Author: Dale Guiducci

San Diego County Credit Repair

San Diego County Credit Repair

ERA Credit Services is the Clear Choice for
San Diego County Credit Repair

Serving San Diego County
Credit Repair Clients
Since 2012

san diego county credit repair
ERA Credit Services

Backed by an A+ Rating and Accreditation
by the Better Business Bureau

Backed by a certification from the
National Association of Credit Services Organizations

Keller Williams          Movement Mortgage

Century 21     Wells Fargo Home Mortgage

American Express Open

Credit Repair Partners
for Agents and Brokers
in these Companies
and More!

But Here’s What’s Really Important to Know

We dispute all your negative items immediately. Most companies do not. Most companies will purposely extend the time it takes to remove negative items from your credit report because they like your monthly fees.

Our goal is to get you the highest credit score as quickly as we can

While we are removing negative items from your credit report you are going to learn positive credit habits. We give you an online tool call Credit Builder. Credit Builder will show you multiple things you can do to increase your credit score.

We Provide All Our Clients
with Identity Theft Protection
from LifeLock

You Immediately have accurate
Online Credit Monitoring
with Smart Credit

You can Log In Online and See all the Services You Have
and Monitor the Progress of Your Credit Repair

No One Else Provides the Services We Do
and the Ease of Access to the Progress of Your Credit Score

To get started it’s a one-time $99 Activation and Just $89/month
for as long as you need the service.

That means you call the shots. Once you have achieved your goals, call us up and we’ll cancel your service

Call us today for a Free, no obligation phone consultation
to assess your specific situation and design a plan of action just for you.

We provide Discounts for multiple family members

Customer Support in English & Spanish

San Diego County Credit Repair

Create Passive Income in Credit Repair

To have passive income in any business you first have to ‘create’ passive income. In order to do that, you need two components in your business.

Passive Income – Two Components in Your Business

First, you must sell a product or service that your customers pay for again and again. You can’t sell something that your customers pay for once and create passive income. You’ll never be able to stop chasing new customers.

Second, you need to develop a network of people that are also selling your product or service. And, when they sell your product or service you get paid. If you try and create passive income from just your own efforts you’ll never be able to stop. That is, unless you think your customers will keep paying you forever.

Passive Income in Credit Repair

The credit repair business is not the perfect industry to create passive income. I didn’t say it wasn’t great. I said it wasn’t perfect. All that means is that you have to pay close attention to both steps outlined above. Recurring payments for the credit repair and other people selling credit repair so you get paid.

Think about it. The one thing about credit repair that you must realize right away is that when you sign up a new customer the first thought on their mind is, “how quickly will this work so I can stop paying”.

All that means is that in credit repair you’re going to be signing up new customers every month. And, every month you’ll have some customers stop paying you. Therefore, you have to keep replenishing your customer pool. That isn’t a big issue for the first few years. But trust me on this, at some point you’re going to get tired of chasing new customers.

The only way to overcome what I just explained is to have other people selling credit repair for you and you get a piece of the pie. Even though it’s a smaller piece than if you sold the service yourself.

passive income revolving door

The Efforts of Other People to Create Passive Income

I know, I know…this one is hard for some people to wrap their heads around. And, even harder to figure it out and make it work. To create a system on your own that allows you to sell directly to customers yourself is hard enough. To create a system that allows others to sell for you and get paid well, and you get paid too, is really hard.

We’ve  Got the System to Create Passive Income

We have a system to help you create passive income in credit repair. Not only that but this system overcomes all sorts of challenges when starting a credit repair business.

  • Federal and State Laws
  • Service Delivery
  • Technology (websites, software, customer reporting
  • Marketing (videos, brochures, landing pages)
  • Payment Processing
  • Developing a network of others selling the services
  • Credit Repair Business Training
  • And more…
Robert-Kiyosaki-Quote

It’s brilliant actually. I can’t take credit for it. I didn’t create this system. But my wife and I have taken advantage of it to build a credit repair business that generates about a $million a year in revenue and a nice six figure income. And, we do it from a home office.

