Category: Credit Repair

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Accounts with Erroneous or Outdated Information– If these are negative accounts, removing them will increase your score.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.

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 is an Independent Agent of Financial Education Services (FES) and 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.
  • The majority of Florida credit repair companies charge you an up-front fee for setting up your account which is unnecessary and simply a way to add to their profit.
  • 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.
  • We do not charge set up fees. Your service starts immediately for 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 $87/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.

ERA Credit services is an independent Agent for United Credit Education Services, Farmington Hills, MI

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 $87 per month with no set up fees.

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 try to slow the process down only so they can charge the client more fees.

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. For more information visit http://eracreditservices.com/the-ultimate-credit-package/

*ERA Credit Services is an Independent Agent for Financial Education Services and United Credit Education Services. Financial Education Services and United Credit Education Services provides all services to our customers.

Does Credit Repair Work?

Many consumers want to know if credit repair really works.

Does Credit Repair Work?Does credit repair work? Yes, it does. Or, more correctly stated, credit repair can work depending on many factors regarding the specific account(s) on a consumer credit report. In fact, the process of credit repair is dictated by the Federal Trade Commission in a law called the Fair Credit Reporting Act. The premise of this law is that creditors must verify the accuracy of the information they’ve previously placed on a consumer credit report.

Because this is a federal law, credit repair works for consumers in all 50 states. Therefore a consumer seeking credit repair in Tampa has the same rights under federal law as a consumer seeking credit repair in San Diego.

To learn the answer to the question, “does credit repair work?”, it’s vital to understand how credit repair works.

When a creditor places information on a consumer credit report there’s a chance the information is incorrect or will become outdated and incorrect over time as the status of the account changes. If the creditor doesn’t fix or update the information there must be a mechanism for the consumer to challenge that information and have it corrected. One of the main purposes of the Fair Credit Reporting Act is to give the consumer a resource and process to follow to have the information corrected.

In this process the creditor is under obligation by federal law to validate the information they have previously placed on a consumer credit report. If the account listed is erroneous or inaccurate the creditor must correct it. If the account is obsolete (more than 7 years from the date of the last activity or 10 years in the case of a bankruptcy) the item must be removed by the credit reporting agencies (Experian, Equifax, Transunion).

Here’s the key to understanding that consumers can potentially have items reported within 7 years removed as well.

If the creditor cannot or does not verify the information previously reported on that account within a 30 day period, the federal law requires that the credit reporting agency remove that account from the consumer’s credit report regardless of the age or status of that account.

What are some scenarios where the creditor cannot or does not verify the information previously reported?
– The creditor no longer is in business
– The creditor has sold the account to a collection agency and that collection agency does not have the complete or accurate information on the account
– The account is old (even if not yet 7 years old) and the creditor cannot locate the information or chooses not to
– The outstanding balance has since been paid, and therefore the creditor has no incentive to respond to the inquiry from the credit reporting agency

Does this mean that all derogatory or negative items will be deleted from a consumer credit report through the credit repair process? Certainly not. Here’s what will be:
1- Erroneous accounts
2- Obsolete accounts
3- Those accounts that the creditor does not verify as accurate when contacted by the credit reporting agency when that item is challenged

Credit repair is not a panacea or fix for all past credit problems of a consumer. But by going through this process it can clean up a consumers report and increase their score. It may give them enough of a credit score increase to qualify for a purchase and simply look more credit worthy to a future creditor.

Consumers considering this process should consult a professional company that has a successful track record and an A+ Better Business Bureau consumer rating. They should also seek a company that will educate them and make specific recommendations on what they can do to increase their score and keep that score as high as possible in the future.

Dale & Shirley Guiducci are credit repair professionals and owners of ERA Credit Services. ERA Credit Services is an independent agent for United Credit Educations Services and Financial Education Services headquartered in Farmington, MI.

Contact Dale & Shirley
East Coast (727) 222-0120
West Coast (619) 492-3040
info@eracreditservices.com
or visit www.eracreditservices.com

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.

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/

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.
Paying Monthly for Credit Repair?

Paying Monthly for Credit Repair?

