Category: Credit Restoration

Fix Your Credit Through the Credit Bureaus

All 3 major credit bureaus (Experian, Equifax & Transunion) give consumers the ability to fix your credit and dispute derogatory or negative trade lines through their websites. This is required by the federal government. However, because the credit bureaus give us the ability to do this doesn’t mean they are an advocate of the process or are working on our behalf to help us clean up our credit reports. Fix Your Credit

Here is why and its basic logic. The credit bureaus do not generate revenue or make a profit by having to address negative items on our credit reports even if they are erroneous or obsolete. This process is a huge expense for these companies. It’s simply a downside of their business. Therefore they are not going to make it easy to fix your credit.

Steps To Fix Your Credit

First, they are going to require that you prove your identity. If you cannot prove you are who you are they are not going to allow you to submit a dispute. There is actually a very valid reason for this, identity theft. The bureaus are not going to send updates on your credit report giving out personal financial information to someone that they are not sure is you. Therefore, be prepared to answer random questions that will give the bureaus enough information to validate that you are who you say you are.

Then you will have to provide a valid reason for the dispute. What is valid to you is not necessarily valid to them. For instance, because you co-signed for a loan or credit card for someone and they didn’t pay is not a valid reason to have the item removed from your credit report, nor is being deployed on active duty in the military, or going through a divorce. There are valid reasons for disputing an item such as, the account wasn’t yours. But the credit bureaus are not going to publish this information. This is further evidence that they want to make it as difficult as possible for consumers to fix your credit.

If you are successful in submitting a dispute through the credit bureau website or writing a letter, and you receive an update from the bureau verifying the accuracy of the account on your report and thus stating that the information will remain unchanged, don’t give up there. This is the biggest mistake consumers make when trying to dispute items on their own. Dispute it again. Make the credit bureaus contact your creditor and have that creditor respond again. Do it several times. In some cases when the creditor sees that you are not giving up they will simply not respond to the bureau(s). When this occurs the item must be deleted from your report.

A Professional Service Can Save Lots of Time and Frustration

As you can tell this is a lot of work and most of the time leads to failure and frustration. Many consumers make the decision to pay for a professional company with a good track record to go through all of this for them. Companies that have been in business for several years know exactly how to navigate through this process, the proper dispute reasons and codes, the acceptable proof of identification needed, and will not give up.

If you decide that your time is worth far more than trying to fix your credit on your own give us call. We have been in business since 2004, have helped over 250,000 people, work in all 50 states and have an A+ BBB rating. We will work on all 3 bureau reports, dispute as many items as you have, all for a one time activation fee of just $188 and $89/month. We also give you online access to view your items and see the progress we are making on your behalf.

The High Cost of a Low Credit Score

A very good credit score is 720 or above. If you have this kind of score you still may want to increase it if you can to insure you are getting optimum credit opportunities and the lowest interest rates. However, the vast majority of people have a score of lower than 720. And, creditors love it! They simply make more money by being able to charge higher interest rates and deposits. This is when you experience the high cost of a low credit score.

Low Credit Scores and Mortgages The High Cost of a Low Credit Score

Regarding a home mortgage a small difference in the interest rate you pay can cost tens of thousands of dollars over the life of the loan. For example, on a $200,000 loan a 1.25% difference in the interest rate will cost about $1,800/year and $9,000 in 5 years. With a very good credit score a borrower could save as much as $250/mo, $3,000/year and $15,000 over 5 years in interest payments.

Low Credit Scores and Car Loans

A car loan is even more dramatic due to the wide range of interest rates being offered depending on credit score. Someone with stellar credit can get close to 0% interest or perhaps less than 2%. However, interest rates up to and over 20% can be charged to borrowers with credit scores as low as the 500’s. The difference on a car that costs $15,000 is dramatic. 2% interest on a $15,000 car loan is about $25/month while 20% is $250/month just in interest. This is another example of the high cost of a low credit score.