Of course, there’s more to know, right? But you have to have an open mind. You have to realize that there are people that figured this out way before you even thought of having a credit repair business. The one thing I’ve learned in business is to find people that are already successful and follow what they do.

So, here’s a great suggestion. Visit the Business Opportunity page on our website. Watch a couple of videos. If you like what you see schedule a phone appointment with us.

Create Passive Income in Credit Repair
Credit Repair Franchise

Credit Repair Franchise

One of the ways to get into the credit repair industry is to purchase a credit repair franchise. By buying a franchise it gets you marketing and selling much quicker. You don’t have to wade through the legal and technology minutia on your own. Your business should be pretty much ready to go.

What we offer is not specifically a credit repair franchise. But it’s much like a credit repair franchise without the restrictions. We call it an Agency. The infrastructure of technology, service delivery, marketing materials (including websites, videos, landing pages), and client tracking is all provided.

credit repair franchise benefits

Our credit repair agency offers everything a franchise does with 4 major advantages

Other Services – Credit repair is a much needed service without question. But you must understand two facts about credit repair. One, it’s not the only thing that can be done for someone to increase their credit score. Two, if credit repair is all that you sell, your clients go into it with the idea of getting out as quickly as possible. Your residual income isn’t “sticky”. You’re just replacing clients instead of adding to them. We provide other services to help the client with their credit as well as their whole financial picture. We also have services that people want long term. Your retention of clients therefore is much higher. And, we provide all these services for the same price as other companies charge for credit repair alone.

Training from Successful Agency Owners – Training is a cornerstone of our Agency program. But the key is that you get trained by highly successful Agency owners. These are entrepreneurs that generate revenues in excess of $1 million a year in the business that you want to learn. How brilliant is that?

Unlimited Territory (US) – Not only are you not restricted to a city or county as credit repair franchise owner. With our Agency you can do business in any U.S. state or territory. All the bonding and legalities have been satisfied. This is HUGE even if you’re thinking that there’s enough business in your local market. Which there is. But once you understand this industry you’ll be thankful for the ability to do business anywhere.

Grow Your Business Exponentially (or Not) – You have the choice to introduce this business opportunity to others. When you do so you earn bonuses and overrides on those Agencies. Would you like to expand your business to other metro markets and states? You can! But you don’t have to. If you simply want to sell the services yourself and not expand, that’s ok too. It’s your choice.

If this business model sounds appealing visit our site and watch a couple of videos that will give you details.

Visit Credit Repair Business Opportunity

After watching the videos you can schedule a phone appointment to speak with Dale or Shirley Guiducci, two of the top people in the credit repair industry. They will discuss your goals, answer questions, and give you their insight of many successful years in the business.

Credit Repair Services on Steroids!

Tampa StPete Clearwater ERA Credit Services

Credit Repair Services Can Be the Key to Home Ownership

Credit repair works really well. But credit repair alone may not get someone’s credit score to where they need it to be to qualify for a mortgage. The right type and number of positive trade lines is also necessary. Along with the right debt to limit ratios. If you want the job done right the first time, you want other credit repair services!

Most people that are excited about owning a home don’t see past buying a home. They forget about property taxes, maintenance costs, and other expenses that they didn’t have as a renter. A few years down the road the newness of owning a home wears off. Now they get concerned about other things like college expenses and retirement.

Our Credit Repair Services Help You Beyond Just Credit Repair

Credit Score Education – Know exactly what you can do to have the best score possible

Online Budgeting Tool to help you save as much money as you can for the future

Online Debt Payoff System helping you pay down balances and get out of debt faster

Identity Theft Protection – don’t have your score affected by thieves

A Credit Attorney to deal with the Bureaus if needed

Accurate Online Credit Monitoring

Don’t Pay for a Service That Doesn’t Do the Whole Job

Click the box above.
Pick a day and time that works for you.
We’ll need about 30 minutes.
We’ll talk to you about YOUR SITUATION.
We’ll give you reasonable expectations and time frames
Is it worth $89/month for a short term to own that home for the long term?
You’ll have everything you need to make the best decision

ERA Credit Services has been serving clients since 2012. We are proud to say that many of your clients are referred to us by real estate agents, mortgage professionals, bankers, the Chamber of Commerce, and other professionals. We’ve won their trust. Let us win yours!

