Category: Credit Repair

Affordable Credit Repair Tampa

Affordable Credit Repair Tampa

When looking for a professional to increase your credit score you want affordable credit repair Tampa. But you should also expect value. ERA Credit Services provides both.

ERA Credit Services
in Clearwater is backed by a track record since 2004, and an A+ rating with the Better Business Bureau. They provide their clients with online access to their account, and a review of information being sent to the credit bureaus.

In addition, ERA Credit Services also makes recommendations as to what you could also do to increase your score. They protect your identity with Lifelock®. And give you online access to your credit scores and credit reports so you monitor the progress of your score.

Affordable Credit Repair Tampa

Central Pinellas Chamber of Commerce MemberIf you’re looking for affordable credit repair Tampa with the best value, look no further. Once you are a client they obtain copies of your credit reports. They run an analysis and find all items that are negatively impacting your credit score. Then they address all items immediately with all 3 credit reporting agencies Experian, Equifax, and Transunion. In approximately 45 days you will receive updated credit reports from the 3 agencies. That’s fast!

If you want fast and also affordable credit repair Tampa, this is the company to call. They will provide you with a no cost, no obligation phone review. Their experts will tell you exactly what credit repair is and what it does. Then they will walk you through every step of the process.

To get started with affordable credit repair Tampa it’s only $188 then just $89 per month for the Protection Plan. The Protection includes information on how to build the highest credit score, identity theft protection, online credit monitoring, an online budgeting tool, credit attorneys, and of course the most affordable credit repair Tampa.

When real estate and mortgage professionals have clients that need to increase their credit score they refer those people to ERA Credit Services. Call today (727) 222-0120. Or email info@eracreditservices.com.

ERA Credit Services is an independent agent for Financial Education Services and United Credit Education Services, a 501 c3 non-profit organization.

Tampa Credit Repair Agencies

When searching for Tampa credit repair agencies you’re going to have a lot of choices. You can take the easy route and call the first one listed on Google. Or, if you know what to look for, you can take an extra few minutes to visit the company website and determine if the company has the key factors of a great company.

What are the keys to a company providing the best credit repair services in Tampa? And, what questions should you ask when contacting Tampa credit repair agencies?

– How long has the company been in business? Central Pinellas Chamber of Commerce Member
– Do you have the opportunity to talk with someone that can explain the law and process of credit repair to you? Or, are they just trying to get the sale?
– Can you see credit repair services reviews on their website or Yelp page?
– Do they work with real estate agents, mortgage brokers and banks in the Tampa area? This is a key indicator. If professionals in these industries trust them to help their clients that’s a good sign.
– Are they knowledgeable and do they explain the process to you?
– Do they ask you about your situation and explain how they can help YOU. Or, is it a one size fits all approach?

Questions You Should Ask

– Will they challenge all the negative items right away? That’s what you want. Or, do they drag it out costing you time and money?
– Do they educate you about what makes up a great credit score and make recommendations on what you can do to help raise your credit score as well?
– Will you have online access to your account so you can monitor your progress?
– Can you see what items they are handling for you and when?
– Do they provide live Customer Support that you can call and ask questions?
– Does the company give you with online access to your credit reports and credit scores so you can see what’s happening with your score?

What do Tampa Credit Repair Agencies Charge?

For every one of the Tampa credit repair agencies you call it’s going to be very different. There is typically a start up fee to get your account going. But if you’re paying $100 or more per month, that’s too much. In addition, if you have to sign a contract beware. That typically means that you’ll be locked into a specific time you’ll have to pay for their services. The time it takes to repair your credit will vary based on your situation. It could take as little as 60 days so don’t sign anything that forces you to pay for any length of time.

For experienced and knowledgeable credit repair service in Tampa and the Tampa Bay area call us at ERA Credit Services. We provide a no obligation, very informative phone consultation. You’ll know exactly how credit repair works under federal law. And, you’ll know if credit repair is going to work for your specific situation.

We have been in business since 2004 and are backed by an A+ BBB rating. We provide a Customer Satisfaction Guarantee. Professionals from Keller Williams, BB&T Bank, Charles Rutenberg Realty and many others confidently call upon us to assist their clients.

Visit Best Tampa Credit Repair Services to learn more or call us at 727-222-0120.