The High Cost of a Low Credit Score

A low credit score may also cause people to have to pay utility deposits and deposits on mobile phones while others with higher scores pay no deposits at all.

And a low credit score can cost people employment opportunities. Approximately 60% of employers now do some sort of credit check on applicants.

Did you also know that a lower credit score can, depending on your insurance company, cause higher premiums for auto and home owners insurance?

Know Your Rights! Get Derogatory Items Removed

Based on the high cost of a low credit score it is a smart move to see if your score can be increased by removing derogatory items such as erroneous and obsolete items. As well, it is possible to challenge other items on your report to see if the creditor can or will verify the accuracy of the item. If they cannot or choose not to, that item must by federal law be deleted from your credit report thus increasing your credit score.

Call us today at 727-222-0120 or visit ERA Credit Services

The Big 3 Credit Bureaus Are Not in Business to Fix Your Credit

In the last few years the amount of advertising on television and other media platforms by credit bureaus (Experian, Equifax, Transunion) and credit monitoring companies offering services to consumers regarding their credit has skyrocketed. credit bureaus

The reason for this is simple. Consumers have seen their credit scores rapidly decline due to tough economic times and are searching for ways to quickly and easily monitor their score. The credit bureaus and the companies they own are happy to oblige while making billions of dollars along the way.

What Consumers Need to Know About The Three Credit Bureaus

Consumers need to be aware of some facts regarding the credit bureaus and understand that they are billion dollar profit centers. Because we call them ‘bureaus’ many believe them to be government agencies created to help consumers. That couldn’t be further from the truth.

Experian, Equifax and Transunion each generate over $1 Billion a year in revenue. Here’s how they do it:

  • Credit Services- They sell consumer information to prospective creditors. Lenders of money to consumers pay the credit bureaus to get a copy of a consumer credit report to make a decision of whether that person is credit worthy.
  • Consumer Decision Analytics- Creditors want to know the propensity a consumer has to respond to an offer of credit allowing them to better target their marketing efforts.
  • Marketing Services- Creditors also want to know what consumers meet their approval criteria so they can market pre-approved credit offers. Consumer information is also sold for non-credit related marketing efforts.
  • Consumer Services- This is the newest and fastest growing revenue stream for credit bureaus. Credit bureaus make money by selling services directly to consumers. Credit monitoring services, fraud protection, and identity theft solutions as some of the services they provide.

Beware of The Credit Bureau’s Consumer Services

Beware of the consumer services being offered by the credit bureaus. And, understand that the bureaus own some of the companies offering consumer protection and credit monitoring services on television. For instance, Experian owns FreeCreditReport.com.

Experian is also marketing a credit monitoring services called ProtectMyID. When hackers stole personal information from 70 million to 110 million people who shopped at Target during the 2013 holiday shopping season, Target rolled out what’s become a common response for corporate hacking victims: an offer of free credit monitoring for a year, courtesy of Experian which may seem like the right thing to do and bring back favor to Target.

However, ProtectMyID tracks only what’s known as “new account fraud,” which occurs when someone uses stolen information to try to get a new line of credit, such as with a credit card, car loan or mortgage.
The far more likely type of fraud, though, is “existing account fraud” – when someone uses the credit information they’ve stolen to buy luxury items like Rolex watches and Gucci bags, which they then sell on the street for cash. The Experian service will not detect this type of fraud.
And, it only tracks the credit inquiries that are sent to Experian, ignoring those made to the nation’s two other major credit bureaus, TransUnion and Equifax.

Credit Bureaus Do Not Fix Consumer Credit

Another point to be made about the credit bureaus is that they do not make money fixing consumer credit. Consumers can dispute items on their credit report that are erroneous or obsolete but this can be a frustrating process gaining little or no results.

In February, 2013 the Federal Trade Commission (FTC) reported that one in five consumers had an error on at least one of their three credit reports. The credit bureaus pay large fines for failing to update and correct consumer credit reports. It is widely held that the credit bureaus would rather pay these fines than correct the process they use to maintain accurate consumer credit information.

