Author: Stephanie West

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.

Start a Credit Repair Business for Under $500

This is an update to our previous blog post Start a Credit Repair Business on  http://eracreditservices.com/starting-a-credit-repair-business-for-under-500/

Start a Credit Repair Business for Under $500

If you want to start a credit repair business and already done a bit of searching on the internet you may have come to the conclusion that you basically have two options. The first is to piece together the infrastructure of your business by buying software to generate dispute letters, a website, contracts, training and other essential components. Or, you could purchase a credit repair franchise that presumably has everything you need to get started. We actually are going to provide you a third option to start a credit repair business below that solves a major challenge that the first two do not.

Start a Credit Repair Business

The Challenge in Starting a Credit Repair Business

Neither of the first two options overcomes the challenge of having enough time to not only find clients but also provide the credit repair service for those clients. Finding clients is a full time job by itself. Doing the work of credit repair is another full-time job. Therefore, the first two options come with limitations to the amount of credit repair business you can generate. To break through this limitation you’ll have to hire staff to go out and get the business or deliver the credit repair service to your clients, whichever part you do not want to do or are least skilled to do. More about this will be discussed below.

And here’s something else. When you get started and talk to your first sales prospects what are you going to say when they ask you about your track record, how long you’ve been in business, the results you’ve been able to achieve for previous clients?

Further, and perhaps most importantly, it is imperative to receive training on how to build a business. This is especially true if you have never started a business before. What if you could be trained by people that have already achieved significant success in building a credit repair business? Wouldn’t it make sense to duplicate what they have already done?

What Do You Need to Start a Credit Repair Business?

If you have searched around the internet you probably did a search for the following terms-

how to start a credit repair business

starting a credit repair business

credit repair business opportunity

credit repair business franchise

and terms very similar. What you most likely found are the types of opportunities mentioned above. Companies that provide pieces of the infrastructure, and others that offer a credit repair franchise.

Before you can decide on a company to work with that offers pieces of the credit repair business infrastructure you’ll want to understand what you’ll need. Here is a partial list of what it takes to start a credit repair business.

First off a web site is essential, of course. If you know how to use WordPress or otherwise can build a website, that’s great. Or, you can pay someone to set up the site for you. Either way you’ll still need to draft 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.

Another important element is giving your client online access to their account and the ability to check on the progress of their service, what items are being disputed, what items have been deleted, etc. This is essential to compete in today’s credit repair market.

You’ll need professionally designed marketing materials- brochures, flyers, videos, business cards, logo. Many companies today have quality videos about their credit repair service.

You’ll have to provide credit repair contracts for your state and other states if you want to do business outside your state. Note that if you want to conduct business outside your own state you’ll have to fulfill all the requirements in each state as you do with your own state.

You’ll need a dedicated phone line for sales and customer support. Using your personal phone for your business not be sufficient.

You’ll of course need to find training on credit repair law such as the Fair Credit Reporting Act and the Credit Repair Organizations Act, sales training, and training on building a business that can be done online and in person. Here’s list of states that require Surety Bonds

What Credit Repair Companies Provide Everything?

There are companies that provide a lot of the essential elements in getting your credit repair business s started. CreditRepair Cloud is one of those companies. The cost will range from $179 to $599 per month. But CreditRepair Cloud doesn’t overcome the big 3 challenges. You still have to do all the work of getting clients and delivering the service, you have no track record, and you get no business building training.

Credit Repair Franchise

Now you have the credit repair franchise option. We found three although there may be more.

CreditCRM has a start up of $24,995, Prime National $25,000, and Credit Dispute Pro $18,500. Assuming they provide everything you need which you would need to investigate, these costs might be justified if they also provided a household name that everyone recognizes. But that isn’t the case.

There is also a new company once called Credit Repair Nerds that has now changed their name to Credit Repair USA which is not a franchise. They consider you a licensee. According to a video on their website they’ve been bringing on licensees since March of 2015 and have about 90 such licensees. Licensing fees range from $999 to $4,500.

For each of these companies above you’ll have to check with them to see if they have registered with your state and followed through with state requirements such as a surety bond. If they have not you’ll have to provide that yourself. Even if they have you may be restricted to doing business just in your state.

The Company That Provides Everything to Get You Started in Credit Repair for Less Than $500

So, what if you could find a company that provided everything you need to get started as stated above?

And, did all the credit repair service work for you so your job would simply be to go out and get paying clients.

