The city of St. Petersburg, FL is one of the hottest areas of the country to live. The downtown area along with the museums, the parks, the beach all make it a destination for young and old. But to live in St. Pete, whether you rent or buy a home, you need a good credit score. If you need help increasing your score work with the best local company for St Pete credit repair.
ERA Credit Services – St Pete Credit Repair
Our office is in Clearwater but we service all of the Tampa Bay Area. We are backed by an A+ BBB rating. And, we are backed by a certification by the National Association of Credit Services Organizations.
The ERA Credit Services Difference
We aggressively use Federal Law to remove as many negative accounts as possible immediately. Many companies purposely slow the process down to get you to pay more monthly fees. Our goal is to provide you with the highest credit score as quickly as we can. That’s why we are recommended by many St. Pete and Tampa Bay real estate and mortgage professionals.
Credit repair is a great service and we are that best at it. But there are many other ways to help you increase your credit score. We consult with you on what can be done other than just credit repair to increase your score. Our suite of services are free of charge with our credit repair service.
You are provided a secure online portal to monitor your progress and view our utilize our other services.
You are given a Customer Support number to get live support 8 am to 8pm Monday through Friday Eastern time.
For St Pete credit repair you can ‘Book a Phone Appointment’. This is a free, no obligation consultation. You tell us what your goals are and potential issues on your credit report. We fully explain our services and how credit repair works including pricing. Then you make an informed decision. There’s never any pressure or sales tactics.
Credit Repair in St Pete – Book a Phone Appointment With Us Right Now
ERA Credit Services is an Independent Agency serving Pinellas County and Hillsborough County.
If you face challenges with your credit score you may search online for a solution and call a credit repair company. All Clearwater credit repair companies will tell you that they’ll attempt to remove negative items from your credit report.
But will they address all derogatory items immediately? Will they give you online reporting to so you can monitor the progress of your account? And, will they provide other services to help increase your credit score? These are the questions you should ask. But we already know that the answer is “no”.
Your credit score is not just based on negative items on your report. You need an overall credit score plan that will impact every aspect of your credit score.
You can read on but if you’d like we can explain this all to you over the phone.
We analyze your reports with all 3 credit bureaus (Equifax, Transunion, Experian). We then provide you with a credit score plan that includes our A+ Better Business Bureau rated credit repair service to maximize your credit score. And, you can track it all online, 24/7.
The Clearwater Credit Repair Plan
We give you a full and complete credit repair plan. We start with credit repair. We’ve been a top rated Clearwater credit repair company since 2014. We have become the company of choice for real estate companies, mortgage companies and banks for credit repair in Clearwater and Pinellas County.
Online Reporting 24/7
We give you on online account so you can see the progress of what we are doing. You’ll see the negative items we are working on for you. We dispute all your items immediately unlike other companies that want to prolong your service with them. Because we get the majority of our business from referrals from business professionals we need to act as quickly as possible.
A Credit Repair Plan of Action – Credit Builder
What about other steps you can take to increase your score? We give you a plan of action called Credit Builder to increase your credit score now. This knowledge will help you for the rest of your life so you can always have the best credit score possible.
Real-time Online Credit Monitoring
You need to see your credit score and be able to access your credit reports 24/7. How else will you know if credit repair is working? Free services like Credit Karma do not give you all 3 credit bureau reports. Nor are they reported in real-time. We give you that.
Identity Theft Protection
We then protect your identity through LifeLock. Why? Because as you increase your credit score you become a higher risk to have your identity stolen. That would disrupt any plans of buying a home, getting a business loan, buying a car, etc.. We prevent that from happening.
What about your existing debt? Debt utilization is a major factor in calculating your credit score. If appropriate, we give you a plan to pay down that debt using the same amount of money you currently use to pay debts now. Not only does it increase your credit score but you save thousands, potentially tens of thousands of dollars in interest.
Other Credit Score Services
If you currently are a renter of a home or an apartment we can talk to you about adding your monthly rental payment to your Transunion credit report. This will add another positive account to your history this increasing your score. We also have a secured credit card program if you need help adding positive accounts or what’s called trade lines. The more positive accounts you can show the higher your credit score will be.
