Category: Credit Restoration

Finding Success After 50

Finding Success After 50
It’s Possible with the Right Vehicle

It may be that most people that haven’t achieved the career goals they set out for themselves by the time they’re 50, especially those of us that consider ourselves entrepreneurs, decide that it may be too late. But just as I found out, there are opportunities for finding success after 50.

Finding Success After 50

I guess I was one of those people. There was still a spark but I realized that a business would have to come along that had a success formula that I could follow. I had started a few businesses that just didn’t pan out. They weren’t total flops but they weren’t a rocket ship to success either. I spent some time helping my wife, Shirley build her accounting business. At least that business was paying our bills.

Then I fell into something completely unexpected. It was a fluke. I really wasn’t actively looking for something but I guess I was very open to something if it came along. And, something did.

How I was successful at finding success after 50

I was searching for a credit restoration company, or what a lot of people call credit repair. We had some accounting clients that needed that sort of help. I called many companies and really wasn’t excited about any of them. Then a few months later a guy that I knew from 20 years ago posted something on Facebook that had to do with credit restoration.

I called him up and he told me about what sounded like a pretty solid company. I offered to refer him some business but he suggested I check out the business myself. So, over the course of the next several weeks Shirley and I took a pretty hard look at it.

I eventually traveled to Las Vegas to go to a weekend seminar training the company was holding. And, that was the weekend that changed everything.

This company had much more than credit repair. It had a whole suite of financial services products that everyone needs and most don’t have. These services were affordable. They (should be The) compensation plan was lucrative. There was a residual income component, which is something Shirley and I were looking for anyway. There was also the opportunity to build a sales team all over the country if I chose. But the greatest asset this company had was training for me, and for that sales team when I build it.

I jumped in full time while Shirley ran the accounting business. And, as time went on it became apparent that this was a great fit for me. Shirley began to work with me as much as she could and she fell in love with the business also.

Now, 3 years later she maintains just a few of her old clients and is pretty much full time and works side by side with me building this business.

In those 3 years we have become one of top producers in Financial Education Services. We have won numerous awards including Outstanding Achievement, #1 in sales and #2 in recruiting in 2014. We have been in the company magazines several time and was featured in the issue that came out in September of 2015. Financial Education Services (FES) has been the best company I’ve ever worked with because it provides a sound corporate infrastructure but allows me to be what I love being, an entrepreneur.

We now have Agents in over 35 states but are most definitely continuing the search for quality entrepreneurial mined people. FES requires hard work and a dedication to getting trained as a professional. Not everyone will want to put into it what is required. But for those that do it’s a great vehicle to help someone achieve their goals no matter what their age.

If you’re a mature business person and can bring your skill set to the table along with being coachable to learn this powerful system, you have possibility of finding success after 50. For more information click the link below.

Financial Education Services Business Opportunity

Credit Restoration

Do You Have Clients with a Low Credit Score?

Real Estate Agents, Real Estate Brokers, Mortgage Brokers, Loan Officers, Bankers

Do you have clients with a low credit score? Take just a minute and calculate how much income you have lost over the last few years when a prospective client didn’t have the necessary credit score to qualify to do business with you. That number can be staggering. But what can you do? You can turn lemons into lemonade!

clients with a low credit score

Here are 4 options if your prospects have low credit scores.

The first option for clients with a low credit score is to do nothing and move on to the next prospective client. Hopefully these people will either be able to increase their score on their own, or will come back to you when the derogatory items pulling their score down drop off their credit files with Experian, Equifax and Transunion. But think of it. How many times has that happened?

 

The second option is to try and help prospects with low credit scores yourself. But do you have the time and expertise to do so? Are you familiar enough with the Fair Credit Reporting Act to follow those guidelines to successfully get obsolete, erroneous or unverifiable items off their report? And, what kind of time will that take from your marketing to new credit worthy clients.

The third option for clients with a low credit score is to refer that client to us. We have been in this industry since 2004 and have successfully removed over 875,000 derogatory items from consumer credit reports including over 100,000 public records (bankruptcy, foreclosure, tax lien). After over 200,000 clients we have an A+ rating with the Better Business Bureau. And we have services beyond credit repair to help your prospects increase their score as quickly as possible. Simply put, we provide the best opportunity for any consumer to have derogatory items removed from their credit profile and increase their credit score. We also add you as a ‘Referral Source’ and give you access to monitor the progress of your clients deletions and credit status.