And, offered credit repair at one of the most competitive rates in the industry.

And, offered clients a satisfaction money back guarantee.

And, has been in the credit repair business for 12 years with stellar third party documentation.

And, did not limit you with geographical limitations. You can do business in any and all 50 states.

And, gave you the opportunity to develop an unlimited team of other Agents, and get paid on their business.

And, allowed you to offer other credit related services such as online credit monitoring, credit and identity protection though Lifelock, suggestions and solutions of positive trade lines for your clients, a Will and Trust, a service to help your clients pay off their bills faster, and more.

And, provided you with all their services potentially free and included up to $100,000 in term life insurance.

And, you could get started immediately for less than $500 plus $87/month. By the way, the $87/month is waived after you get your first 5 customers.

In addition to training that is second to none, you get one on one mentorship from someone who has built a business using the same system and is one of the top producers in the company.

If you’re serious about getting into the credit repair business this is not a hard decision.

ERA Credit Services can offer you the opportunity to be in the credit repair business, get everything listed above, and do it for less than $500 out of pocket start up costs. You can literally start today and begin earning money by the end of the day. We also 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?

If you are seriously interested in a career in credit repair and finding out more visit our website at http://eracreditservices.com/credit-repair-business-opportunity/ right now!

You can also visit www.protectionthatpays.com to watch a series of videos that will share with you details on our Protection Plan services including our industry leading credit restoration service, the background and track record of the company, the business opportunity including compensation, business development, training, and how to get started.

The Best Credit Repair Company in San Diego

This is an update to our previous blog post on http://eracreditservices.com/san-diego-credit-repair-how-to-choose-the-best-credit-repair-company-in-san-diego/ Best Credit Repair Company in San Diego

 

The Best Credit Repair Company in San DiegoBest Credit Repair Company in San Diego

After a search on Google, Bing or Yahoo in an attempt to find the best credit repair company in San Diego you have probably found several listings. Every one of them tells you they’re the best and most effective. Calling all these companies is very time consuming so here are some answers you want to get before proceeding.

A National Company vs. a Local San Diego Credit Repair Service

Which should you choose? It’s seems like it would be best to work with a local company. But many local credit repair companies are one person operations that have limited resources in their abilities and have no backup should something happen to that one person such as illness, vacation, closing their business and worse. What happens to your account and money? The national companies typically have poor or no personal customer service. And, what’s your recourse should you not get the results you’re looking for?

SolutionERA Credit Services is local and national. We have been providing credit repair services to San Diego consumers since 2012 and pride ourselves on giving the personal service you expect. However, we are also part of a national credit repair company with 13 years experience and phenomenal customer support. You have the best of both worlds. And, you get our Customer Satisfaction Guarantee that will be honored no matter what happens to us locally.

Pricing – Before you begin service with a credit repair company, whether it be in San Diego or any other city in the country, you should know there are 2 pricing models predominantly used in the credit repair industry.

Monthly fees – some companies charge a set up fee and then a monthly fee until they have performed the work of deleting items from your credit report. As a result of charging the customer a fee each month some companies slow the process and extend the length of time it takes to get results for the client. We get calls from people working with other companies that tell us they have been paying fees to a company for over a year, perhaps two years and still don’t have results.

Solution – we also have a monthly credit repair program for only $87/month with no set up fees. It addresses all negative or derogatory items immediately. We receive most of our business from real estate, mortgage and banking professionals that want credit repair for their clients as soon as possible. They expect us to perform quickly so they can close a transaction with the client they referred to us.

Pay Per Deletion – some credit repair companies charge when they have removed items from your credit report. In most cases they do actually charge an initial fee as well to give you an estimate of the charges once they have pulled your credit reports before you begin service. This may seem like a good way to go but they also typically charge between $25 per item up to $500 per negative item. The range in fee depends on the type of item. For example, an old charged off credit card might be $25. But a foreclosure or bankruptcy could be $500. But what you need to be aware of is that the charges are per item per credit bureau. So, you actually get charged $75 up to $1,500 per item. This pricing method can range from $2,000, $3,000 and up to $5,000.

Solution – In addition to our monthly program described above, we also give the client an option of a flat rate fee of $499.00 (discounts available for active duty military and couples) for the most effective and fastest credit repair results in the industry. It is all inclusive. All 3 credit bureaus (Experian, Equifax, and Transunion), an unlimited number of derogatory items, includes any type of item such as bankruptcy, foreclosure, short sale, liens, charge offs, medical bills, student loans, late payments and more. We work for you for up to a year if necessary and offer a Customer Satisfaction Guarantee.