Let’s Make Sure We Can help You
Does this sound like the plan of action you need? Then click below and ‘Book a Phone Appointment’.
Pick a day and time that fits your schedule. We’ll call you at that time.
We’ll talk about the specifics of your situation. We’ll explain exactly what we do.
Then you decide if working with us if your best plan of action.
Call Us for Clearwater Credit Repair at 727-222-0120
ERA Credit Services is an Independent Agency serving Pinellas County.
If you’re looking to start a credit repair business you may have come to the conclusion that you basically have two options.
Option 1- Piece together the business by paying separately for software, a website, contracts, training and other essential components by buying kits, CD’s and manuals.
Option 2- Purchase a credit repair franchise that presumably has everything you need to get started.
We actually are going to provide you a third option for a credit repair business opportunity below that we believe you’ll find head and shoulders above the first two.
A Challenge to Overcome to Start a Credit Repair Business
Neither of the first two options overcomes a major challenge in the credit repair business. You need to have the time to not only find clients but also perform the credit repair service for these clients. Finding clients is a full time job by itself. Doing the work of credit repair is another full time job. So, to work with either of the first two options there will be a limit to the amount of credit repair business you can generate. Or, you have to hire staff to generate the business or provide the credit repair service, whichever part you do not want to do or are least skilled to do.
If you have done any homework on the topic you probably did an internet search for the following terms as we did:
start a credit repair business
starting a credit repair business
credit repair business opportunity
credit repair business franchise
and terms very similar. What you found are the types of opportunities mentioned above. Companies that provide pieces of the business, and others that offer a credit repair franchise.
What You’ll Need to Start a Credit Repair Business from Scratch
Before you can decide on a company to work with that offers pieces of the credit repair business you need to understand all the pieces you’ll need. Here is a partial list of what you would need to start a credit repair business.
A Web Site– and text for that web site such as frequently asked questions, a marketing video explaining your service, a contact form, an option for a client to sign up for your credit repair service online, and more.
Marketing Materials– brochures, flyers, videos, business cards, logo
Credit Repair Contracts for your state or other states if you want to do business outside your state
Credit Repair Software to assist in the credit repair process, sales tracking, and accounting
A Staffed Phone Line for customer support
An Automated Process for updating clients on the their credit repair progress
We found no companies other than the third option which we’ll reveal below that provides all these pieces.To put it all together, costs will range upward from $1,000 to start a credit repair business. But that does not include many of the missing parts of your business. You can estimate the true start up costs yourself but our figure is conservatively at $10,000 over the first year.
Credit Repair Franchise
There is the credit repair franchise or licensee option. We found a few although there may be more.
There is also a company called Credit Repair USA which is not a franchise. They consider you a licensee. According to a video on their website as of the update of this post they’ve been bringing on licensees since 2015 and have about 200 such licensees. Franchise Gator lists their fees at between $199/mo to $1499/mo.
Challenges with a Credit Repair Franchise
Let’s assume each of these franchisors or licensors provides you with everything listed above. And let’s ignore for the fact for a moment that many credit repair franchisors have gone out of business. That, of course, leaves their franchisees with no benefit to the money they spent on the franchise. You still have to consider that franchisors typically limit your territory.
And what really are you paying thousands of dollars for? None of these companies have a household name. If you buy a Subway sandwich franchise you’re getting a recognized name and national TV exposure. But none of these companies will accomplish that for you. And, are they going to satisfy the requirements in your state or do you have to do that?
The Best Solution to Starting a Credit Repair Business
Option 3- So, what if you could find a company that provided everything you needed to get started in your credit repair business? And, you got everything from Day One.
Website- you have a personalized web site built for you. It’s complete with frequently asked questions, marketing videos explaining your service, a contact form, an option for a client to sign up for your credit repair service online, and much more.