The fourth option is to work directly with us, sell our service yourself, earn the income yourself, and stay that much more connected with your client. Many real estate, mortgage and banking professionals have not only closed more of their primary business as a result of offering our credit restoration service to their clients but have earned a significant income from selling our services. Think of the other professionals in your industry that have credit challenged clients that you could contact.

Many people in your industry have turned this into an income that exceeds what they earn from real estate, mortgage or banking. Many have developed a team of other Independent Agents in their area and around the country and now earn a substantial income from the production of those Agents.

Mike Watsonformer top producing Keller Williams Agent in Eastlake, CA is now an Executive Sales Director with FES and now has over 100 Independent Agents around the United States.

Miranda Harrisreal estate broker in Columbia, SC has become one of the top producing Agents with our company and earned the title of Vice President. She is also a member of our Six Figure Club. Our average Vice President earns over $24,000 per month.

Derrick Smithformer owner of 2 ReMax brokerage offices in Maryland is now a Regional Vice President and is a Trainer with our company. He is also a member of our 6 Figure Club. Derrick became a Vice President with our company within a year.

Cynthia Davisformer branch manager for CitiBank in Las Vegas, Cynthia has become a Regional Sales Director and has left the 9 to 5 banking world to develop her own business with FES.

These are just a few of the stories that have been written within our company by people who first looked because they had clients with a low credit score. You don’t have to change careers and strive for the type of income these people earn. You can simply work with us on a part time basis to assist your clients with their credit score and close more real estate, mortgage and banking business.

You have to agree, we’re worth taking a look at. You can turn lemons into lemonade. Whether you simply want to refer folks to us if your prospects have low credit scores to increase your closed business, or you want to learn more about developing an income by selling our services and possibly developing a team of Agents contact us today!

Click Here if You Want To Learn More Now

Click Here to Email Us for More Information and Schedule a Time to Talk with Us

Or Call Us

East Coast Office in Clearwater, FL – (727) 222-0120

West Coast Office in El Cajon, CA – (619) 492-3040

Starting a Credit Repair Business- It’s Not That Easy

More and more people are interested in starting a credit repair business. And, there are many companies out there selling software, websites, training certificates and more to those that want to start a credit repair business. In their advertising these companies make it sound so easy to use their products and make a lot of money. But think about it. Maybe the reason these companies are selling other people their products and are not in the credit repair business themselves is that they realize starting a credit repair business isn’t that easy. In fact, most credit restoration businesses fail in the 1st year.

Starting a Credit Repair Business

It is true that about 43 million American consumers have a poor credit score. It’s also true that 4 in 5 credit reports have errors on them. And, with the criteria for lending having tightened dramatically, it would seem that people would be knocking down the door of anyone claiming to know how to solve their problem and increase their credit score. But it’s not the case.

Here are several reasons why the chances of starting a credit repair business and making it a success are not good at all unless you work with a company that provides all the infrastructure.

#1– People can live with poor credit their whole lives. Not everyone with a sub 600 credit score has the need or desire to increase their score. The only time they’ll feel the pain of a poor credit score is if and when they attempt to purchase or lease a car or get a loan for a mortgage. With regard to buying a car they’ll still be able to make that purchase albeit with a higher interest rate. The bottom line is that you have to work hard and be a savvy marketer to find clients. Then you have to be a very good salesperson to convince your prospect to do business with you especially if you’re just getting started because you have no track record.

#2There’s a federal law called CROA. This law prevents a company that is not a 501(C)3 non-profit, attorney or bank from collecting up-front fees for credit restoration services. Yes, you can charge a nominal set up fee. Most people look at this and discount it’s affect because they wrongly assess that the monthly fees they’ll charge clients will eventually make up for it. Here’s the problem. Most people will not continue to pay monthly fees unless they see results quickly. People are impatient and want an increase in their score right away. If they don’t see it they will stop paying the monthly expense. Therefore you’ll have a cash flow problem, not see the return on your investment of time, energy and money, and likely fold within your first year. This creates more difficulty in starting a credit repair business.

#3– The days of charging thousands for credit repair are over. Ten years ago, even five years ago companies charged thousands of dollars for credit repair. Some still do but the tide is turning. Many companies like ours charge a lot less than even $1,000. Therefore the big profit margins in the industry just don’t exist. And, if you look at what you would earn per hour working on a client’s account you may as well get a part time job at a retail store and not have the headaches.

