Month: May 2016

Will and Living Trust Tampa Bay $499.00

If you are considering a will and living trust in Tampa, St. Petersburg, Clearwater area this is good news.

Will and Living Trust

There are typically two age groups that think about setting up a will and living trust along with a medical and financial power of attorney. Those that have children under the age of 18, and those people over 60. But the fact is that everyone should have a will and living trust if they care about their family.

The confusion caused by someone that passes not having their financial affairs in order can be devastating. Life insurance policies and funds from all sources can go unclaimed. Relationships between siblings can be ruined and more.

Typically the cost of a fairly simple will and living trust along with a medical and financial power of attorney is prohibitive for most people.

A living trust alone can range from $1,000 to $2,000 depending on the attorney. However, unless there are complications from business partnerships or assets in excess of $1 million, a will and living trust and POAs aren’t that expensive, can be done from the comfort of your home, and completed rather quickly.

We offer an opportunity for a individual to set up a will, living trust, and a medical and financial power of attorney from the comfort of their home. We provide assistance to walk someone through the process. If the individual is unable to do this themselves we can assist a family member in preparing the documents.

Taking care of setting up a will and living trust is vital for protecting children under the age of 18, and taking care of loved ones. Don’t delay. Having these documents in place brings peace of mind.

If you’d like to explore how you or a family member can set up a will, living trust, medical and financial power of attorney for $499.00 visit Will and Living Trust or call us at (727) 222-0120.

Does Credit Repair Work?

Many consumers want to know if credit repair really works.

Does Credit Repair Work?Does credit repair work? Yes, it does. Or, more correctly stated, credit repair can work depending on many factors regarding the specific account(s) on a consumer credit report. In fact, the process of credit repair is dictated by the Federal Trade Commission in a law called the Fair Credit Reporting Act. The premise of this law is that creditors must verify the accuracy of the information they’ve previously placed on a consumer credit report.

Because this is a federal law, credit repair works for consumers in all 50 states. Therefore a consumer seeking credit repair in Tampa has the same rights under federal law as a consumer seeking credit repair in San Diego.

To learn the answer to the question, “does credit repair work?”, it’s vital to understand how credit repair works.

When a creditor places information on a consumer credit report there’s a chance the information is incorrect or will become outdated and incorrect over time as the status of the account changes. If the creditor doesn’t fix or update the information there must be a mechanism for the consumer to challenge that information and have it corrected. One of the main purposes of the Fair Credit Reporting Act is to give the consumer a resource and process to follow to have the information corrected.

In this process the creditor is under obligation by federal law to validate the information they have previously placed on a consumer credit report. If the account listed is erroneous or inaccurate the creditor must correct it. If the account is obsolete (more than 7 years from the date of the last activity or 10 years in the case of a bankruptcy) the item must be removed by the credit reporting agencies (Experian, Equifax, Transunion).

Here’s the key to understanding that consumers can potentially have items reported within 7 years removed as well.

If the creditor cannot or does not verify the information previously reported on that account within a 30 day period, the federal law requires that the credit reporting agency remove that account from the consumer’s credit report regardless of the age or status of that account.

What are some scenarios where the creditor cannot or does not verify the information previously reported?
– The creditor no longer is in business
– The creditor has sold the account to a collection agency and that collection agency does not have the complete or accurate information on the account
– The account is old (even if not yet 7 years old) and the creditor cannot locate the information or chooses not to
– The outstanding balance has since been paid, and therefore the creditor has no incentive to respond to the inquiry from the credit reporting agency

Does this mean that all derogatory or negative items will be deleted from a consumer credit report through the credit repair process? Certainly not. Here’s what will be:
1- Erroneous accounts
2- Obsolete accounts
3- Those accounts that the creditor does not verify as accurate when contacted by the credit reporting agency when that item is challenged

Credit repair is not a panacea or fix for all past credit problems of a consumer. But by going through this process it can clean up a consumers report and increase their score. It may give them enough of a credit score increase to qualify for a purchase and simply look more credit worthy to a future creditor.

Consumers considering this process should consult a professional company that has a successful track record and an A+ Better Business Bureau consumer rating. They should also seek a company that will educate them and make specific recommendations on what they can do to increase their score and keep that score as high as possible in the future.

Dale & Shirley Guiducci are credit repair professionals and owners of ERA Credit Services. ERA Credit Services is an independent agent for United Credit Educations Services and Financial Education Services headquartered in Farmington, MI.