Online Marketing- if you want to use social media and other aspects of the internet for marketing you’ll have landing pages and a contact management system. If you want to do build a credit repair business online, you’re ready to start posting and placing ads.
Marketing Materials– you’ll have immediate access to professional brochures, flyers, folders, videos, and business cards. These materials are compliant with all state and federal regulations, and laws.
Credit Repair Contracts- you’ll have digital contracts right on your website for all 50 states. And that’s how you’ll enroll your clients, right online.
Credit Repair Software- we have the most sophisticated credit repair software in the industry. However, you won’t have to learn it because you’ll have staff provided to you. These highly training credit repair personnel will pull credit reports, analyze those reports, draft dispute letters and get them processed. All that information will be uploaded to your online portal for your review.
Customer Support- again you’ll have a dedicated team to handle all your client calls, answer questions and update you if needed.
Automated Client Reporting- each of your credit repair clients with have an online portal and secure login. Any information or updates on their account will be uploaded for their convenience.
Training- immediately available to you will be our online training system. You can not only start your training right away but you can do it on your schedule. You’ll also be included in our weekly live training that you can access from your home or office.
Highlights of our Company
We offer credit repair at one of the most competitive rates in the industry.
And, we provide clients with a satisfaction guarantee.
We do not limit your geographical limitations. You can do business in any and all 50 states.
You can find and develop other individuals who wanted to also be in the credit repair business, and get paid on their business.
You can offer other services such as a Will and Trust, LifeLock, a service to help your clients pay off their bills faster, a service that showed them how to increase their credit score beyond just fixing their credit, and more.
We provide you the benefit of up to $100,000 in life insurance.
And, you could get started immediately for less than $300.
Well, if you’re serious about getting into the credit repair business this is not a hard decision.
ERA Credit Services can provide you with the opportunity to be in the credit repair business, get everything listed above, and do it for less than $300 out of pocket start up costs. You can literally start today and begin earning money by the end of the day. On top of everything listed above we have the best compensation plan in the industry.
If it sounds too good to be true, it’s not. We have simply found a way to provide a better opportunity. Don’t you owe it to yourself to find out more?
Watch This Video to Learn
How to Start a Credit Repair Business for Less Than $300
Did You Like What You Saw in the Video?
If so, then click below to ‘Book a Phone Appointment’
This post was originally published in June of 2013 and has been updated for freshness, accuracy and comprehensiveness.
Approximately one third of the people in the U.S. have a sub-prime credit score (under 620). About 14% have no credit score at all. That means that nearly half of this country needs help. But you have to find those people, get your message out to them, and convert them into clients. The only way to do that is to think of your new business as an online credit repair business.
That doesn’t mean you won’t have interaction with your client prospects. It just means that you need to find them online through social media and other ways, and attract them to you. But finding clients online isn’t as easy as it sounds. Taking someone from a Facebook Ad, as an example, to a converted client requires online tools and marketing material.
Online Credit Repair Business Model
Building online tools such as Ads, sales funnels, and landing pages can be a full time job by itself. Couple that with everything needed to start a credit repair business in the first place and it can become overwhelming. Fortunately we have a business model that someone can plug right into and have the tools and technology, online and offline, to start generating clients right away.
Building an online credit repair business can be advantageous to those that still have another business or job. It allows the part-time credit repair business owner to look at their phone, tablet or laptop and check in on their business periodically throughout the day. You can send a quick message or a book a phone appointment at a time when you’re available.
Built in Credit Repair Business Support
In addition to the marketing, one other consideration is the time and effort it takes after you get a client. Who’s going to pull credit? And how are you going to get those credit reports? Who’s going to analyze those reports and generate legally compliant disputes of derogatory items? How are you going to report progress and results to the client? And, there’s much more in the way of administration to be concerned with. No worries. Our business model takes care of all that too!
Start an Online Credit Repair Business for Under $300
With our credit repair business model you immediately have access to:
Your Own Website
An Online Business Office
An Online Training System
Marketing Videos & Other Materials
Landing & Capture Pages
Dedicated Client Support
and Much More!