Tampa Credit Repair Agencies
Central Pinellas Chamber Affinity Program Announced

Central Pinellas Chamber Affinity Program Announced

The Central Pinellas Chamber of Commerce
& ERA Credit Services
Affinity Partners for Financial Services

Largo, FL- The Central Pinellas Chamber of Commerce Executive Committee has approved a new Affinity Partner Program with ERA Credit Services. ERA Credit Services is an independent Agent for Financial Education Services (FES). FES provides solutions to increase consumer credit scores, protect assets, and help consumers save money.

ERA Credit Services has an office in Clearwater and has been a Central Pinellas Chamber of Commerce member since 2015. Principal of ERA Credit Services, Shirley Guiducci, is Co-Chair of the Women’s Leadership Committee.

Through this new Affinity Program, ERA Credit Services will offer the Protection Plan Membership. The Protection Plan provides 12 services for consumers. 6 of these services combine as a powerful credit centric solution to restore, increase, monitor and protect a consumer’s credit score. Also included in the Protection Plan is a Will, Living Trust, & Medical and Financial Powers of Attorney.  In addition there is a service that alerts loved ones of the location of important documents, accounts and assets. And, there are services that help consumers save on Insurance, Travel, Prescription Drugs and Online Shopping.

Discount for Central Pinellas Chamber Members

There are approximately 25,000 Protection Plan Members nationwide. Both the Central Pinellas Chamber of Commerce and ERA Credit Services are excited to introduce this program at a discount. The $99 one-time activation fee will be waived for Chamber members, their employees, family and friends. The Protection Plan Membership is only $89/month. By utilizing the money savings services offered in the Protection Plan, Central Pinellas Chamber of Commerce members can save more than the monthly cost of the program.

Donation to
the Central Pinellas Chamber of Commerce

By enrolling in the Protection Plan, Chamber Members are also giving back to the Chamber. $12/month of each membership is being donated to the Central Pinellas Chamber of Commerce by ERA Credit Services.

For further information contact Shirley and Dale Guiducci at ERA Credit Services.
Phone- 727-222-0145 Dedicated phone line for Chamber members
Email- centralchamberaffinity@gmail.com
Website- www.centralchamberaffinity.biz

Tampa Credit Repair

Tampa Credit Repair – A Complete Plan to Increase Your Score

If you face challenges with your credit score such as not qualifying for a loan, you may search online for a solution and call a Tampa credit repair company. All credit repair companies will attempt to remove negative items from your credit report. Some will do a better job than others. But credit repair alone will not give you the maximum increase in your credit score.

Your credit score is not just based on negative items on your report. You need a total plan that will impact every aspect of your credit score. First, we analyze your reports with all 3 credit bureaus (Equifax, Transunion, Experian). Then we provide you with a plan to increase your credit score that includes our A+ Better Business Bureau rated credit repair service to maximize your credit score.

This plan is called the Credit Protection Plan. We start with credit repair. We’ve been a top rated credit repair company since 2004. We have become the company of choice for real estate companies, mortgage companies and banks for Tampa credit repair.

Companies such as Keller Williams, Evolve Bank & Trust, Charles Rutenberg Realty, Cadence Bank, and American Express Open all send their clients to us to improve their credit score. We are also proud members of the Central Pinellas Chamber of Commerce.

The Tampa Credit Repair Protection Plan

Central Pinellas Chamber of Commerce MemberThe plan starts with you own 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 Tampa credit repair companies that want to prolong your service with them.

But we don’t stop there. You need to see your credit score and be able to access your credit reports online 24/7. How else will you know if credit repair is working? We provide that to you on day one.

But what about other steps you can take to increase your score? We give you steps to take that will optimize your credit score. This knowledge will help you for the rest of your life so you can always have the best credit score possible.

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? We teach you how that affects your credit score and give you a plan to pay down then 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.

Then we make sure your family and assets are protected by giving you a Will, Living Trust and medical and financial Powers of Attorney. Everyone needs these vital documents but less than 20% of people have them.

How About a Credit Repair Plan That Helps You Save Money?

Would you like to save some money on purchases you currently make anyway? Of course! Because of the number of clients we have, we can give you buying power. We can save you money with online shopping, travel, insurance, and prescription drugs.