Credit Repair Services on Steroids!
ERA Credit Services Joins Forces with Entrepreneurs International

ERA Credit Services Joins Forces with Entrepreneurs International

ERA Credit Services has reached an agreement to join forces with Entrepreneurs International, Atlanta, GA. Entrepreneurs International (EI) provides transformation training for people wanting to learn the mind set and skill set necessary to become successful in an entrepreneurial endeavor. EI also has developed specific credit repair business training and financial services business training for ERA Credit Services Agents.

EI provides online and conference call training as well as live seminars in regional locations around the country. The goal is to instill in new or veteran entrepreneurs and business owners the intrinsic values and skills necessary to think and act like a successful business owner.

EI was founded in 2017 by Gregg Amerman, Frenita Amerman and Joe Locke. Combined they have over 75 years of successful experience in the direct selling industry. They have generated over $250 million in revenues during that time. This group has developed an entrepreneurial training curriculum and has trained tens of thousands of people around the country.

In addition, co-owner of ERA Credit Services, Dale Guiducci has become a trainer for EI. Dale will conduct regional 2 day training events called Secrets of Success. He will participate in conference call training and other training platforms as well. Secrets of Success covers all aspects of building a successful financial services and credit repair business training. These events also instill principals for success in any business endeavor.

ERA Credit Services will introduce each of its new Agents to the EI training curriculum. Dale Guiducci stated, “The background and track record of the founders of EI is unmatched. What they bring to the table for our new Agents will help each one avoid the pitfalls most people encounter when running a business. It will also help us advance our existing Agents to the next level of success in their business.”

Secrets of Success trainings kick off in January of 2018 in 8 cities around the country. EI will hold its annual convention at the JW Marriott in Orlando, FL on February 9 – 11.

Anyone interested in learning more about the Entrepreneurs International credit repair business training curriculum, or about how to start a credit repair business or start a financial services business should contact Dale & Shirley Guiducci at 727-222-0120 or visit Credit Repair Business Opportunity.

Want to Start a Credit Repair Business or Create a Job For Yourself?

Over the past 5 years I’ve had over 2,000 people contact me because they want to start a credit repair business. I admire them. They want to strike out on their own and build something for themselves. However, most of these people are initially misguided.

Typically they see themselves doing the credit repair work. You know sitting behind a desk, analyzing credit reports, and drafting dispute letters. What they don’t realize is that there is less value in doing the admin work than getting the customers. That’s reflected in the hourly wage a credit repair company will pay for that type of work which is about $10-$15 an hour. The value is in getting customers.

However, you can’t both get customers and do the admin work effectively. There just isn’t enough time in the day. If you have no customers, you have no work. If you have lots of customers where are you going to find the time to deliver the service? If someone truly wants to draft dispute letters they should never start a credit repair business. Just go work for a credit repair company. It’s a lot less stress, you don’t have to do everything else, and it doesn’t cost you anything.

Let’s say someone ignores this advice and they still want to start a credit repair business. They feel they can do both, get customers and do the admin work. They may even hire employees to do the admin work so they can do the marketing and selling. Or, they hire someone to do the marketing and selling so they can sit behind a desk and analyze reports and draft dispute letters.

Here are some million dollar questions. What happens if you can’t work? What happens when you want to take time off? Who’s going to take calls from customers after 5 pm and on weekends? Who’s going to get the work done when your employee is sick or has to take time off themselves?

What someone has built in this scenario is a business that owns them. They have no more leverage than when they worked at a job. They have even less leverage because they can’t walk away from their obligation to their customers.

Trust me on this. My wife and I were in this situation 5 years ago. It’s overwhelming and seems like there’s no way out. If we stop we lose our income. If we keep going we’re unhappy, stressed and overworked.

What’s the solution if you truly want to start a credit repair business? Build something for yourself but not by yourself. Create an expandable business that can operate without you. Become a true entrepreneur.