Now I’ll stop typing and let you see for yourself. Click the box below to go to our Business Opportunity page. There you can watch a very informative video and get the details. Then, if you like what you see, click the box just below the video to ‘Book a Phone Appointment’. We can then have a detailed discussion, let you ask all your questions, and get you started.
Dale Guiducci is a partner at ERA Credit Services and Vice President at Financial Education Services. Since 2012 he has helped thousands of people nationwide with their credit score. And, he has coached hundreds on starting their own credit repair business.
Whether you earn $30,000 a year or $300,000 there are basic protections we all should have to secure ourselves and our families. Your credit score, that 3 digit number, is so vitally important that we need to take steps to manage it and protect it. A key in protecting your credit score is to protect your identity.
Facebook announced on September 28, 2018 that an attack on its computer network had exposed the personal information of nearly 50 million users. It is unclear if this breach affected the world-wide Facebook community of 2.23 billion or just the 214 million U.S. users. Assuming it was a world-wide attack you would have a 1 in 45 chance of having your identity compromised.
If you are not currently using Lifelock or another identity theft protection program you should immediately. The day after Facebook reported the breach Lifelock sent out a warning to its subscribers so they could take appropriate action.
Protection of your identity and credit is a monthly expense. But it’s nominal compared to not being protected. Protection of this kind should be looked upon as being similar to home owners, car, life and health insurance. Comparatively it costs much less but can save you just as much.
A recommendation is to get an evaluation of your current credit status. There are simple many ways and ongoing habits to adopt that can boost your score. You just have to know what those are. For a free evaluation visit www.ERACreditServices.com/contact. There you can schedule a phone appointment on a day and time convenient for you. We can also enroll you for Lifelock to protect your identity immediately.
ERA Credit Services is an Independent Agent and is backed by a 14 year track record of exemplary service to its clients and an A+ BBB rating.
You have a great idea. You want to start a credit repair business to help the hundreds of thousands that need to increase their credit score. You’re searching around the internet to find out how to do it. Then you realize that starting it on your own is not simple or easy. It requires a lot of legal knowledge and start-up capital. Not to mention it will take months to get it going before you can start looking for your first client. We get it! We’ve been there! In 2012 we did the same thing. But because we went through all of that you don’t have to. We have a proven credit repair business model that’s set up. It’s waiting for you to plug into it, start helping people, and generating income for you from day one.
All of the technology, website, infrastructure, customer support, and legal requirements in all 50 states are all handled for you. You plug into it and learn how to share the services to your perspective clients. You’re up front investment? $288.00. That’s it!
Does it sound too good to be true? Perhaps. But it is true. We’ve been helping people start their own credit repair business with a proven credit repair business model since 2012. You see we used the exact same business model to help thousands of people all over the country improve their credit score. We have been earning a six figure income from a home office for years. We proved that it works. Now we offer this proven credit repair business to anyone willing to learn and put in the effort to go out and get the clients.
We’ll teach you everything we did to go from nothing in 2012 to a nationwide credit repair service producing close to $1 million in revenue annually. How do you find credit repair clients? How do you speak to them so they feel comfortable working with you? How does credit repair work? What can you and your client expect? All this and more.
If you want to learn about our proven credit repair business here’s what you need to do…
Click this link below and watch a video
If you like what you see in the video scroll down from there and book a phone appointment with us. We’ll cover any details and answer any questions you have.
That’s it. We keep it simple. And at the end of our conversation if you decide to go in another direction to start your credit repair business we’ll wish you the best of luck…and mean it!
So, what do you have to lose? Click the button below. We look forward to talking with you.
Many people when needing or wanting to raise credit score immediately find someone else to do it for them. They call a credit repair company and assume that is the best they can to do increase their credit score. Enlisting the help of a credit repair company to raise credit score is a good idea in most cases. But there are other steps people can take as well to increase their credit score.
What is Credit Repair?