San Diego Credit Repair – How to Choose the Best Credit Repair Company in San Diego

So, you used Google or YahooSearch to find a San Diego credit repair company and you’ve found many. How do you choose which ones to even call? Every one of them tells you they’re the best and most effective. Here are some tips that will help you sift through all the marketing hype.

Big National Credit Repair Company vs.
a Local San Diego Credit Repair Company san diego credit repair company

This can be a tough choice. It’s seems a good thing to work with a local company. But you have to beware of local companies. Many local San Diego 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?

Solution– Our company is local and national. We have the personal customer service you should expect from a San Diego credit repair company. However, if something should happen to us locally you have a national company with 14+ years experience and phenomenal customer support backing us up. You get the best of both worlds. And, you get our Customer Satisfaction Guarantee that will be honored no matter what happens to us locally.

Pricing– This really comes down to overall cost. What you need to be aware of is that most companies will not address all your negative items immediately. They do this with one goal in mind. That’s to keep you paying monthly fees longer. We do business differently. We address all items immediately. Our goal is to get you the highest credit score as quickly as we can. Why? because you’ll get great results and save money. Then you’ll tell people about us. Also, we do business with many of the top real estate and mortgage companies in San Diego. They want us to get that client qualified as soon as possible. We charge a $99 account set up fee and just $89/month.

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

Most companies, once you sign up with them, do not communicate with you after that unless you call them. You do not see what they are doing nor see the results on a regular basis. How will you know what’s going on with your account? What are you getting for your money? In fact, they hope you forget you even signed up for the service so they don’t have to keep you informed or worry about your satisfaction.

Solution– When you begin service with our company we analyze your credit reports 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.

For more information and an assessment of your specific situation

ERA Credit Services

Call 619-492-3040
Email us at info@eracreditservices.com

The Reality of Starting a Credit Repair Business

The devastation of the financial and real estate markets over the better part of the last decade has created a huge market of consumers in need of help with their credit report and increasing their credit score. As a result, many have decided to look into starting a credit repair business.

starting a credit repair business

But just like any other business, if you have never attempted starting a credit repair business before there is a lot of information to gather and knowledge necessary to do it the right way. The credit repair industry, like many others, has a high percentage of people that start the business and quit within the first year. Why is that? And how do you avoid being one of those people? This article will cover the points you need to consider.

Laws and Licensing

There are no licenses you need to have to be in the credit repair business. However, you do have a few laws you must consider. And, these laws may be different in each state. The Credit Restoration Organizations Act (CROA), a federal law, states that a for profit company cannot charge fees before performing credit repair work for a consumer. Although many have come up with creative ways to deal with this law it will affect cash flow for a new business owner. However, attorneys, banks, credit unions and 501(c)3 non-profit companies may charge upfront fees. They are exempt from CROA.

In addition, certain states require surety bonds up to $100,000. You can purchase these bonds for far less than the surety amount but you’ll need to check with your state to make sure you have a bond if one is necessary.

Initial Investment of Starting a Credit Repair Business

There are typically two ways to go with starting a credit repair business. The first is to purchase all the necessary components such as software, a web site, legal documents, training, etc. separately. We’ve estimated this cost to be about $10,000 in the first year although these items can be purchased on a monthly basis. The other way to go is to purchase a franchise. The investment in a credit repair franchise is between $19,000 and $25,000. Don’t be discouraged if you do not have $10,000. We will give you a third alternative below that has a start up cost of less than $500.00.

Fees for Service

In addition to deciding how you are going to charge for your credit repair services (if you cannot charge upfront how are you going to charge?) you must also decide how much to charge. Gone are the days when you can charge $1,500 to $5,000 for credit repair services. There are established, reputable companies out there that charge less than $500.00 for a very effective service. You’ll have to compete with that when starting a credit repair business.

