million Americans have what is considered a poor credit score, and the majority of adults do not have their basic financial affairs in order. We offer several vital services to consumers to protect their identity, credit, family, finances and future with our core product being credit restoration.

Let us introduce you to a different type of marketing we call “Hybrid Marketing”.

We combine the components of a lucrative direct sales opportunity with the structure and services of corporate America. Because of the nature of our business, our services, and the size of the market for our services there are more options for gaining customers. This creates more opportunity for immediate as well as residual income.

Typically in the direct sales industry a significant majority of the customers using the company’s products or services are the company’s enrolled representatives. Therefore, new customers also have to be sold into the business opportunity at some level. Of course, the effort to gain customers in this manner is worth it for two reasons. One, the new rep using the product can lead to other reps that will use the product. The other is the residual income produced from the monthly consumption of the product or service.

Our services, such as credit restoration, are superior to the competition yet have a lower price point. Our Agents can position themselves against anyone in the market in their area providing a similar service, including traditional corporate businesses, and be in a position to win that business every time.

How our direct sales business opportunity works

The majority of our sales are to customers that are simply consumers and have no involvement in the business. Put simply, our Agents do not have to recruit a new Agent to gain a new customer. This opens up opportunities to build sales revenue and income. Of course, building a large team of Agents in addition to selling to consumers adds to sales revenue, and to monthly and residual income opportunities.

Our Agents can develop relationships with professionals in multiple industries who need credit worthy clients such as real estate, mortgage, banking, automobile and others. These professionals are happy to refer credit challenged clients to our Agents because our service can help that client become qualified to do business with the professional who referred the client. A good example is that of a real estate agent that has a client with a credit score that is preventing them from buying a home. The real estate agent has a huge incentive to refer that prospect because they can potentially gain a commission worth thousands of dollars. The built in incentive to refer business to our Agents creates a situation where an Agent can make a significant income without recruiting if they so desire. Think of the people that really like selling but are not very strong recruiters.

However, this ‘business to business’ relationship opens up opportunities for recruiting new Agents as well.

In many cases the real estate agent or mortgage professional becomes an Agent with our company to earn the income associated with the sale of our service in addition to helping their clients. Many of our top producers began their career with our company in this manner.

Have you ever spoken to someone about your direct sales business opportunity that wanted and/or needed to make a strong income right away and was discouraged about the low amount they could make on an individual sale? With this opportunity, an Agent can earn up to $150.00 per sale on our core service, credit restoration. If they also combine that with bringing on board new Agents they can build that up to $380.00 per sale in 3 months or less. That eliminates the objection of not being able to earn income right away. Many of our Agents start part time but come on board full time for this reason. Others start full time right away.

We also have a very strong residual income component to our compensation plan in this direct sales business opportunity. And, because of the opportunity to sell to consumers as well as recruit a team of Agents, it can build quickly. We have the transactional type of sale described above but we also have the opportunity to sell that same service, credit restoration, packaged together with other credit building, monitoring and protection services for $89/month. This creates monthly residual income.

In a conservative theoretical scenario, if an Agent got one sale a day, 5 days a week, of the $89/month program through referrals from real estate, mortgage, banking, automobile professionals, or warm contacts they could be earning about $3,000/month residual income at the end of a year even factoring in attrition of customers. This is without recruiting one single Agent.

Now factor in recruiting of Agents. Theoretically, let’s say that an Agent recruited one Agent per month that did the same thing as described above. That Agent would earn close to $50,000 that first year and build up a residual income of over $7,500/month going into the second year.

This does not account for commissions from other types of sales, bonuses, overrides or any other compensation. It’s only from the direct sales of the services.

Everything described above creates a lucrative opportunity for the individual that simply wants to sell services, and for those that want to build and manage a large team of Agents. However, it’s our training curriculum is the key to driving sales and building a productive team of Agents. We offer video, conference call and webinar training for our Agents. We also have live regional seminar training and national advanced trainings to teach Agents the mind set and skill set needed to be a successful business builder.

Financial Education Services (FES) has been in business since 2004. We have maintained a consistent 30% annual sales growth and an A+ rating with the Better Business Bureau. However, even though FES has been in business for 12 years, if you are looking for a ground floor opportunity pay close attention. FES has only been operating with the existing direct sales model for the last few years. We have less than 7,500 Agents nationwide. If you know how to build and manage sales teams the opportunity with FES is outstanding.