#4– There’s not enough hours in the day to build a successful credit restoration business from scratch. People severely underestimate the time it takes to promote their business, sell to clients, follow up with clients, dispute items to the credit reporting agencies, and everything else that goes along with it. This factor alone leads to most people failing in the first year.

There is however a way to start a successful credit repair business.

Work with a company that does all the back end work of analyzing credit reports, drafting dispute letters, providing customer support, and adhering to state and federal regulations. Our company does that and provides a website, an online tracking system, and training. As an Independent Agent our job is to market and sell. This frees up the hours needed. However, that’s not enough. You still have to do more sales volume than one person can do to achieve a significant income.

How do you achieve more sales volume than you can do yourself? Develop a team of Independent Agents. The fact is that no matter the business model chosen there simply isn’t enough hours in the day to make a credit restoration business work on your own. You need help. By developing a team of Independent Agents who are, in turn, building their own Agency you can develop a significant income into the tens of thousands per month. You could never do that on your own.

If your goal is to do credit restoration on the side and make very little money then go buy software and have a go at it. But if you want a long term career where you can earn a significant income and eventually stop working because you have a substantial team of Agents working for you, then contact us. The support you’ll receive will go a long way to help you in starting a credit repair business.

Learn more about our Credit Repair Business Opportunity

(619) 492-3040

(727) 222-0120

Getting a Mortgage with Bad Credit

There are no guarantees in attempting getting a mortgage with bad credit. However, with pending rate increases and still a reasonable real estate market, it’s worth a try. And, if you work on a few things you can increase your chances for approval.

Mortgage with Bad Credit

Stesps you can take to get a mortgage with bad credit

Employment

The amount of income is not necessarily “the” key factor. Mortgage lenders are willing to grant a mortgage loan with poor credit as long as the borrower can demonstrate their ability to make repayments for the 25 or 30 years of the mortgage term.

Debt Ratio

Typically a borrower has to have enough income and low enough existing obligations so that the amount of those obligations plus the mortgage payment represents less than 40% of their income. For example, with a monthly income of $5,000, if the mortgage loan repayments raise total debt repayments to less than more $2,000, then the application can be approved.

Credit Score

Even with a low credit score if other factors are in place, and the borrower is showing increases in their credit score the underwriter may look more favorably on it.

There are two ways to increase a credit score. One is to build positive credit by getting credit lines (credit cards, etc.) that will turn into positive trade lines on the credit report. The only issue with this just before applying for a home loan is that it may appear that the borrower is trying to access too much credit, and eventually have too large of a credit limit.

Credit Restoration

The other way to increase a credit score rather rapidly is though credit restoration or what some people refer to as credit repair. This is the process of getting older derogatory items removed from a credit report because the creditor does not validate or verify the accuracy of the account. This can be done by the consumer but it is advisable to use a reputable credit restoration company. Just as someone could represent themselves in court it isn’t the best use of someone’s time nor do they perhaps have the expertise necessary for success especially if you are trying to get a mortgage with bad credit.

Down Payment

There is no underestimating the advantages of providing a large down payment. Usually, about 5% is the minimum required. But when it comes to applying for a mortgage loan with challenged credit, it may require a substantial amount more. For example, a 10% down payment on a property worth $250,000 requires $25,000. The financial discipline required to get $25,000 together is significant. This kind of discipline is exactly what lenders want to see before approving a mortgage loan.

For further assistance or information on how to increase your credit score while trying to obtain a mortgage with bad credit, call or email us.

ERA Credit Services
727-222-0120
info@eracreditservices.com

Tips on Maintaining a Good Credit Score

10 Tips on Maintaining a Good Credit Score

Maintaining a Good Credit Score

Below is some great information for every consumer on first getting, and then maintaining a good credit score.

Monitor Your Credit Report

First, in order to know if you have a good credit score, enroll for an online credit monitoring system that alerts you if there are changes to your report and/or credit score. We suggest SmartCredit.

Use Credit Cards Like a Debit Card

For building and maintaining a good credit score treat your credit card like it’s a debit card. If you can’t afford to pay off a purchase at the end of every month don’t make that purchase. And, use cards with benefits (travel, points, etc.)