In order to do that you needs two things. One is a system. You could call it an infrastructure. Websites, other technology, customer service, service delivery, legal team, marketing materials, employee training, etc. You can build this yourself with a ton of money, time and management headaches. Or you can leverage what someone else has already done. I like the second option. Then you need a distribution network. You’ve got to have other people exposing your business, selling to customers, and finding other people to expose your business.

In other words, why reinvent the wheel? Someone’s already done that. Use their wheel. They may take some of your profit as compensation for having built this infrastructure. But it takes millions of dollars to build a top notch, professional, reliable, and completely legal infrastructure. Do you have millions of dollars?

And, instead of hiring employees why not show others what you did, let them start their own business too, and get paid on what they produce? You have no overhead, employees, or liabilities!

In this scenario you’ll still need to work the business yourself for some time. Maybe 5 years, 7 years, 10 years.  But along the way you’ll develop a business that operates without you for a period of time. And an income stream that keeps paying you even when you take time off, are sick, etc. Eventually you will be able to walk away entirely and get paid the kind of income entrepreneurs get paid.

If you’ve researched how to start a credit repair business you might think what I’m describing is expensive, takes too much time, and that you don’t know how to do it.

The truth is that if you have about $500 to start and are willing to invest profits back into your business, you can do this.

If you have between 10-15 hours a week or more, you can do this.

If you are willing to get trained online, listen to conference calls a couple of times a week, and attend seminars, you can do this.

How do I know all this? My wife and I did it. Our business will generate over $1 million in revenue this year. And, we do it all from home without ANY employees. In fact, we now train other people who want to start a credit repair business. They want a true business that they own. Not a business that owns them.

We can help you too if that’s what you truly want, are open to new concepts, have some money to invest , have some time, and are willing to learn.

want to start a credit repair business

Want to Start a Credit Repair Business or Create a Job For Yourself?
Financial Fitness Program

Financial Fitness Program

More than ever before people need help with their personal and financial affairs. There are many reasons for this. The primary reason is that as a country, we are earning less in relation to inflation than we were 20 years ago. In addition, what we need in order to get our financial affairs in order is not organized and readily available for the average person. That is why we have developed a Financial Fitness Program.

Did you realize?

  • The average U.S. household credit card debt is $16,000 – NerdWallet.com
  • 69% of Americans have less than $1,000 in savings and 49% of those people have no savings at all – CNBC.com
  • 49% of Americans are living paycheck to paycheck – CNBC.com
  • The U.S. median family income rose just 2.8% since 2017 while the cost of living has increased 77% – US Bureau of Labor Statistics

We are certainly up against a series of circumstances that makes financial fitness next to impossible. Another factor is that we were never taught how to handle our finances in school, even college. We simply aren’t equipped on our own to develop a financial fitness program.

Financial Fitness Program

At ERA Financial and Credit Services we have joined forces with a company to provide an affordable financial fitness program for everyone. We call it The Protection Plan Membership. To get all these services and programs someone would have to get them from multiple sources and pay over $10,000. That’s just not realistic. So, we have put all these services together into a financial fitness program for only $89/month!

Here’s What Comes in Our Financial Fitness Program

  • A Debt Payoff System
    • 35% of Americans make only the minimum monthly payment on their debts. We show you how to pay these debts off faster saving tens of thousands in interest payments and how to live a debt free life.
  • Identity Theft Protection with LifeLock
    • Every 2 seconds an identity is stolen. 143 million people had their identity stolen through Equifax, one of the big 3 credit bureaus.
  • A Last Will, Living Trust, and Medical & Financial Powers of Attorney
    • Everyone should have these important documents in place but 65% do not.
  • Online Tool to Inform Loved Ones of the Location of Important Assets
    • $58 Billion goes in life insurance policies, 401k programs, bank accounts and other assets because loved ones don’t know they exist or where they are located.
  • Credit Enhancing Services
    • Today your credit is like a vital sign of your Financial Fitness. With a less than great credit score people pay more in interest and deposits, and can be turned down for purchases or to rent or lease.
      • Online Credit Monitoring with all 3 credit bureaus showing credit scores and credit reports
      • Education and recommendations on how to have an optimum credit score
      • Credit Repair to remove derogatory items from a credit report and increasing one’s score
      • A Credit Attorney that will step in if necessary
  • Money Savings Services
    • A Discount Travel Company with an online portal that saves thousands on hotels, resorts and vacation packages
    • A Discount Prescription Drug program that provides an average savings of 41%
    • An Insurance provider to insure that people are getting the right coverage at the best premium rates