If you’re a direct sales, network marketing, or multi-level marketing professional and are experienced at building teams think of what you could do with this direct sales business opportunity.

There’s a lot more to learn about our company and we invite you to do so.

Visit http://eracreditservices.com/credit-repair-business-opportunity/

Then give us a call at 272-222-0120 or email us: info@eracreditservices.com

Outside Sales Opportunity

Looking for an Outside Sales Opportunity?

Because of the nature of our business and the large market of consumers that need our services there are many ways to generate leads and business. However, one of the best ways to do so is to work with professionals in other fields that require credit worthy clients. This provides a lucrative outside sales opportunity.

Outside Sales Opportunity

Real estate agents and brokers, mortgage brokers and loan officers, bankers, and automobile salespeople and dealerships need clients that have a certain credit score to finance what they’re selling. Often, in some cases up to 50% of time, these professionals start working with a prospect that cannot qualify for that loan. That means a significant amount of time, energy and money they have spent does not result in a closed transaction.

That’s where you come in. You become a resource for these professionals. They refer their credit challenged prospects to you. You educate and enroll their prospect into our credit restoration program. Our staff of credit consultants works to build the clients credit score.

What if you can help a real estate agent close even just 2 or 3 more sales in a year? That’s a significant increase in their income for just referring you some clients.

We also partner with bankruptcy attorneys, debt settlement and loan modification companies, insurance and tax professionals. The opportunities to gain referral business abound.

We have a proven methodology that you will learn through our training and mentoring program that will teach you exactly where to find these professionals, what to share with them about our service, and how to develop this business. Your referral source and you will have online access to the client’s progress so when they have reached the credit level required your referral source can begin the process of selling them that home, car, etc.

You can earn income from day one and you can earn monthly residual income as well.

In addition to income you earn during the month from new sales, in a very conservative scenario you can have over $4,000 a month coming in over and over again for work that you’ve already done. And, you can also utilize other proven ways to generate business as well.

We’re excited to show you what we have to offer. If you’re the right person we’d love to speak with you.

Visit http://eracreditservices.com/credit-repair-business-opportunity/

Then give us a call at 727-222-0120 or email us at info@eracreditservices.com

Work From Home Opportunity

More and more people today desire, and sometimes need, to find a work from home opportunity.

Stay at home parents and others are simply looking for supplemental income or a full time career with a work from home opportunity. We have over 13,000 Independent Agents working with us either part-time or full time from home.

work from home opportunity

 

There is no doubt about the number of Americans that are in need of financial services to protect their identity, credit, family, finances, lifestyle and future.

The key, of course, is having an infrastructure and business model that allows us to market to these people, sell them our services, and provide support to them after the sale. This is exactly what we provide.

You will understand how to market to the millions of Americans in all 50 states. There are no restrictions or territory boundaries. Technology and social media allow us to access these people anywhere they are. Our duplicatable marketing campaigns give you the ability to drive traffic (emails, calls, texts, and messages) back to you.

Your job is to learn how to convert them into customers. Our training program and one on one mentoring help you learn exactly how to do it. Does it require sales skills and comfort level to speak to people on the phone? Yes. Do you need creativity to attract people to reach back out to you? Yes. Does it require consistent dedicated hours every week? Yes. Does it require an entrepreneurial mind set? Yes.

The rest is in place. A website, online marketing materials, sales funnels with landing and thank you pages, email drip campaigns, example social media posts, videos about our services, and live customer support to take over after the sale, is all in place.

And, here’s the best part. With this work from home opportunity you can earn income from day one.

Well, maybe here’s something even better. You can earn monthly residual income as well. In addition to income you earn during the month from new sales, in a very conservative scenario you can have over $2,000 a month coming in for work that you’ve already done. And, just keep building upon that.

We’re excited to show you what we have to offer. If you’re the right person we’d love to speak with you.

Visit http://eracreditservices.com/credit-repair-business-opportunity/

Then give us a call at 727-222-0120 or email us at info@eracreditservices.com

Financial Peace of Mind – A 10 Point Plan

We get so caught up in the process of earning income to pay our bills, that we don’t take the time to protect the very valuable assets that what we have and the people in our lives such as our identity, credit, children, spouse, and plans for retirement in our to have financial peace of mind.

It may take a life changing event such as marriage, divorce, or birth of a child to assess what type of protections we have in place for our future. This is a NO BS 10 Point Plan to protect what you have and plan for the future.