Credit Card Balances

If you have to maintain a balance on your credit cards make sure it is low relative to your limit. A good rule of thumb is under 30% of the limit. The credit reporting agencies all consider debt to limit ratios an impact factor in calculating a good credit score.

Use of Credit Cards

If you have credit cards use them periodically, even just once every few months. A dormant card reduces the impact on a good credit score.

Resist Department Store Cards

If you have major cards you don’t need a store card. They usually come with annual fees and high interest rates.

Resist Co-signing for Others

When you co-sign for another on any type of loan you give up control of credit history to another person. If that individual is late on a payment in can cost up to 60 points and affect your good credit score.

Expand Your Portfolio

Maintaining a good credit score requires more good credit. If you have just a secured credit card, apply for an unsecured card after 6 to 9 months. But don’t have more than 3 credit cards. It’s simply not necessary.

Keep Track of Automatic Payments

Payments that are automatically deducted every month from your checking account by giving a creditor your debit or credit card must be monitored. If your card expires they can quickly turn into late payments. Late payments can have a huge impact on your good credit score.

Note Annual Fees

If you have credit cards and other accounts with annual fees make sure you pay those fees promptly. Sometimes they go unnoticed and therefore, unpaid causing late payments and delinquencies.

Keep Inquiries to a Minimum

Hard inquiries can cost you points on your credit score. Keep inquiries from prospective creditors to a minimum. Be especially careful when purchasing a car. Some dealerships and car lots will have several finance companies run reports on you all on the same day.

If Your Credit Score is Below 640, Get Help

A credit score below 640 will not typically put you in a position to qualify for a mortgage. As well, it will cost you more in interest rates and deposits for credit cards, insurance, cable, cell phone, other utilities and more. To learn more about what we can do to help you visit ERA Credit Services 

To talk about your specific financial and credit situation call us:
San Diego (619) 492-3040
Clearwater (727 222-0120

Or email us at info@eracreditservices.com

Ways That Bad Credit Can Affect Your Life

Bad credit and low credit scores can affect your life in many ways. Bad Credit

Bad Credit can prevent you from getting a decent payment on a car loan, or qualifying for a mortgage, line of credit or credit card. We all know that. But we don’t usually think about the fact that poor credit can hurt relationships, restrict you from being able to move, or even find a job. Here are some things to think about.

Bad Credit Can Affect Relationships

If you can’t borrow money due to bad credit, you may consider asking a friend or family member to help. Being late on a credit card payment will damage your credit rating. But being late in paying back a friend can damage the relationship. Bad credit can also have a terrible impact on marriages. Financial troubles are the leading cause of divorce in America today.

Emergencies

One of the best uses of a credit line or credit card is to have it in the event of an emergency such as a medical issue. However, if you are “maxed out” on a credit line and have a low credit score you risk not being able to handle such an emergency.

Mobility

If an emergency such as a natural disaster, or if an opportunity such as a job offer in another area comes your way, you may not be able to leave. In addition, having bad credit can keep you from getting a travel rewards card allowing you to save money using mileage points to purchase tickets and accommodations.

Car Insurance

Automobile insurers in some states increase auto insurance rates partly based on credit score.

Homeowners Insurance

Although some states don’t allow credit scores to be a factor in determining home owners insurance rates, in the states that do allow it people with bad credit pay at least twice as much as those with good credit.

Renting a Home or Apartment

More and more landlords, including owners of one or two units, are checking credit reports of applicants. Credit score and lack of evictions directly correspond to how responsible someone is.

Employment

You can be denied a job due to a bad credit score. One out of four Americans have had to go through an employer credit check, and one out of 10 a job because of a low credit score.

Higher Costs

Less than perfect credit can cost you $200,000 and up to $1 Million in higher interest payments over your lifetime.

Deposits

You might be required to pay a deposit in order to get service if you have a bad credit score. It could be a significant deposit if you’ve been late on utility payments or defaulted in the past.

Professional Licensing

The Fair Credit Reporting Act allows government agencies that regulate professions to use credit reports. This means that states can require proof of creditworthiness before issuing everything from medical licenses to doctors, to construction licenses to contractors.

Quality of Life

Debt can keep you from getting an education. It can keep you in an unhealthy relationship. It can keep you from getting a better job. Debt can keep you from fulfilling your potential as a person.

What Should You Do?