To find all these services and programs on your own and become Financially Fit would be very difficult And again, very costly.  With our Financial Fitness Program called The Protection Plan these services come together. You get an online portal for easy access and coaching from our expert Support Team.

All for a one time set up fee of only $188
Then just $89/month

Think about it. If you can pay down your debt and therefore pay less interest on your debt ongoing, that would save far more then $89/mo.

If you could increase your credit score and pay less interest on your mortgage, car payment and credit cards that would save far more then $89/month

If you could prevent identity thieves from using your identity to open accounts in your name that would save more than $89/mo.

And, if you could save on personal or business travel throughout the year that would save far more then $89/mo.

Start Your Financial Fitness Program Today!

For more information call

East Coast (727) 222-0120
West Coast (619) 492-3040

Or email us at Info@eracreditservices.com

Home-Based Business Seminar & Training

I Want to Personally Invite You
to Come Out and See Me Next Friday Night
October 6th at 7:30pm
in Orlando, Florida!

Free and Open to the Public
Invite Your Friends & Colleagues

home-based business overviewLearn About a Home-Based Business
That You Can Start with $500, Work 10 to 15 Hours a Week, and be Taught How To Do It by People That Have Done It

Then on Saturday & Sunday…

I will be conducting a training seminar that will provide you with the mindset, skill-set, knowledge, system, action plan, tools, awareness, motivation and confidence to build a successful business as well as a superior quality of life!

Perfect for Both New & Veteran Business Owners

If You’ve Never Been to Our 2 Day Training
You Owe It to Yourself to Attend

home-based business seminar

For More Information or to Register for the Weekend
Visit Secrets of Success

To Contact Me Directly
Visit http://eracreditservices.com/contact/

Reasons Why Credit Repair StartUps Fail

Reasons Why Credit Repair StartUps Fail

We started a credit repair business 5 years ago and have developed it into a very successful business that will produce nearly $1 million in revenue in 2017. The truth is that we didn’t know a lot about the industry at the time. Nor did we have a successful track record of owning a business or being an entrepreneur. We’ve learned a lot over those 5 years. We’ve discovered the keys to running a thriving credit repair business and want to share the reasons why credit repair startups fail.

Let’s assume someone navigates through all the federal and state laws and has the time and money to get their credit repair business started. What are the unforeseen challenges lurking around the corner and the main reason why credit repair startups fail?

TIME

Do you have the time to find clients, sell to those clients, and service those clients? People often underestimate the time it takes to do marketing, sales, and service delivery. Sure you can get your first clients simply through word of mouth. Everyone knows people that need help with their credit score. But what happens when that pipeline dries up? You need a professional, focused marketing approach that will get your phone ringing from the general public. Then you need to know your competition in order to sell against them. You also must know how to add value to your service when speaking to a client prospect. In other words, you have to be a good, if not great salesperson. Then you have to deliver a great service to the client. This all requires time.

TECHNOLOGY

One of the biggest reason whys credit repair startups fail is due to competition from bigger companies. And, one of the components you need to compete with big companies is technology. Do you have a portal for your clients to use to stay informed of the progress of their account? If not, will it be enough for you to call them continually or them to call you? And once again, do you have the time to keep your clients informed this way? That’s just one piece of technology you’ll need. However, there’s much more needed.

TEAM

Having the time to run your business is a huge issue. A lot of people want to start a credit repair business part-time for extra money. Possibly they have the intent of building up their business and turning it into a full time operation at some point. Quite often they eventually realize that trying to get a business to the point of leaving their job requires much more time than they anticipated. The only solution to that problem is to have a team of people available for Customer Support and Sales.