This is a full credit score and money savings plan of action. If you like to know more click below.

tampa credit repair

 

San Diego Credit Repair

San Diego Credit Repair

San Diego Credit Repair – A Complete Plan to Increase Your Score

If you face challenges with your credit score such as not qualifying for a loan, you may search online for a solution and call a credit repair company. All San Diego credit repair companies will attempt to remove negative items from your credit report. Some will do a better job than others. But credit repair alone will not give you the maximum increase in your credit score.

Your credit score is not just based on negative items on your report. You need a credit score plan that will impact every aspect of your credit score. 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.

The San Diego Credit Repair Protection Plan

We call this package of services the Protection Plan. We start with credit repair. We’ve been a top rated San Diego credit repair company since 2004. We have become the company of choice for real estate companies, mortgage companies and banks for San Diego credit repair.

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.

But we don’t stop there. 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? We give you that.

But what about other steps you can take to increase your score? We give you a plan of action 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.

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? We teach you how that affects your credit score and give you a plan to pay down then 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.

Then we make sure your family and assets are protected by giving you a Will, Living Trust and medical and financial Powers of Attorney. Everyone needs these vital documents but less than 20% of people have them.

Would you like to save some money on purchases you currently make anyway? Of course! Because of the number of clients we have, we can give you buying power. We can save you money with online shopping, travel, insurance, and prescription drugs.

This is a full credit score and money savings plan of action

san diego credit repair

 

New York Credit Repair Business

According to statistics there are well over 2 million consumers in the state of New York that have a 599 credit score or lower. That means that many people in New York that would like to purchase a home cannot qualify for a mortgage due to credit score alone. Therefore, if you desire to start a business, a good option is to start a New York credit repair business.

New York Credit Repair Business

However, state and federal government laws and regulations along with competition from large, experienced companies make it very difficult to start a New York credit repair business on your own. In addition, as an entrepreneur beginning a “start up” venture, you have to do everything yourself including having a minimum $10,000 to invest in your business to do it professionally and legally. So, what’s the alternative?

Start a New York Credit Repair Business
with ERA Credit Services & Partners

Here are some of the advantages of becoming an Independent Agent with us:

Leverage the infrastructure and service delivery capabilities of a national company that is accredited at the highest level with the Better Business Bureau and the National Association of Credit Services Organizations.
Be a part of a company that has already been in business since 2004 allowing you to utilize our experience and stellar reputation.

No need to go through state and federal regulations and requirements because we have already satisfied all regulations with the state of New York and all 50 states, and federal FTC regulations. So you could start doing business immediately.

Learn how to start a New York credit repair business and build a successful business throughout the state and country by taking advantage of our online and offline training program.

And, you could start a New York credit repair business for $512.00

This opportunity is available now. We would like to talk with you after you do some research on your own to see if this is a good fit for you.

We will teach you exactly what we did to build this business. We are looking for serious entrepreneurs to start working with us on a part-time basis and move into a full time career. Or, those who want to begin a lucrative and rewarding business right away.

You’ll also have the opportunity to leverage our experience and learn how to build a successful New York credit repair business. We have developed our credit repair business in many areas across the country and we are looking for someone to start a New York credit repair business.

If this is of interest go to http://eracreditservices.com/credit-repair-business-opportunity/ and watch the videos located here. The first video will explain the types of business models in the credit repair industry giving the attributes of each. The second will give you detailed information on our credit repair business model and company.

Then you’ll see how to book a phone appointment with us on the date and time you choose. We look forward to talking with you.

Credit Score Basics – How to Get a Good Credit Score

The first step in learning the credit score basics is to learn what makes up a credit score. Although each credit bureau uses a somewhat different scoring model (FICO, FICO II, Vantage) what constitutes a credit score is represented by this infographic:

Credit Score Basics
What Makes Up a Credit Score

When people want to improve their credit score they mostly focus on removing derogatory or negative accounts from their credit report. They may try it themselves. Then after little or no results they call a credit repair company for help. Credit repair, or what we call credit restoration, is a good thing to do. Removing derogatory accounts will increase your score.

Obsolete Accounts– accounts older than 7 years from the date of last activity should be deleted automatically but sometimes they are not. We use federal law to get these items removed for you.

