Category: Credit Repair

Tips to Raise Credit Score

Tips to Raise Credit Score

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

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.

Positive Accounts

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.

Certified Credit Repair Tampa

Consumer Information

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
accredited credit repair Tampa

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.

For certified credit repair Tampa give us a call at (727) 222-0120 or visit

Certified Credit Repair Tampa
Buy Seasoned Tradelines

Buy Seasoned Tradelines

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.

We are experts in this field and are backed by over 14 years of experience. Visit

Buy Seasoned Tradelines

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.

For more information and to buy seasoned tradelines call us at 727-222-0120 or visit

Healthy Credit Score – The Vital Sign of Your Financial Fitness

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.

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.

Now, everything we need for financial fitness is all in one place with one membership for just $89/month. And, it’s simple. You log into an online account and all these services are waiting for you. Plus there are videos to explain each.

Now financial fitness is as readily available as physical fitness.
But just like physical fitness it requires focus and discipline.
Are you ready to get focused?

Healthy Credit Score – The Vital Sign of Your Financial Fitness
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

certified credit repair Tampa

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

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!
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 –
  • 69% of Americans have less than $1,000 in savings and 49% of those people have no savings at all –
  • 49% of Americans are living paycheck to paycheck –
  • 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

First Time Home Buyers with a Low Credit Score

First time home buyers with a low credit score can purchase a home. However, it depends on how low the score is. FHA guidelines for first time home buyers allow a credit score as low as 580 with a 3.5% down payment. For those with a lower score the guidelines call for a 10% down payment.

However, even though the FHA has these guidelines lenders don’t typically follow them. They require as high as a 640 credit score to get the 3.5% down payment. The reason lenders require a higher down payment is that the FHA penalizes them for too many bad loans. Therefore lenders are protecting their ability to offer FHA programs long term.

First Time Home Buyers Low Credit Score – Reasons

There’s more than one reason why someone may have a less than 580 credit score. Younger people simply may not have established enough positive credit. They have clean credit report but not enough on the credit report. This person would be wise to use an FHA loan to purchase a home if they have the income.

Some people that have a sub 580 credit score have a lot of negative items. They may have just fallen on bad times in the past. This person should go through the process of repairing their credit. This would increase their score and lower the interest rate on the loan.

However, there is a category of people that need to budget themselves first. Diving into a $200,000, give or take, mortgage when they are struggling to pay bills now is not a good move. They need to stabilize their financial situation before taking on further debt. This is true even if their mortgage payment is less than their rent payment. If you don’t pay your mortgage you can lose your home.

If you fall into any of these 3 categories we can help. We have services to help people build credit, remove negative items from their credit report, and budget themselves and otherwise stabilize their finances.

Call us on the East Coast at (727) 222-0120
Call us on the West Coast at (619) 492-3040
or visit us at 

First Time Home Buyers with a Low Credit Score
How to Qualify for a Mortgage

How to Qualify for a Mortgage

As of the writing of this post the real estate market is as hot as it’s been since 2007. Many consumers are looking to purchase a home soon because they anticipate that prices will continue to go up. However, many that want to buy a home cannot qualify mainly due to credit score. The most important factor in learning about how to qualify for a mortgage is a credit score.

This issue not only affects the prospective buyer, but also the real estate or mortgage professional that is assisting them. Most people in these industries realize that the first thing they must do is ascertain if the prospect can qualify. In most cases, if they cannot, it’s due to a credit score issue or other issue involving their credit report.

Working with Real Estate & Mortgage Professionals

Many real estate and mortgage professionals have realized that spending their time to advise a person how to clean up their credit report is time consuming.  And, a lot of time it doesn’t lead to a closed escrow because their client doesn’t follow through on their own.

That’s where we come in. We do nothing but help consumers increase their credit score. And, we have several ways of doing it. Although credit repair is a great step, it is not the only step to be taken. By referring their credit challenged clients to us real estate and mortgage professionals can continue to work on their low hanging fruit, those buyers that can qualify right away. They don’t have to teach their prospect how to qualify for a mortgage.

We work with their credit challenged client and keep the real estate agent or mortgage broker informed of their clients progress. When we do get a client to that 640 score, or the score needed to qualify, we remove any remaining disputes to avoid any issue in underwriting.

We’ve been doing this since 2004, have an A+ BBB rating and are certified by the National Association of Credit Services Organizations (NACSO). We work in all 50 states and currently work with some of the biggest names in the real estate, mortgage and banking industries.

qualify for a mortgage

Repair Credit Now – Fast & Effective

Repair Credit Now – Fast & Effective

Today our credit score is like a vital sign of our financial health. A low credit score can cost thousands of dollars in higher interest payments and deposits. And, can prevent us from buying a home, refinancing a home and generally moving our lives forward. So what can we do? What most people don’t know is that they can repair credit.

Certainly people can repair credit on their own. Just as they can represent themselves in court, paint their own home, or install their own carpet. The credit bureaus would like you to think that you can repair credit directly through them yourself. But most that attempt it aren’t successful because it requires expertise. It must be done via the Fair Credit Reporting Act. If it is not, the credit bureaus can reject it outright.

That’s where a professional credit repair company with years of experience and legal expertise comes in. Our company has helped over 250,000 clients since 2004 repair credit. We are experts at removing derogatory items from a consumer’s credit report.

However, we also educate the client on what they can do to increase their score as well. This knowledge will benefit them for the rest of their lives. In addition, we protect a client’s credit score with identity theft protection. We provide our clients with real-time online credit monitoring so they can see the progress of their credit score.

Our clients see results in most cases in as little as 60 days. We continue to repair credit until they have reached their ultimate credit score.

What consumers need to understand is that their credit score won’t fix itself. If they have the time to learn how to repair credit themselves then that’s what they should do. However, if they want a professional to repair credit for them for a one-time activation fee of $188 and just $89/month, then they need to call us.

repair credit

Repair Credit Now – Fast & Effective