Financial Peace of Mind

Here is a 10 point plan to gain overall financial health and financial peace of mind

1. Know your Credit Score
Today our credit score is like a vital sign of our overall financial health. A low credit score can impact paying higher interest rates & insurance premiums. You can be denied the ability to purchase a home, buy a car, rent an apartment or even be denied a job. And reports show that 4 in 5 credit reports have errors on them causing a lower credit score. Credit Reporting Agencies pay millions of dollars each year in fines for not accurately verifying information and therefore report erroneous items to your credit file. Get a free copy of one or all 3 of your credit reports by visiting www.annualcreditreport.com (Experian, Equifax and Transunion).

2. Get your credit score to 750 or above so you can save the most money and have the most control over your financial future
Having a credit score lower than 750 can cost you over $200,000 and upwards of $1 million over the course of your lifetime! If you do not have a 750 score, the good news is that you can restore your credit score. You can potentially remove obsolete, erroneous, and unverifiable items from your credit report through the credit restoration process. There are solutions, education & systems on how to maximize your credit profile and boost your score.

3. Establish online credit related tools that enable you to monitor your credit reports and credit score, learn positive credit habits, and remove derogatory items from your credit reports
There are several online tools available today to help you in these areas. But it’s best to find a suite of tools available in one place to help in all these areas. Many online tools don’t give you a clear picture or work on a real time basis and therefore alert you when it’s too late. Having the right tool is key.

4. Have all of the following in place: Last Will, Living Trust, Health Care and Financial Power of Attorney
Having these vital documents in place can protect your family and save them the excessive cost of Probate. A Will alone without a Living Trust does not avoid Probate. A Will can be contested causing a financial & emotional strain on your family. Having all 4 documents in place allows peace of mind that your wishes are followed. It will also relay your medical and financial wishes should you not be able to do so yourself.

5. Have all of your personal and financial documents and information organized in a place that the people you designate could easily find if something were to happen to you
$58 billion per year goes unclaimed in life insurance, pensions, stocks, bank accounts and other assets because loved ones simply don’t know they exist or where to find them.

6. Have Identity Theft Protection
Every 3 seconds an identity is stolen. The IRS has established a division to deal with nothing but identity theft. The FTC says 10 million Americans will have their identity stolen. It’s not a matter of if, it’s a matter of when you will have your personal and financial information compromised.

7. Have a budgeting and debt payoff tool, game plan, and time frame of when to be debt free
Living our lives in debt is not something we have to do. The fact is that we can use the same amount of money we are paying out in debts right now and get ourselves out of debt. We can know that exact date we will be out of debt, and do it in nearly half the time. There are online tools available to help you with accomplish this.

8. Have $100,000 minimum in life insurance
$100,000 doesn’t go as far as it used to but it still will pay for final expenses, any outstanding miscellaneous debts such as credit cards, and not put any financial burden onto our loved ones.

9. Have a second income stream
In today’s economy one of the riskier things we can do is depend on one income whether it be a job or business. Options are critical to have if something unforeseen were to happen with our primary source of income. Reports show that if the average American were to lose their job, it would result in financial turmoil in a matter of weeks. The average debt per household is over $225,000 with many having less than $500 in savings.

10. Educate your children on matters of personal finance
Our school systems have never taught students how to be responsible with their finances as adults which is why many have learned the hard way. Schools today are no different. It is up to us, as parents, and older family members to educate our children how to take care of their finances.

We hope you found this information helpful.
If you would like to download a copy of this guide click below.

10 Point Plan Financial Peace of Mind

To learn about an affordable way to get all the education and services listed above to protect yourself and your family all in one place so you can have financial peace of mind,
watch the video below.

To protect yourself and your family with the Protection Plan Membership for a one time activation fee of just $99 then only $89/month click the following link to enroll

Enroll Now

If you would like to learn about a way to get all the education and services listed above to protect yourself and your family all in one place FOR FREE contact us.

Dale & Shirley Guiducci
(727) 222-0120
info@eracreditservices.com
www.eracreditservices.com

Work from Home in Financial Services

Work From Home in Financial Services

There’s a growing need for people who want to work from home in financial services. Since the economic collapse in 2008 several factors have created new emerging trends in the financial services industry. Baby boomers are turning into seniors, and Gen Y is changing from care free spenders to careful managers of their finances. Many in their 40’s and 50’s are finding it difficult to find and keep employment that pays them what they need or are accustomed to. And, there are a shocking number of individuals that are still trying to recover from the collapse during the last decade.