Accounts with Erroneous or Outdated Information– If these are negative accounts, removing them will increase your score. We also use federal law do get these items updated or removed.

Unverifiable or Unverified Accounts– These are accounts that the creditor of record cannot or chooses not to verify. These items will be removed via federal law if challenged in the correct manner.

Our company has been providing the fastest, most effective results in the credit repair industry since 2004.

However, that only impacts 35% of your credit score. There are other credit score basics to learn.

We can help you in every area of your credit score basics

Therefore, we provide other services that impact 100% of your credit score.

Let’s tackle the next biggest percentage, your amounts owed (30%)

If you can pay down the amounts you owe to 30% of your credit limit that will increase your credit score. For instance, if you have a credit card with a $1,000 limit, pay down the balance to $300.  You may not think you can based on your budget but we have an online budget and debt payoff tool that will show you how to pay these accounts down. And, it will show you how to do that with the same amount of money you currently spend on your bills.

Next, the Types of Credit and New Credit (20%)

Sometimes it’s hard to understand that if you don’t have the right types of open credit accounts (revolving, installment) such as a car loan, mortgage, and credit cards you can’t have an optimum credit score. In other words, you have to have credit to have a good credit score. And you need new credit from time to time especially if you do not have enough open lines of credit.

We help people establish new lines of credit with a secured credit card program from Synovus Bank and a program that will add a positive rental history to your Transunion credit report. And, we will make other recommendations to you as well.

Lastly, Length of Credit History (15%)

This one just takes time. We have to get you the right types of credit, remove negative items, and let it season. Over time your credit score will go up based on the length of credit history.

Dale Guiducci is the owner of ERA Credit Services offering credit repair in San Diego and credit repair in Clearwater, FL and credit repair in Tampa, FL. ERA Credit Services is an Independent Agent for Financial Education Services (FES) which has an A+ rating and is accredited by the Better Business Bureau. Mr. Guiducci is also a Vice President with Financial Education Services and trains new Agents for FES on a national level.

Market a Credit Repair Business Using Social Media

There are many ways to get the word out and attract customers to market a credit repair business. These techniques are really no different than any other business. But many times credit repair businesses are owned and operated by solopreneurs, those that are running their business by themselves. Therefore, time and expertise is limited.

market a credit repair business

Market a Credit Repair Business

Word of Mouth- Everyone you know needs to know you’re in the credit repair business.

Referral Sources- Make contact with those professionals in real estate, mortgage, banking, auto and solar businesses. These people run talk with people that need credit repair every day.

Business Networking- Get out in the community and go to networking meetings that are attended by local business professionals from many industries. Consider joining your local Chamber of Commerce.

Advertising- Run ads on Google and other search engines, use signs, car magnets. It can be expensive and time consuming to advertise on the internet. You need expertise and have the time constantly monitor online advertising.

Blogging- This is a great way to get exposure and drive traffic to your website.

Social Media- Whether you personally like social media or not, using it to get exposure, drive traffic to your website, and attract customers to market a credit repair business is a must.

You either have to learn different social media platforms or hire someone to do it for you.

Here are the different social media platforms, the primary purpose of each and what each is best used for.

Market a Credit Repair Business
Social Media Platforms for Marketing a Credit Repair Business

There are keys to doing it correctly. These keys will alter a bit depending on the platform you use.

Posting on Social Media

You must be consistent in order to attract people and build your brand. Posting on social media is not ALL about your business. You want to give before you get by educating people on credit. You want to show people that you’re a real person by posting about your family, lifestyle and interests.

Types of posts you want to be consistent with-

The Services You Offer
Free Information, Education About Credit
Lifestyle- Posts about yourself and family
Motivational posts- quotes, inspirational images and videos
Business Activities- Images when attend a community meeting, visit a real estate office, do a seminar, etc.

As you can see social media can be time consuming. First, you have to learn it. Then you have to carve out time every day to do it. You also have to look at other forms of exposure as listed above because social media will take some time to develop a following. Then, of course, you have to run your business.

But what if all you had to do was attract customers? The infrastructure of your business was already in place and the service of credit repair and other services to increase a client’s credit score was being handled by a staff. That would be great, right? Then you could concentrate on attracting more customers, building a bigger business, and making more money.