Technology

Consumers today expect that a company will have technology in place to allow them to stay in touch and keep track of what’s happening with the progress of their credit repair process. And, there are companies out there that have obliged. You must provide your customers with the ability to check the status of their account online to be competitive in this industry. Doing this as solopreneur may be an expensive and daunting task.

Skill Set

In order to be effective in this business you have to be good at three things, marketing, sales and administration. You have to be a good marketer. Selling your credit repair service to friends and family may get you started but you must position yourself as a credit repair expert in your area. You have to get the word out in the community by developing relations with other business professionals that may have clients that need your service. You must have an online presence as well. Not just a website but the ability to drive traffic to your web site. You need to have leads coming to you every day.

Then you have to be great at sales especially when you’re new because you have no track record or credibility to fall back on. You have to sell against local and national companies that your prospective customer is going to contact as well. Even if your company has the same credentials and advantages as other companies how good are you at selling and closing sales?

Lastly, you have to be good at credit repair. You have to have the ability to pull credit reports (more below) and analyze those reports. You have to know how to advise the client as to the probability of removing all types of items (bankruptcies, short sales, foreclosures, liens, charge offs, medical bills, student loans, repossessions, late payments and more). You then have to know the correct dispute codes and reasons that a credit bureau will open a dispute about these items. Then you have to track this information and be prepared to challenge each item multiple times for a client. This is no easy set of tasks.

Time

You have to have time to do all that is stated above when starting a credit repair business. Many credit repair business owners get caught without enough time to develop new customer pipelines because they are busy doing the credit repair work for their existing customers. Or, they can’t find the time to service the customer because they are trying to develop new customers.

The Solution

Everything stated above comes from experience. It seems daunting, and if done on your own it is. However, we have developed a system for new credit repair business owners that addresses and overcomes everything we have discussed here. It is a system that has taken care of the laws in all 50 states, has an initial investment of $512.00, has the latest technology for you to offer customers, provides you with training on the skill set and mind set necessary to be in this business, and allows you the time to market and sell because the administration work is handled for you. In addition, we help you provide the best, fastest, and most effective credit repair service in the industry. And, you can do business in all 50 states. And, you are provided the top training in the industry. But the best component to this solution is that you can develop other credit repair agencies and earn income from those agencies. It is without question the best opportunity for anyone that desires to start a credit repair business.

For more information visit Credit Repair Business Opportunity

Want to Start a Credit Repair Business? Here Are Some Factors to Consider

We’ve discussed before in a previous blog post, Starting a Credit Repair Business for Under $500, that typically there are two options when starting a credit repair service. The first is to spend up to $25,000 on a credit repair franchise. The other is to piece it all together and buy all the necessary components to begin your business in the credit repair industry. starting a credit repair service

Of course, that previous blog post goes on to share how you can become an Independent Agent with our company and have the best of both worlds. You can own your own credit repair business but not have to start from scratch. Everything is provided for you for under $500.

An Important Question to Ask Beforehand

There is another important decision to make, however. Actually it’s a question you have to ask yourself. The answer to this question will dictate what direction is the best for you to follow. The question is, “why are you getting into this business?” This is a simple question with a complex and very valuable answer. Typically people get into credit repair for one of two main reasons, or both. They want to help people, and/or they want to make money.

If you want to do either or both you must then ask yourself how many people do you want to help? And, how much money do you want to make? If the answer to either of those questions is a lot, or a significant amount then here is the stark reality of this business. You can’t help a lot of people nor make a lot of money on your own.

Starting a Credit Repair Service Takes Hard Work!

In order to help a lot of people in the credit repair business you have to have the time and skills to market and sell your service, and do the administrative work on the back end once you get the clients. The time to do both is almost always under estimated by people that have no experience in this industry. On top of that you have to charge a reasonable fee. The days of charging $1,000 or more for credit restoration are over. There are too many companies out there doing it for far less. If you compete for business charging a similar fee you won’t have enough revenue coming in to make it work.