If you are paying monthly, or are considering paying monthly for credit repair, this is great information for you. Credit repair or credit restoration, as we like to call it, is the process of removing obsolete, erroneous, and other items that the creditor does not verify as listed accurately on a credit report, from that credit report. The result of going through this process in most cases is an increase in a credit score, sometimes a significant increase.

You, as a consumer can go through this process yourself. That is how the law is set up. However, it is not as simple to Paying Monthly for Credit Repairdo as the credit reporting agencies (Experian, Equifax, and Transunion) make it seem. First, you’ll need to have a copy of your credit reports. You can receive a free credit report from all three credit bureaus at www.annualcreditreport.com

Ultimately, if you decide that you do not have the knowledge, expertise and time to go through this process on your own you can enlist the services of a company to do it for you. Presumably a company that focuses on providing credit repair for consumers has a much better chance of success with the process in addition to saving you time.

How companies charge for their credit repair services and why.

The majority of companies in this industry charge monthly fees to provide the service. The intent by these companies is to make it appear more affordable. However, in many cases it can be more costly.

Most credit repair companies that you pay monthly for credit repair will not dispute all of your derogatory items immediately.

They will only dispute a small percentage of them initially. The process of contacting the credit reporting agencies, then those agencies contacting the creditors reporting those derogatory items, and getting a response back takes about 45 days. However, in most cases you will not be made aware of this time frame nor will you have access to information about how many items are being addressed, or when this first process has ended. It’s quite possible that the credit repair company may choose to take much longer to go through this first phase of the process.

The credit repair company hopes to provide some level of success so you will continue to pay the monthly fee. But if they don’t have any success initially how will you know? Then the credit repair company will address the items that were not removed initially, and address more remaining items, but not all. By the time they address the next set of items you could be going into your 4th month of service. This process is repeated over and over again until all items are eventually addressed.

Credit repair companies charge a wide array of monthly fees ranging from typically $60 per month to over $100 per month. These companies also typically charge a set up fee. Usually the higher the set up fee the lower the monthly fee, but not always.

Contracting a company to provide you with credit repair in this manner can cost well over $1,000 and take a very long time, a year or more. But there is an alternative!

Our company addresses all items immediately. Our goal is to remove as many items as possible and increase your score as quickly as we can.

The reason we do business this way is because, in addition to working directly with consumers, we also have relationships with companies in industries that need credit worthy clients such as real estate, mortgage, banking, automobile dealers, solar companies, and more. In order to help them get people qualified to purchase through these companies and their agents we have to perform quickly. We have to show these companies that we can get a client of theirs in a position to buy from them as soon as possible.

We also report everything we’re doing to our customers though an online portal that we set up usually within 24 hours of the customer starting with us. You’ll see every derogatory item you have with all 3 credit bureaus and can follow the progress including dates of when these items are addressed. We also send you the correspondence that goes to the credit agencies. You are informed in every step of the process.

Paying Monthly for Credit Repair – Our Program

Our monthly fee program is $89.00 per month after a one time activation fee of $99.00. Your first payment to us is $188.00. However, with our monthly program we also offer online credit monitoring so you can see the change in your credit score and credit report 24/7. We also provide identity theft protection through LifeLock and additional services as well. And remember, we dispute all your items immediately. All for $89.00 a month.

Give us a call. We’ll discuss your specific situation and walk you through how it all works free of charge. You can choose which payment option is best for you. Then you can monitor everything we’re doing for you 24/7.

We have offices in San Diego, CA and Clearwater, FL. However, we work with clients from all 50 states.

Give us a call today! Or, fill out the contact form on our website and we’ll call you.

http://eracreditservices.com/the-ultimate-credit-package/

www.creditscoresandiego.com

www.clearwatercreditrepair.com

www.creditrepairsandiego.com

Financial Peace of Mind – A 10 Point Plan

We get so caught up in the process of earning income to pay our bills, that we don’t take the time to protect the very valuable assets that what we have and the people in our lives such as our identity, credit, children, spouse, and plans for retirement in our to have financial peace of mind.