There are ways to clean up a credit report potentially and even more to increase a credit score. Someone who has poor credit needs a game plan and a coach to educate and guide them. Give us a call and let the healing begin.

Also, visit http://eracreditservices.com/more-than-credit-repair/ to learn about the various services and tools we have available.

FOR IMMEDIATE RELEASE: New Tampa Area Credit Repair Company Getting Great Results for Clients

Clearwater, FL – June 19, 2015 – ERA Credit Services, an Agent for United Credit Education Services, has expanded its operation and is now representing a new credit repair company in Tampa and is getting rave reviews. They now provide credit repair services in Tampa, St. Petersburg, Clearwater and Largo an as well service the entire state of Florida.

New Credit Repair Company in Tampa

Dale and Shirley Guiducci began assisting consumers with removal of derogatory items from their credit reports in San Diego in 2012 after trying to find a reputable company to help clients of their accounting business.

“We introduced United Credit Education Services to the San Diego market and it really took off just by word of mouth. We told friends and business associates that began using the services and shortly after we started getting calls from real estate and mortgage professionals who had clients that needed help with their credit score.” says Dale Guiducci.

Late in 2014 the Guiducci’s made a decision to move cross country to the Tampa Bay area and have now settled in Largo, FL. Shirley explains, “Because of the success we had in San Diego and the people we had working with us there we were able to make the decision to move wherever we wanted. We saw a need for a new credit repair company in Tampa. And, what better area in the country to move to than the Gulf Coast of Florida?”

Credit repair or credit restoration is the removal of erroneous, obsolete and/or unverifiable items from credit reports produced by the big three credit reporting agencies (CRA), Experian, Equifax and Transunion.

One ERA Credit Services client, Bryan Fallucca, told us, “What they did for me is nothing short of a miracle. I had the worst credit possible for years & it really took a toll on me both mentally & financially! They took my score from the high 500’s to a 748. Not only was I able to get a new car with nothing down & a very low monthly payment, I was also able to move me & my daughter into a better area of town & school district.”

A mortgage professional, James Hooper of Capital Line Mortgage shared, “ERA Credit Services helped one of our clients improve their credit from a 645 mid score to a 700 mid score on the dot. Our client now has the ability to refinance at much better interest rates 6 months after starting to work with ERA. Dale and ERA will be getting all our customers that need credit repair in the future.”

The owners of ERA Credit Services, now a new credit repair company in Tampa Bay

Dale and Shirley Guiducci are owners of ERA Credit Services, an Agent of United Credit Education Services. ERA Credit Services now has more than 280 Agents providing credit repair and other financial services to consumers in all 50 states.

Contact:

Dale & Shirley Guiducci
ERA Credit Services

4500 140th Avenue North
Suite 101
Clearwater, FL 33762

727-222-0120
619-492-3040

Email: info@eracreditservices.com
www.eracreditservices.com

FICO Adds to Consumer Credit Scores

In April, the Wall Street Journal reported that soon consumer FICO credit scores will reflect payment history on utilities, cell phone accounts, and cable bills. How often someone moves will also be a factor in their FICO credit score.

FICO credit score

It is unclear at this point how many consumers have already seen a change in their FICO credit score as a result of FICO working with 12 credit card issuers to test the new scoring model in lending decisions. The new scoring model is slated to be used nationwide by the end of 2015 providing a credit history for 53 million more consumers that currently don’t have one.

It is also unclear how this may affect consumer FICO credit scores. It may help those people with little or no credit history to establish one. It may also help those with an established credit history to bolster their score if they have an on time payment history in these areas. Currently, the only time payment history for utilities, cell phones or cable bills is reported is when there is negative information such as delinquent or unpaid amounts.

The new FICO credit score model will also report on how many times a consumer changes addresses. Frequent changes of address may lead to a creditor deciding that someone is unstable financially.

This represents an opportunity for the credit reporting agencies (Experian, Equifax & Transunion) to grow their business. Bringing into the fold 53 million more consumers will mean more data being submitted by creditors, more credit reports being pulled, and more consumer FICO credit score data being purchased by companies for marketing purposes. All of which generate revenue for the 3 agencies. It also means that companies will now have more data on more consumers allowing them to expand marketing efforts to these consumers.

These changes reflect a major change in the existing FICO credit score model. How much it will affect existing consumer credit scores and how many more consumers will now have access to credit remains to be seen.