Work from home in Financial Services

There is also the rapid rise in identity theft, the fact that 43 million Americans have a poor credit score, over half of Americans have no retirement program, and the average debt to savings ratio is 450:1.

Because of these factors there is an overwhelming demand by Middle America for affordable services that will help them protect their identity, credit, family, finances and future.

As a result many Main St. versus Wall St. companies are now offering services to consumers. These companies are putting affordable services into the hands of the average consumer while Wall St. firms continue to vie for the wealthier clients. All of this creates opportunity.

One such company, Financial Education Services (FES), has taken it one step further.

Because of the demand by individuals to find lucrative career opportunities as a small business owner, FES has combined the advantages of having a corporate infrastructure with an entrepreneurial opportunity for individuals who want to start their own business and work from home in financial services.

FES and its growing team of Independent Agents across the country offer services that address the needs of the majority of Americans. Because of the growth of FES over the last 11 years they have been able to take several of their services and bundle them into a Protection Plan for an affordable monthly payment. Their Agents can sell this Protection Plan and also sell some of these services individually.

One of the features of working with FES as an Independent Agents is the ability to work with professionals in credit related industries such as real estate, mortgage and banking to assist consumers and help them qualify for a mortgage, line of credit, and other credit related offerings. The relationship between a real estate agent, and FES agent and a consumer trying to purchase a home but having a low credit score creates an opportunity for all involved.

FES Agents can work on a part time basis while they maintain their current employment. Some in real estate, mortgage and other credit related industries find that offering FES services directly to their clients increases their ability to close more transactions. Others work with FES as a full time career and earn significantly more than they would working as an employee.

FES has an extensive training program consisting of online and conference call sessions, as well as seminar trainings conducted on a regional and national level.

For more information about an opportunity with Financial Education Services (FES) contact Dale & Shirley Guiducci. Dale & Shirley are Vice Presidents with FES and are responsible for Business Development and national new agent expansion.

Dale & Shirley Guiducci
(727) 222 -0120
info@eracreditservices.com

Finding Success After 50

Finding Success After 50
It’s Possible with the Right Vehicle

It may be that most people that haven’t achieved the career goals they set out for themselves by the time they’re 50, especially those of us that consider ourselves entrepreneurs, decide that it may be too late. But just as I found out, there are opportunities for finding success after 50.

Finding Success After 50

I guess I was one of those people. There was still a spark but I realized that a business would have to come along that had a success formula that I could follow. I had started a few businesses that just didn’t pan out. They weren’t total flops but they weren’t a rocket ship to success either. I spent some time helping my wife, Shirley build her accounting business. At least that business was paying our bills.

Then I fell into something completely unexpected. It was a fluke. I really wasn’t actively looking for something but I guess I was very open to something if it came along. And, something did.

How I was successful at finding success after 50

I was searching for a credit restoration company, or what a lot of people call credit repair. We had some accounting clients that needed that sort of help. I called many companies and really wasn’t excited about any of them. Then a few months later a guy that I knew from 20 years ago posted something on Facebook that had to do with credit restoration.

I called him up and he told me about what sounded like a pretty solid company. I offered to refer him some business but he suggested I check out the business myself. So, over the course of the next several weeks Shirley and I took a pretty hard look at it.

I eventually traveled to Las Vegas to go to a weekend seminar training the company was holding. And, that was the weekend that changed everything.

This company had much more than credit repair. It had a whole suite of financial services products that everyone needs and most don’t have. These services were affordable. They (should be The) compensation plan was lucrative. There was a residual income component, which is something Shirley and I were looking for anyway. There was also the opportunity to build a sales team all over the country if I chose. But the greatest asset this company had was training for me, and for that sales team when I build it.

I jumped in full time while Shirley ran the accounting business. And, as time went on it became apparent that this was a great fit for me. Shirley began to work with me as much as she could and she fell in love with the business also.

Now, 3 years later she maintains just a few of her old clients and is pretty much full time and works side by side with me building this business.

In those 3 years we have become one of top producers in Financial Education Services. We have won numerous awards including Outstanding Achievement, #1 in sales and #2 in recruiting in 2014. We have been in the company magazines several time and was featured in the issue that came out in September of 2015. Financial Education Services (FES) has been the best company I’ve ever worked with because it provides a sound corporate infrastructure but allows me to be what I love being, an entrepreneur.