Before you invest a lot of money, time, energy and effort into starting a credit repair business you need to heed this warning. Most credit repair startups fail because the people that start them do not have the time to make it work. And, they don’t have the time or expertise to develop a team for Customer Support and Sales to save them time. It’s a Catch 22, a conundrum!

TRAINING

Yes, I understand that companies on the internet will sell you software and a website and tell you that it’s easy. I’m telling you that there’s nothing easy about it. There are companies that will train you on how to do credit repair and even give you a certificate. But they don’t teach how to get customers and how to sell your service. They don’t teach you how to position yourself against the competition. They don’t teach you how to be a successful business owner. They don’t teach you how to be an entrepreneur.

You not only need training on how to market your business, but also how to sell to customer prospects once you get them. But the biggest factor is to get trained on how to think, act and be a successful entrepreneur.

HERE’S THE SOLUTION

We owned a business prior to starting a credit repair business. Therefore we already realized some of the pitfalls described above. We wanted to avoid the several reasons why credit repair startups fail. So, we found a credit repair business opportunity that offered solutions to these pitfalls.

This opportunity provides us the ability to save time because we don’t have to provide the service delivery. We have an expert team available to us that does that for us. And, they handle customer support far better and more efficiently than we could do for ourselves. They provide all the technology we and our clients need, and more! They allow us to go out and build a sales team all over the country so we do far more business than we could ever do ourselves. And, they’ve trained us on all aspects of the business.

And you know what? We initially invested less than $500 in our credit repair business! We now earn well over $100,000 working from home.

In a nut shell we are successful entrepreneurs because they provide everything that we couldn’t. It would take millions of dollars to do what they already have. And, we have been able to avoid all the reasons why credit repair startups fail.

If this sounds like a better way, contact us. We’ll show you the business. You can determine for yourself if this can help you be successful as well.

credit repair start ups fail

There you can read more about this credit repair business opportunity that will help you avoid the reasons why credit repair startups fail. We have a detailed video that will explain what you need to know. Then you can schedule a phone appointment to get your questions answered. We look forward to hearing from you.

Start a Business That Helps Others

According to Forbes, 70% of people hate their jobs. And ironically, 70% of Americans would prefer to be self employed. The question is, “what type of business should someone start?” Many want to start a business that helps others.

If you take a step back and look at the American society and economy you can see that a lot of help is needed for Americans today. It’s true that the unemployment rate has fallen steadily since 2010. And, generally the economy is in better shape. But the following is also true:

So, we’ve uncovered a few different ways to start a business that helps others. The most obvious is to educate and help the average American family understand the importance of saving for the future.

But in most cases it’s not just education regarding the need to save. Most families that don’t save will say they don’t have enough money. So, they must understand budgeting and debt reduction.

In addition, 68 million Americans have a poor credit score. This may cost them the most. With a low credit score they are spending far more than needed on interest payments on cars, homes and credit cards. By increasing their credit score the average person can save up to $200,000 and more in paying lower interest rates.

Further, 65% of Americans have no Will, and more don’t have a Living Trust putting their assets and family at risk.

Start a Business That Helps Others

These are areas of need that can be fulfilled by someone that wants to start a business to help others.

You may surmise that the underlying reason all of the above is happening is that the average American family isn’t making enough money. What if you could start a business that helps others by also showing them how to start their own home-based business helping others?

Think about it. You could have a business that helps others by offering services that educate them on how to save more of the money they earn. And, for those that want to earn more, you could show them how to start a business that helps others as well. And earn income from their business.

This is what we have been doing for the last 5 years. We have helped nearly 1,000 families get into a better financial situation. We’ve helped hundreds more start their own business to earn more income. And, we get paid on the production of those businesses.

We have changed our own financial situation dramatically. We also receive the gratification knowing that we help others every single day.

To Learn More About Starting a Business That Helps Others

Watch This Video

Then call us at (727) 222-0120 to talk about how you can start a business that helps others

Or visit Business Opportunity to schedule a phone appointment

Start a Business That Helps Others