There is an answer when starting a credit repair service, and we’ve found it. By having other Independent Agents running their own credit repair business and yet getting paid a percentage on what they do while you are running your own business, you can build a large operation on a regional and even national scale. This is a concept that any successful company utilizes. Your income is not just dependent on your own efforts. It’s now derived from the efforts of many others.

In addition, these Agents that are now helping you build your business while they build their own are being trained not by you, but by our training company. In fact, they are being trained by the same people that are training you. The individuals doing the training have all established a credit repair business that is generating at minimum $50,000 in revenue per month over $250,000 a month. This certainly qualifies them to teach you and your Agents how to be successful in this business. They are helping a lot of people.

Additional Factors to Consider

There are so many other factors to consider as well when starting a credit repair service. What are the laws in your state regarding credit repair? Do you have to register with your state and purchase a bond? How are you going to generate enough revenue if you cannot charge upfront fees? By the way, did you know that you cannot charge upfront fees? By becoming an Independent Agent with our company you don’t need to worry about any of this because we have taken care of all state requirements. Our staff does all the credit repair work. Did you catch that? Our staff handles all the admin work so you have time to get more customers!

If you consider everything you should before entering the credit repair industry you’ll see that our business model is brilliant. It offers you everything you need to build a very large, or even small, credit repair business. You do not have to invest a fortune. You do not have to deal with all the regulations and laws governing the industry. And, you’ll have time to develop a steady stream of customers. You can be in business today.

Boomerang Buyers – San Diego Real Estate Market

Chances are that you have never heard of boomerang buyers before. Boomerang buyers are former home owners who have gone through a short sale, foreclosure, or bankruptcy in the past few years and are saving up for a down payment to purchase a home again—are coming back. Of course, one of the issues these people face is repairing their damaged credit and getting their score back up to be able to qualify for a mortgage.

Boomerang Buyers

I recently had an opportunity to discuss this topic with one of the top real estate professionals in San Diego, David Demangos.  As a tenacious and powerful Keller Williams Real Estate Agent, David’s desire is to help his clients buy and sell residential real estate. He is known as San Diego’s “go-to guy” and is extremely well networked. David connects local business people, building relationships, resulting in repeat referral business for one another. His leadership and management skills shine through.

Boomerang Buyers Are Re-Entering the Market in San Diego

David recently sold a home to a nice man who short-sold his home, built his credit back up and purchased a new home in just around twenty five months. Boomerang buyers are expected to flood markets in some of the hardest hit areas for short sales and foreclosures in the coming years. They are predicted to account for nearly one in every five home sales in the certain metro areas this year such as San Diego.

Rising rents and the desire to own again now that the economy is more stable are driving many boomerang buyers to re-enter the market. They also want to jump in before interest rates and home prices climb too much higher.

How Soon Can Boomerang Buyers Jump Back Into the Real Estate Market?

But how soon they can jump back in will depend on the type of loan they had as a previous home owner. According to my trustworthy lenders, boomerang buyers who had FHA loans may need to wait only three years if they can prove that a hardship, such as job loss or death of a wage earner, led to their foreclosure or short sale.

Borrowers have typically been required to wait five to seven years to qualify for another loan, but mortgage giants have begun to change their rules to allow home owners who underwent a foreclosure or short sale to qualify sooner. Those who underwent a short sale will likely qualify the soonest. However, not all lenders are participating, so borrowers will need to shop around. David is well equipped to refer people to lenders who can help.

Freddie Mac’s wait time is usually four years following a short sale or deed-in-lieu, and seven years after a foreclosure. Fannie Mae may require a seven-year wait for a foreclosure, but only a two-year wait following a short sale as long as the borrower can provide a 20 percent down payment.

Credit Score Implications for Boomerang Buyers

However, for all these people their credit score is going to be an issue. David and I agree that the first step anyone who wants to “boomerang” back into the market must take is to check their credit score and determine the gap, if any, between that score and a score that will qualify them for a loan.