We now have Agents in over 35 states but are most definitely continuing the search for quality entrepreneurial mined people. FES requires hard work and a dedication to getting trained as a professional. Not everyone will want to put into it what is required. But for those that do it’s a great vehicle to help someone achieve their goals no matter what their age.

If you’re a mature business person and can bring your skill set to the table along with being coachable to learn this powerful system, you have possibility of finding success after 50. For more information click the link below.

Financial Education Services Business Opportunity

Credit Restoration

The Pinellas Realtor® Organization & ERA Credit Services

A Perfect Fit

Clearwater, FL – September 22, 2015 – ERA Credit Services is pleased to announce that we have joined the Pinellas Realtor® Organization (PRO) as an Affiliate Member. PRO is one of Tampa Bay’s largest professional trade associations, representing the interests of over 6,000 real estate professionals in Pinellas County. PRO provides its Realtor® members with an array of real estate-related programs, products and services, including professional development, legislative advocacy, and business enhancers.

As a PRO Affiliate Member, ERA Credit Services will be offering our industry-leading credit repair, credit restoration service to PRO Realtor® member clients that have less than the credit score needed to qualify for a home mortgage. Our goal is to assist as many Pinellas County residents as possible to reach the goal of home ownership, and assist Realtors® in closing more business.

ERA Credit Services began in 2012 and offers credit restoration and a wide array of other financial services to help consumers protect their identity, credit, family, finances, lifestyle and future. ERA Credit Services is an Independent Agent for Financial Education Services and United Credit Educations Services.

To Contact ERA Credit Services

Phone (727) 222-0120
Email dale@eracreditservices.com

Do You Have Clients with a Low Credit Score?

Real Estate Agents, Real Estate Brokers, Mortgage Brokers, Loan Officers, Bankers

Do you have clients with a low credit score? Take just a minute and calculate how much income you have lost over the last few years when a prospective client didn’t have the necessary credit score to qualify to do business with you. That number can be staggering. But what can you do? You can turn lemons into lemonade!

clients with a low credit score

Here are 4 options if your prospects have low credit scores.

The first option for clients with a low credit score is to do nothing and move on to the next prospective client. Hopefully these people will either be able to increase their score on their own, or will come back to you when the derogatory items pulling their score down drop off their credit files with Experian, Equifax and Transunion. But think of it. How many times has that happened?

 

The second option is to try and help prospects with low credit scores yourself. But do you have the time and expertise to do so? Are you familiar enough with the Fair Credit Reporting Act to follow those guidelines to successfully get obsolete, erroneous or unverifiable items off their report? And, what kind of time will that take from your marketing to new credit worthy clients.

The third option for clients with a low credit score is to refer that client to us. We have been in this industry since 2004 and have successfully removed over 875,000 derogatory items from consumer credit reports including over 100,000 public records (bankruptcy, foreclosure, tax lien). After over 200,000 clients we have an A+ rating with the Better Business Bureau. And we have services beyond credit repair to help your prospects increase their score as quickly as possible. Simply put, we provide the best opportunity for any consumer to have derogatory items removed from their credit profile and increase their credit score. We also add you as a ‘Referral Source’ and give you access to monitor the progress of your clients deletions and credit status.

The fourth option is to work directly with us, sell our service yourself, earn the income yourself, and stay that much more connected with your client. Many real estate, mortgage and banking professionals have not only closed more of their primary business as a result of offering our credit restoration service to their clients but have earned a significant income from selling our services. Think of the other professionals in your industry that have credit challenged clients that you could contact.

Many people in your industry have turned this into an income that exceeds what they earn from real estate, mortgage or banking. Many have developed a team of other Independent Agents in their area and around the country and now earn a substantial income from the production of those Agents.

Mike Watsonformer top producing Keller Williams Agent in Eastlake, CA is now an Executive Sales Director with FES and now has over 100 Independent Agents around the United States.

Miranda Harrisreal estate broker in Columbia, SC has become one of the top producing Agents with our company and earned the title of Vice President. She is also a member of our Six Figure Club. Our average Vice President earns over $24,000 per month.

Derrick Smithformer owner of 2 ReMax brokerage offices in Maryland is now a Regional Vice President and is a Trainer with our company. He is also a member of our 6 Figure Club. Derrick became a Vice President with our company within a year.

Cynthia Davisformer branch manager for CitiBank in Las Vegas, Cynthia has become a Regional Sales Director and has left the 9 to 5 banking world to develop her own business with FES.