Contact Dale & Shirley
East Coast (727) 222-0120
West Coast (619) 492-3040
info@eracreditservices.com
or visit www.eracreditservices.com

Best Credit Repair Services Tampa

A How to Guide to Choose the Best Credit Repair Company in Tampa, St.Pete, Clearwater

If you did a search on the internet to find the best credit repair services Tampa several companies were listed in Google, Yahoo or Bing. What now? Do you contact each of credit repair companies listed on page one? Below is some helpful information that will save you time and help you find the best credit repair company in Tampa, St. Pete and Clearwater.

Best Credit Repair Services Tampa

 

Should You Choose a Local Credit Repair Company in Tampa, St.Pete, Clearwater or a Large National Company?

In most cases you should find a local credit repair specialist. However, you should also be aware that the credit repair industry in not regulated as heavily as other industries. There are no licenses required and many of those listed on the internet are not companies per se. They are one person operations that have “fixed” their own credit perhaps and decide to try and make a go of it doing it for others. They do not necessarily know about and follow the proper state and federal laws that are in place. Their resources and expertise are limited and you must check their history and track record to be sure they’ll be in business moving forward.

Working with a large, national company does give you more ability to check their background and know that they have been around for a while and will continue to be in business. However, they typically have less than stellar customer service. What can you do if you don’t get results? Is there someone you can talk to?

The Solution – To get the best credit repair service Tampa, ERA Credit Services is both local and national. With a credit repair office in Clearwater and owners that live in Largo you are provided the personal customer service you should expect from a local company. ERA Credit Services is a credit repair company that is a member of the Central Pinellas Chamber of Commerce. You also can have confidence that ERA Credit Services will get you results because they are backed by a national company, Financial Education Services, that has 13 years experience and a credit repair company with an A+ rating with the Better Business Bureau. You get the best of both worlds.

Credit Repair Pricing

Of course, this is a major deciding factor in choosing a credit repair company whether it be in Tampa, St. Petersburg, Clearwater or any other city in the country. In the credit repair industry there are 2 pricing models.

Monthly Payments for Credit Repair Only – Many credit repair service companies charge a set up fee and then a monthly fee. This can appear to be the best way to go. However, typically companies that charge this way do not address all your items right away. They will address them one or two at a time dragging out the length of time it takes to get you a result. Be sure to ask if all items are addressed right away.

Pay Per Deletion – Companies using this pricing model charge you when they have removed items from your credit report. This actually sounds pretty good, doesn’t it? However, you are usually charged a set up fee in order to pull your credit and give you an estimate of the fees you’ll pay. Companies using this model typically charge between $25 and $500 per item. The difference in price depends on the type of item. For example, a cell phone bill might be $25. However, a bankruptcy or short sale could be as much as $500 per item. And, it’s per item per credit bureau! So, you actually get charged 3 times for removing an item from all 3 bureaus. Therefore, some items could be as much as $1,500.

ERA Credit Services Pricing – ERA Credit Services provides the top credit repair service in the country. They work on all 3 major credit bureaus (Experian, Equifax, and Transunion), address all your derogatory trade lines immediately (first results usually within 45 days), and any type of account including bankruptcy, foreclosure, short sale, judgments, liens, credit card charge offs, medical bills, student loans, late payments and more. Your starting fee is only $87.00. There is no other set up fees. Your service starts at $87.00 and you pay $87.00 per month with no minimum time period.

Credit Repair is Not Enough

Credit Repair is great but you need more than just credit repair. Here’s what ERA Credit Services provides for just $188 to start and $89/month:

  • The industry leading credit repair service
  • Online monitoring of your service with timely updates
  • Online credit monitoring through Smart Credit™. Get your credit score and updated credit reports 24/7
  • Credit and identity theft protection through Lifelock™
  • An analysis of your credit history with recommendations on other ways to increase your score
  • An online debt payoff system
  • A will, living trust, medical & financial power of attorney
  • Online service where you can list all your important personal and financial documents for your loved ones in case of an emergency

Best Credit Repair Services Tampa, St. Pete, Clearwater

There simply is no other choice for best credit repair services Tampa, St. Pete and Clearwater.
Call ERA Credit Services today at 727-222-0120 or visit Best Credit Repair Services Tampa Bay to fill out a form and request a phone appointment.