How Can You Stay Informed About the Progress of Your Credit Restoration?

Most companies send and receive communication directly to and from the credit bureaus. You are not part of the process and therefore have no way of knowing what’s happening with your account.

Solution – Our first step is to analyze your credit reports for no additional fee and upload all your derogatory items to an online, password protected account. You can then log in 24/7 and see your items and then follow the progress of what items have been deleted, upgraded to paid as agreed, and what items remain for us to work on for you. You are not in the dark. You see us working for you every step of the way.

Trust the Professionals

For more information about the very best credit repair service in San Diego visit http://eracreditservices.com/credit-repair/

Home Based MLM Business Opportunity

Thinking about a home based MLM business opportunity?

Home Based MLM Business

In the movie ‘Steve Jobs’ there is a scene near the beginning that takes place in the 1980’s where the character is talking about how computers will be in every home and business people will be able to work from anywhere on the planet. Guess what? That’s exactly the situation we have right now about 25 years later.

It is very possible to start a home based MLM business, conduct business, and develop that into a highly successful and lucrative business from “almost” anywhere. Why “almost”? Because you still need to have affordable access to a cell phone for fast, one on one communication. So, let’s just say we’re still somewhat limited although some people have done this from Thailand, Tahiti and other exotic locations.

Of course, you still need infrastructure, product or service fulfillment and other key elements. That’s why an MLM business model is a good option to look at. Most of us realize that a home based MLM business has some stigma attached to it. That’s the old school MLM home businesses where you have to have parties and accost your friends and neighbors. I wouldn’t do that type of work from home either.

So what is the best MLM business out there today?

First let’s discuss, “what is an MLM business?” There are many varied definitions but the core factor they all have in common is that an individual can sell products or services and also develop a sales team that sells products and services. There are many other factors that may be perceived as positive or negative certainly, but consider the following.

What if you didn’t have to “recruit” your friends and family? What if you could make a nice income from just selling services and didn’t have to recruit anyone if you didn’t want to? What if you weren’t great at selling but could develop a sales team of great sellers because the company trained those people for you? What if you could contact people in other professions that had a huge incentive in referring customers to you? What if customers were truly customers and not people that signed up for an auto ship just to get vastly overpriced products at a just slightly better price? And, what if your sales team consisted of highly motivated people like yourself that truly wanted to develop a top MLM business?

Is a home based MLM business a good business? It’s a great business if you can find what I just described. And you can because we are working with such a company. This is our full time career and we are looking for motivated, professional individuals that truly want to find a home based MLM business opportunity.

Go to http://eracreditservices.com/credit-repair-business-opportunity and explore that web page. There is a thorough description and videos for you to watch. You’ll find a company you can be proud, and not hesitant for a second, to represent. Then give us a call. We’ll share with exactly how we built our business, and how we (my wife and I) work side by side building a highly lucrative business from our home near the beach in Florida. You’ll find our contact information on our website.

Start a Credit Repair Business

In the last few years over 1,100 people have contacted me because they have an interest in how to start a credit repair business. Most of these people are mainly focused on how to do credit repair, meaning the fulfillment of the service. They are less concerned with discussing how to start, build and maintain a credit repair business which is where I direct the conversation because that’s what they should be concerned with and asking questions about.

Start a Credit Repair Business

There are many issues to tackle when starting any business. Yes, you have to understand the fulfillment piece, in this case delivering results to the customer for credit restoration. But there’s much more to it. What about the state and federal laws, the technology used for fulfillment and marketing, the marketing and sales functions, the competition, and the cash flow?

Do you have a plan to start a credit repair business that encompasses all these aspects and more?

Ultimately it comes down to this question. Do you want to be an entrepreneur or a solopreneur? An entrepreneur is going to use their highest and best value to operate and expand a business. They are not going to perform all the functions of the business. They are going to utilize the efforts of other people that are appropriately positioned for the value they bring to the business.

A solopreneur is going to be in business for themselves but also by themselves. They are going to wear all hats. Sales, marketing, technology, fulfillment, customer service… everything. To attempt this in any business is a daunting task. In the credit repair industry it’s a recipe for failure.