It may take a life changing event such as marriage, divorce, or birth of a child to assess what type of protections we have in place for our future. This is a NO BS 10 Point Plan to protect what you have and plan for the future.

Financial Peace of Mind

Here is a 10 point plan to gain overall financial health and financial peace of mind

1. Know your Credit Score
Today our credit score is like a vital sign of our overall financial health. A low credit score can impact paying higher interest rates & insurance premiums. You can be denied the ability to purchase a home, buy a car, rent an apartment or even be denied a job. And reports show that 4 in 5 credit reports have errors on them causing a lower credit score. Credit Reporting Agencies pay millions of dollars each year in fines for not accurately verifying information and therefore report erroneous items to your credit file. Get a free copy of one or all 3 of your credit reports by visiting www.annualcreditreport.com (Experian, Equifax and Transunion).

2. Get your credit score to 750 or above so you can save the most money and have the most control over your financial future
Having a credit score lower than 750 can cost you over $200,000 and upwards of $1 million over the course of your lifetime! If you do not have a 750 score, the good news is that you can restore your credit score. You can potentially remove obsolete, erroneous, and unverifiable items from your credit report through the credit restoration process. There are solutions, education & systems on how to maximize your credit profile and boost your score.

3. Establish online credit related tools that enable you to monitor your credit reports and credit score, learn positive credit habits, and remove derogatory items from your credit reports
There are several online tools available today to help you in these areas. But it’s best to find a suite of tools available in one place to help in all these areas. Many online tools don’t give you a clear picture or work on a real time basis and therefore alert you when it’s too late. Having the right tool is key.

4. Have all of the following in place: Last Will, Living Trust, Health Care and Financial Power of Attorney
Having these vital documents in place can protect your family and save them the excessive cost of Probate. A Will alone without a Living Trust does not avoid Probate. A Will can be contested causing a financial & emotional strain on your family. Having all 4 documents in place allows peace of mind that your wishes are followed. It will also relay your medical and financial wishes should you not be able to do so yourself.

5. Have all of your personal and financial documents and information organized in a place that the people you designate could easily find if something were to happen to you
$58 billion per year goes unclaimed in life insurance, pensions, stocks, bank accounts and other assets because loved ones simply don’t know they exist or where to find them.

6. Have Identity Theft Protection
Every 3 seconds an identity is stolen. The IRS has established a division to deal with nothing but identity theft. The FTC says 10 million Americans will have their identity stolen. It’s not a matter of if, it’s a matter of when you will have your personal and financial information compromised.

7. Have a budgeting and debt payoff tool, game plan, and time frame of when to be debt free
Living our lives in debt is not something we have to do. The fact is that we can use the same amount of money we are paying out in debts right now and get ourselves out of debt. We can know that exact date we will be out of debt, and do it in nearly half the time. There are online tools available to help you with accomplish this.

8. Have $100,000 minimum in life insurance
$100,000 doesn’t go as far as it used to but it still will pay for final expenses, any outstanding miscellaneous debts such as credit cards, and not put any financial burden onto our loved ones.

9. Have a second income stream
In today’s economy one of the riskier things we can do is depend on one income whether it be a job or business. Options are critical to have if something unforeseen were to happen with our primary source of income. Reports show that if the average American were to lose their job, it would result in financial turmoil in a matter of weeks. The average debt per household is over $225,000 with many having less than $500 in savings.

10. Educate your children on matters of personal finance
Our school systems have never taught students how to be responsible with their finances as adults which is why many have learned the hard way. Schools today are no different. It is up to us, as parents, and older family members to educate our children how to take care of their finances.

We hope you found this information helpful.
If you would like to download a copy of this guide click below.

10 Point Plan Financial Peace of Mind

To learn about an affordable way to get all the education and services listed above to protect yourself and your family all in one place so you can have financial peace of mind,
watch the video below.

To protect yourself and your family with the Protection Plan Membership for a one time activation fee of just $99 then only $89/month click the following link to enroll

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If you would like to learn about a way to get all the education and services listed above to protect yourself and your family all in one place FOR FREE contact us.

Dale & Shirley Guiducci
(727) 222-0120
info@eracreditservices.com
www.eracreditservices.com