These are just a few of the stories that have been written within our company by people who first looked because they had clients with a low credit score. You don’t have to change careers and strive for the type of income these people earn. You can simply work with us on a part time basis to assist your clients with their credit score and close more real estate, mortgage and banking business.

You have to agree, we’re worth taking a look at. You can turn lemons into lemonade. Whether you simply want to refer folks to us if your prospects have low credit scores to increase your closed business, or you want to learn more about developing an income by selling our services and possibly developing a team of Agents contact us today!

Click Here if You Want To Learn More Now

Click Here to Email Us for More Information and Schedule a Time to Talk with Us

Or Call Us

East Coast Office in Clearwater, FL – (727) 222-0120

West Coast Office in El Cajon, CA – (619) 492-3040

Starting a Credit Repair Business- It’s Not That Easy

More and more people are interested in starting a credit repair business. And, there are many companies out there selling software, websites, training certificates and more to those that want to start a credit repair business. In their advertising these companies make it sound so easy to use their products and make a lot of money. But think about it. Maybe the reason these companies are selling other people their products and are not in the credit repair business themselves is that they realize starting a credit repair business isn’t that easy. In fact, most credit restoration businesses fail in the 1st year.

Starting a Credit Repair Business

It is true that about 43 million American consumers have a poor credit score. It’s also true that 4 in 5 credit reports have errors on them. And, with the criteria for lending having tightened dramatically, it would seem that people would be knocking down the door of anyone claiming to know how to solve their problem and increase their credit score. But it’s not the case.

Here are several reasons why the chances of starting a credit repair business and making it a success are not good at all unless you work with a company that provides all the infrastructure.

#1– People can live with poor credit their whole lives. Not everyone with a sub 600 credit score has the need or desire to increase their score. The only time they’ll feel the pain of a poor credit score is if and when they attempt to purchase or lease a car or get a loan for a mortgage. With regard to buying a car they’ll still be able to make that purchase albeit with a higher interest rate. The bottom line is that you have to work hard and be a savvy marketer to find clients. Then you have to be a very good salesperson to convince your prospect to do business with you especially if you’re just getting started because you have no track record.

#2There’s a federal law called CROA. This law prevents a company that is not a 501(C)3 non-profit, attorney or bank from collecting up-front fees for credit restoration services. Yes, you can charge a nominal set up fee. Most people look at this and discount it’s affect because they wrongly assess that the monthly fees they’ll charge clients will eventually make up for it. Here’s the problem. Most people will not continue to pay monthly fees unless they see results quickly. People are impatient and want an increase in their score right away. If they don’t see it they will stop paying the monthly expense. Therefore you’ll have a cash flow problem, not see the return on your investment of time, energy and money, and likely fold within your first year. This creates more difficulty in starting a credit repair business.

#3– The days of charging thousands for credit repair are over. Ten years ago, even five years ago companies charged thousands of dollars for credit repair. Some still do but the tide is turning. Many companies like ours charge a lot less than even $1,000. Therefore the big profit margins in the industry just don’t exist. And, if you look at what you would earn per hour working on a client’s account you may as well get a part time job at a retail store and not have the headaches.

#4– There’s not enough hours in the day to build a successful credit restoration business from scratch. People severely underestimate the time it takes to promote their business, sell to clients, follow up with clients, dispute items to the credit reporting agencies, and everything else that goes along with it. This factor alone leads to most people failing in the first year.

There is however a way to start a successful credit repair business.

Work with a company that does all the back end work of analyzing credit reports, drafting dispute letters, providing customer support, and adhering to state and federal regulations. Our company does that and provides a website, an online tracking system, and training. As an Independent Agent our job is to market and sell. This frees up the hours needed. However, that’s not enough. You still have to do more sales volume than one person can do to achieve a significant income.

How do you achieve more sales volume than you can do yourself? Develop a team of Independent Agents. The fact is that no matter the business model chosen there simply isn’t enough hours in the day to make a credit restoration business work on your own. You need help. By developing a team of Independent Agents who are, in turn, building their own Agency you can develop a significant income into the tens of thousands per month. You could never do that on your own.

If your goal is to do credit restoration on the side and make very little money then go buy software and have a go at it. But if you want a long term career where you can earn a significant income and eventually stop working because you have a substantial team of Agents working for you, then contact us. The support you’ll receive will go a long way to help you in starting a credit repair business.

Learn more about our Credit Repair Business Opportunity

(619) 492-3040

(727) 222-0120