Of course, even if your intention is to start a credit repair business and be an entrepreneur, initially you will most likely start it alone. Just know that setting up your credit repair business and then doing the marketing, sales and fulfillment yourself all take a great deal of time. There is typically not enough hours in a day to do all 3 especially if you want to start a credit repair business on a part time basis. And, it takes very different skill sets. That’s why you eventually want to bring on people that have skill sets and hours you don’t have.

Further, you want to understand what functions brings the most value to your client and to your business. In the credit restoration industry the fulfillment (credit report analysis, drafting dispute letters, and customer support) is the least valuable function with regard to what you can pay someone else to do that job. That’s an administrative function that you can pay and train people to do for a reasonable hourly wage. It does not take a college degree or a large amount of previous experience.

The functions that bring the most value to your business are marketing and sales.

To own and operate a successful credit repair business you have to know how to continually get lots of customers and how to sell to those customers. Yes, you can hire people to do this but you’re going to have to pay them far more than a reasonable hourly wage. Marketing and sales skills are honed with years of experience and people want to get paid well for that experience. This is the part you should do, not the fulfillment.

Our business model provides the fulfillment of credit repair services to the client. We have also prepared all the marketing pieces, a website, brochures, business cards, flyers, folder, product videos and more. We have the technology to keep your client, you and any referral source you’re working with updated on the progress for that client. We provide training on how to market and build a credit repair business. And, we show you how to sell credit repair to customers. You get one on one mentoring from someone who is already highly successful in the business.

I have recorded a video describing the 3 options to start a credit repair business. That video is located HERE. By watching this video you will understand what is necessary to work in this industry in each scenario. If ultimately the third option in this video makes the most sense for you watch the next video on that page then give us a call. We’ll discuss the hours and skills you have and design a business plan that makes sense for you.

Contact Dale

ERA CREDIT SERVICES IS AN INDEPENDENT AGENT FOR UNITED CREDIT EDUCATION SERVICES, A 501(C)3 NON PROFIT ORGANIZATION HEADQUARTERED IN FARMINGTON HILLS, MI.

Credit Repair Services Tampa

ERA Credit Repair Services Tampa

– We Just Had a Birthday!
Credit Repair Services TampaIt’s amazing how quickly a year goes by. ERA Credit Services just celebrated one year here in the Tampa Bay area. After taking San Diego and southern California by storm starting in 2012 and becoming the best of the best credit repair companies on the west coast, it was time to offer our credit restoration services in Florida.

Before we made this big decision we looked for credit repair companies in Tampa, FL. Not only that, but fast credit repair services in Tampa. Just as we discovered 4 years ago in San Diego, we didn’t find any. So, we set out to provide credit report repair services in Tampa.

But we looked further in all of Florida and saw that the entire state was in need of a reputable company with a lengthy track record and documented results for Florida consumers. So, we set our goals even higher to become the #1 Florida credit repair company.

So, today if someone that needs help removing derogatory items from their credit report to increase their credit score searches on Google, Bing or Yahoo for “credit repair services tampa”, as an example they’ll find us on page 1 most likely. That’s great and we are so thankful for the impact we have already made in the Tampa/St. Pete/Clearwater area.

This question may come to mind.

How can a credit restoration company come to Florida and surpass other companies that have been here for years?

The answer lies in our business model and how we provide service.

Most credit repair companies in Florida and around the country deal directly with the credit reporting agencies and bypass communication with the client. Not only is this not best for the client, but it does not follow the process outlined by federal law.

Our clients, including our Florida credit repair clients, receive an online account listing all the negative items affecting their credit score and can use this account to follow the progress. They are in the loop every step of the way. We also send correspondence to the client for their signature before it goes to the credit bureaus. This guarantees the most effective process and ensures that our client will receive updated credit reports directly to their home.

Perhaps the most important factor with regard to clients results and what allows us to be amongst the best credit restoration companies in the country is that we dispute every item for the client immediately. The fact is that most companies do not do this. They only dispute 1 or 2 items every 45 to 60 days which lengthens the process and fattens the fees they charge the client.

The fact that our goal is to remove as many items as possible as quickly as possible not only gives us the ability to provide fast credit repair services in Tampa, it allows us to work with real estate agents and brokers, mortgage companies and banks because they want the quickest credit restoration results for their clients as well.

So we say thank you Tampa, St. Petersburg, Clearwater and Largo. You have recognized our efforts to become the best Florida credit repair company. We will continue to work hard to earn and keep your trust.

ERA Credit Services is an Independent Agent for United Credit Education Services, a 501(C)3 non profit organization headquartered in Farmington Hills, MI.