Credit repair is using federal law to remove derogatory items from credit reports that are erroneous, obsolete or unverified by a creditor. It can be very effective but in most cases will not remove every negative item from a credit report. Why? Let’s consider a negative item that is not an error and the date of the last activity on the account is within the last 7 years. The only way that item is going to be removed by the credit bureaus is if the creditor does not respond to a dispute of that item. If the creditor continually responds stating that item is accurate, it’s not coming off until the 7 years is up.
So then why is credit repair effective? Because many creditors don’t respond to the dispute sent to them by them credit bureaus. It’s as simple as that.
Tips to Raise Credit Score
Credit repair is one step that someone should take but there are other steps as well.
Balances on Revolving Accounts
Many people think that if they simply make their minimum payment every month on their credit cards they are doing their best to maintain or raise credit score. That’s not true if the balance on the credit card is higher than 30% of the credit card limit. So, pay down your balances to under 30% of the limit.
Late payments are one of the worst enemies to a high credit score. As we work with clients sometimes we are removing negative items and they call us upset that their credit score has gone down. After investigating we find that they have made a recent payment late such as a car payment. Late payments can reduce credit score by as much as 60 points. By making future payments on time the score will increase again. But if someone is trying to raise credit score don’t make late payments.
Many people don’t realize that even if they have very few or no negative item on their reports they are not going to have an excellent credit score unless they have positive accounts as well. The more positive accounts the easier to raise credit score. Find ways to add positive accounts to your credit reports. Don’t spend money you can’t pay back on time. But find a company that reports to all 3 credit bureaus and open an account. Make a small purchase and pay it down to 30% of the credit limit given to you immediately. Depending on current credit score perhaps go to a bank or credit union that has credit builder loans. Even if it’s just $500. They will put the money in a savings account and you can pay back the loan from the savings account. It will cost you some interest but will raise credit score.
To clarify, we are credit repair experts. Credit repair is a very positive step. But we also educate our clients on what I’ve shared above and other things depending on their personal circumstances. We also provide other tools for our clients to raise credit score at no extra charge that other companies don’t. Click “Book a Phone Appointment” below or visit the Credit Repair Page on our website.
When trying to rectify issues with your credit report it may be advantageous to reach out to a credit repair company. Here is some information to help consumers understand why it’s important to work with a company that is certified credit repair Tampa.
Unlike many industries such as real estate and mortgage, there is no state or other government licensing necessary to get into the credit repair business. There are no courses or testing issued by the state. Therefore anyone could start a credit repair business and begin taking on clients. People may or may not be knowledgeable and/or be able to give advice to consumers regarding their credit reports. Each state does have its own registration process and it may be necessary to acquire a surety bond. But this does not guarantee that the individual knows anything about credit repair and credit repair law.
As an example, I spoke last night to a gentleman who had recent financial difficulty and had late payments on his mortgage, credit cards, and auto payments. He was working with Lexington Law, one of the biggest names in the credit repair business. They had been working on his credit report for 8 months with no results. He was calling me to determine if he should switch to working with us. I told him to stop credit repair altogether as it was premature. The late payments were too recent to have any reasonable possibility of getting them removed. This is not the advice he was expecting but it was the best advice he could receive. We are going to revisit his situation in a few months and determine what the best course of action is at that time.
Certified Credit Repair Tampa
When looking for certified credit repair Tampa or anywhere, look for two key factors. Is the company or individual rated by the Better Business Bureau and are they certified by the National Association of Credit Services Organizations (NACSO)?
If the company does not have a Better Business Bureau rating it may mean they haven’t been in business long enough to acquire a rating by the BBB. That’s simply a clue into the experience of the individual or company whose hands you are contemplating putting your financial history into.
NACSO does a thorough check on each company they certify. There are very few companies certified by NACSO in relation to the number of people and companies claiming to do credit repair. There is a good reason for that as most would not qualify for this certification.
Our company, ERA Credit Services is an Independent Agent for United Credit Education Services which is certified by NACSO, is accredited by the BBB and has an A+ rating. Based on this certification and rating you can be sure you are working with a company that has the experience and knowledge to advise you on issues regarding your credit reports. And, can help you in many ways to increase your credit score and help you maintain that credit score.