For more information on applying rental history to your credit report, visit www.ERACreditServices.com or call 619-492-3040.

Good News for Credit Consumers – But Just How Good?

Help for consumer credit may be on the way

The 3 large credit reporting agencies (CRA’s), Experian, Equifax & Transunion have collaborated on and announced the creation of the National Consumer Assistance Plan which they say will change the way unpaid and paid medical debt will be reported on a consumer’s credit report. This self imposed plan will also require the CRA’s to gather more and accurate information from creditors when an item is disputed by the consumer. This should help consumer credit.

Consumer Credit

The CRA’s will now wait 180 days before reporting unpaid medical debt allowing more time for the consumer and their insurance company to arrange for payment. In addition, paid medical debts will be removed from consumer reports, which is a change from the current 7 year reporting policy.

Also the CRA’s will hire and train employees to address and respond to consumer disputes. Currently the practice is automated in that over 85% of the disputes are simply sent to the creditor to address the issue.

This is certainly a step in the right direction.

However, it remains to be seen if Experian, Equifax and Transunion are committed to providing accurate information on consumer credit reports or of this is simply a measure to slow down the scrutiny of the federal and some state governments.

No Change as of June 2017

We originally posted this blog in March of 2015 when the report first came out. However, as of June of 2017 there has been no recognizable change to the way paid or unpaid medical debt is being reported. And, certainly no help for consumer credit scores. Since PR News Wire reported this there has been no follow up. We’ll assume that’s because of the difficulty in getting 3 separate $billion companies on the same page. Or, we’ll chalk this up to an attempt by the CRA’s to get good press back in 2015.

For information and advice on your credit score visit www.ERACreditServices.com

Fix My Credit- There Are Two Ways to Do It

American consumers are waking up to the fact that going through life with a low credit score, and thus having poor financial health, is going to impact their quality of life almost as much as their physical health. It seems that everyone wants to know how to ‘fix my credit’ and recover from the mistakes of their past.

The good news is you can recover and restore your credit score and financial health in two ways.

Fix My Credit

The first is to remove, as much as possible, negative items from one’s credit reports with Experian, Equifax and Transunion, the 3 major credit reporting agencies. There is a specific process governed by federal law that can assist in removing erroneous, obsolete and unverified items from a consumer credit report.

By law, a consumer has the right to fix my credit themselves through the major credit reporting agencies (CRA’s). However, one must understand that this is a major expense to the bureaus and does not generate them revenue. Therefore, within the boundaries of the law, they have put up some roadblocks for consumers in making this process accessible while at the same time making it seem very accessible.

That is why credit restoration companies exist. To help consumers navigate through the process and take the burden of time and expertise off consumers. Just like many things we can do ourselves such as work on our own cars, replace our own hot water heaters, etc., it just makes sense to pay someone else who has more expertise to fix my credit for us. So, removing negative or derogatory items from our credit reports is one way of improving our score. And, that is always the first step in improving our credit score.

However, we can also educate ourselves as to what we can do proactively to improve our score

. We first need to understand how our personal credit reports look against the scoring models of each of the CRA’s. In other words, what do we need to do to get more positive trade lines or accounts on our reports to add to a positive credit score increase?

Unfortunately not many people are in the business of educating people about how to fix my credit or offer services and solutions.

That is where our company has concentrated its efforts over the past few years and now offers a suite of services at a very affordable rate (just $89/month) to not only restore a consumers score by attempting to remove negative items but by educating them on how to proactively increase their score as well.

Here’s a list of services and solutions we offer:

  • Credit Restoration
  • Online Credit Monitoring- See an updated credit report and credit score 24/7
  • Education on Attaining a Positive Credit Score
  • An Attorney specializing in trade line removal and creditor harassment
  • Debt Payoff- a service that teaches consumers how to pay off their debts in up to half the time
  • Will, Trust and Powers of Attorney- protecting a consumer’s assets
  • Identity Theft Protection
  • Document Security and Organization- identifies and records the location of all one’s important personal & financial documents
  • And, several money-saving services as well.
  • Restoring a credit score is important, or course. But getting serious about improving and securing one’s complete financial health is imperative in today’s economy.

For further information contact us at:
(619) 492-3040 or (727) 222-0120 or visit us at www.eracreditservices.com
*ERA Credit Services is an Independent Agent for Financial Education Services and United Credit Education Services