If you’d like to learn about a business model that allows you to focus on getting customers and building a nationwide business, visit http://eracreditservices.com/credit-repair-business-opportunity

Dale Guiducci is the owner of ERA Credit Services along with his wife Shirley. ERA Credit Services has offices in El Cajon, CA and Clearwater, FL. Dale is a Vice President with Financial Education Services and trains other independent FES Agents around the U.S..

Credit Repair in Florida – What You Need to Know

You need to know the right questions to ask when you’re looking for credit repair Florida.

Credit Repair Florida

  • Most credit repair companies do not address all your items immediately. They only work on one or two derogatory items every 60 days. They extend the process intentionally so that you end up paying a monthly fee for several more months than is necessary.
  • Most credit repair companies in Florida do not involve you in the process. You do not see what’s being addressed, how they are addressing these negative items, or when they are doing it. They do not show you the items being disputed.
  • Unless you have a way of checking your credit reports and credit score on your own you do not see the impact of their work real time. Therefore you don’t know if what they are doing is working for you.
  • Lastly, credit repair Florida companies in cities like Tampa, St. Pete, Clearwater, Jacksonville, Orlando and Miami only do credit repair and do not help you with other ways to increase your credit score as well. Credit repair is a great service if done correctly. But it isn’t the only way to increase your credit score.

So, you have two choices. You could call several credit repair Florida companies and interview them. You now know the questions you should ask them.  See if you can find one that disputes all items right away. That doesn’t charge you a set up fee. Try and find a Florida credit repair company that will keep you informed and give you real time access to your credit scores and credit reports. Ask if they provide other services that will increase your credit score as well.

Credit Repair in Florida – A Full Service Credit Repair Company

Or, you could simply make one phone call to ERA Credit Services at 727-222-0120 for credit repair anywhere in Florida. We are an independent agent for United Credit Education Services that is accredited by and has an A+ rating with the Better Business Bureau.

  • Talk to a company that will fully explain the process to you right over the phone.
  • Your service starts immediately for a one time fee of $99.00 & your first monthly payment of only $87.00
  • We address all your derogatory items immediately insuring you’ll get the fastest results possible.
  • We give online access to all the information about your account. To see the account you’ll get click ERA Credit Services Protection Plan
  • You’ll receive correspondence about the negative accounts we’re working on for you so you know what items are being addressed.
  • You’ll have access to your credit scores and credit reports that is updated real time.
  • We also will provide other powerful services to increase and protect your score.
  • And, we provide you with knowledge about credit so you can maintain a high score in the future.

All for only $89/month with no contract and no minimum time on service.

Make one phone call for credit repair in Florida to ERA Credit Services (727) 222-0120

ERA Credit Services is backed by over 12 years of experience in the industry and an A+ rating with the Better Business Bureau. We are also certified by the National Association of Credit Services Organizations.

credit repair Florida

Not Just Credit Repair, Credit Restoration

Credit repair, the process of utilizing federal law to remove inaccurate, erroneous and obsolete items from a consumer credit report, has been around for decades. However, the industry is evolving. And our company is leading the way. We offer not just credit repair, we offer credit restoration.

Not Just Credit Repair

Credit Repair vs. Credit Restoration

What’s the difference? Credit scores are based on a number of variables. Therefore there are other ways of helping a consumer increase their credit score. We look at a client’s credit history and make recommendations of perhaps opening new trade lines or accounts that will positively affect their score. Paying down existing balances can have a dramatic affect on scores.

Not just credit repair, credit restoration

We educate clients and give them tools to help maintain and protect their credit as well as their identity, family, and finances.  We offer an array of services called the Protection Plan. And, we charge less than other companies charge for credit repair alone. It’s just $89 per month with one time account set up fee of $99.

Even if you just compare our credit repair service against others we have some big differences. We attempt to remove all derogatory or negative items immediately. Other companies slow the process down only so they can charge the client more fees.

We also provide our clients with online credit monitoring and identity theft protection with LifeLock. It’s all part of the package for the same price other companies charge for a slower credit repair process.

All of this is why major real estate brokers, mortgage companies, and banks choose to work with us so their clients get the best and fastest results possible. They choose us because they are looking for fast results for their clients. The choice is clear. If you need to increase your credit score, get in touch with us today!

Not Just Credit Credit