Become an Authorized User on a Positive and Seasoned Tradeline
An effective way to increase your perceived credit worthiness is to buy seasoned tradelines and be added as an authorized user on a positive and seasoned revolving account or tradeline. There is a lot to know about the best way to do this. And, there are steps to take before you do this.
Before You Buy Seasoned Tradelines
You should first make sure you have taken steps to remove as many derogatory items from your credit report as possible. If you purchase a tradeline and still have negative items on your credit report you may not get the effect on your credit score that you desire.
Once you have cleaned up your credit report as much as possible you may want to buy seasoned tradelines which will be listed on your credit report. But here’s what you need to know before you do.
Seasoned tradelines are revolving accounts meaning they are credit card accounts.
When you buy seasoned tradelines you are:
Adding positive payment history
Showing a longer time of having established credit (seasoned)
Showing responsible use of credit by having an account with a low debt ratio.
Because of what is stated above we see 30 to 60 point increases on average.
A seasoned tradeline may give you a new highest credit amount. This will also show more credit worthiness.
The tradeline may show up on less than all 3 credit reports. Make sure you get a guarantee when you buy seasoned tradelines. We guarantee it will report on 2 out of 3 of the major credit bureau reports.
You will NOT be able to use that credit line. It will simply show up on your credit report.
This item will show as an open account on your credit reports for a very short period of time. Most companies that you purchase tradelines from will give you 30 days. We give you 60 days.
After the stated time you will be taken off the tradeline. The credit bureaus may remove that tradeline from your credit report or leave it on your report. It will usually remain for 3 to 6 months.
The key then is to be ready to use the positive effect when you buy seasoned tradelines when it is present on your credit report.
When we go to the doctor, the first thing they do is check our vital signs. Blood pressure, pulse, and blood oxygen levels. Every time. In effect, what they are doing is checking our heart. Without a healthy heart, it’s impossible to have physical fitness. The equivalent in financial fitness is having a healthy credit score.
Most of us will agree that the key to a healthy heart and physical fitness is diet and exercise. If we maintain a healthy eating style and exercise regularly, we have a reasonably good outlook for physical well being.
Similarly there are keys to financial well being also. Good habits that we all can learn and do to have a sound financial well being. And, if we do these things we will have a good outlook for financial fitness which will be represented by a healthy credit score.
First of all, we need to check our financial fitness vital signs ourselves. For most, there’s no financial doctor that we go to regularly that do that for us. So, we need accurate, real time credit monitoring. Not the free services because they aren’t accurate and aren’t real time. Not the one we get from the credit card companies for the same reason.
Then we need to protect our credit which comes from protecting our identity. It’s like taking supplements to bolster our immune system. Identity theft protection is a key to a healthy credit score and sound financial outlook.
We also must learn how to get and maintain a healthy credit score. It seems that everyone is only focused on negative items versus positive items on their credit report. But there are many things we can do on a regular basis to achieve a healthy credit score even if we have negative items on our credit reports. We were taught at least some things in school about health. There were even courses we had to take. But there were no courses financial fitness and certainly nothing about a healthy credit score.
What about those negative items on a credit report? Can we do anything about that? Most of the time, yes! Just like with disease, if left unchecked it could seriously affect your health.
If we have negative items on your credit report it’s like a disease of our financial fitness. And, in a lot of cases it can be rectified. Yes, we have to take a remedy for it but not forever!
Then there’s debt. Paying interest on debt zaps our financial energy. Money is going out with no return. But what if we could pay that debt down and stop paying as much interest? We would have more money to save for emergencies, retirement and college.
Once we start developing a sound financial outlook we need to protect it all. Therefore we all need a last will, living trust and medical and financial powers of attorney. Without these vital documents everything we build for ourselves could go up in smoke before our heirs see it.
Everything we need to rectify these problems and have sound financial fitness is available. The problem is, that up until recently, no one knew where to get all this. It was like going to a gym for cardio, then another for weight training, then another for yoga. It was unrealistic and expensive.