Between David Demangos and me, Dale Guiducci of ERA Credit Services, we can help you step through the process of getting in position to be a boomerang buyer.

Who do you know looking to buy, sell or invest in real estate? Call:

David Demangos
Keller Williams Realty
Cell:  858.232.8410
Realtor® BRE# 01905183
San Diego Real Estate Area Expert / Green Specialist / ALC Committee
www.awesomesandiegorealestate.com

LABELS: BOOMERANG BUYERSFORECLOSURES IN SAN DIEGOHOMES FOR SALE IN SAN DIEGOSHORT SALE HOMES IN SAN DIEGO, credit repair in san diego, san diego credit restoration

Pull Your Credit Report and Check These 5 Items

One of the most important things to do regarding one’s finances is to pull your credit report periodically. Learning how your credit usage and payment history impacts your credit score can help you keep your credit score as high as possible. Understanding the factors that can lower your credit score can help you set financial goals.

You can get a free credit report at www.annualcreditreport.com. You are entitled by law to a free credit report each year from each of the 3 major credit bureaus Experian, Equifax and Transunion. Pull Your Credit

When reviewing your credit report, pay close attention to these five areas of information to make sure your score isn’t being adversely affected:

What You’ll Find When You Pull Your Credit

Personal Information

Check your full name and any variations, your spouse’s name, birth date, Social Security number, current and past addresses. If there are misspellings or an incorrect address, these items might have been listed when a lender reported the data inaccurately, and can be corrected. It is important to correct these items especially if you have a more common name as creditors of another person with a similar name, even a relative, may wrongly report their information on your credit report.

Current Accounts

Each of your active accounts, such as mortgage loans and credit cards, will be listed along with the date the account was open when you pull your credit. They will appear as “in good standing” if you’re current on your payments, or “delinquent” if you haven’t paid your full monthly payment due or even show late payments from previous months or years. This information can remain on your credit report for up to 7 years.

Closed Accounts

Closed and inactive lines of credit frequently still appear on your credit report. These items will stay on your credit report for different lengths of time but also up to 7 years.

Inquiries

Hard Inquiries occur when a lender checks your credit as part of the approval process. Having too many hard inquiries could mean that you are overextending yourself which could potentially lower your score. Furthermore, hard inquiries are the result of you requesting additional lines of credit from a lender. If you didn’t authorize the inquiry, this could be a sign of identity theft.

Soft Inquiries are typically made by companies that want to check your credit score to make a decision to market to you their line of credit such as credit card companies, retailers, and car dealers or manufacturers. These soft inquiries do not affect your credit score.

Negative or Derogatory Accounts

When you pull your credit you might see items such as past due accounts, bankruptcies, foreclosures, judgments, charge offs, late payments, tax liens and more. They will almost always appear on a credit report and are typically in a separate section on the report. These items can drop your credit score significantly. Time will lessen the impact these items have on your credit score as they can appear up to 7 years, or in the case of a bankruptcy 10 years. However, this is where going through the credit repair process and leveraging your rights under the Fair Credit Reporting Act may help.

The Best Credit Repair Company in the Country… Is Right In Your City!

Searching the internet for the best credit repair company is a daunting task especially when you then have to call each one to find out how they work, how much they charge, and if they are right for you. In addition, you may not want to work with a company that is outside your area. For instance, if you live in San Diego County wouldn’t it be better to work with a credit repair company in San Diego? Or, Baltimore, the Bronx, Las Vegas, San Antonio, Austin, Tampa, and dozens of other locations. best credit repair company

Key Considerations When Choosing A Credit Repair Company

Geography

You want to find the best credit repair company and you want to find a local company. You can have both. We have Agents in all areas of the United States. Currently we have approximately 5,000 Agents located in all 50 states. Contact us for an Agent in your area.

Track Record

A bit of advice… do not work with a one man or woman operation. I have heard far too many stories of people paying their money and then not being able to contact that person because they went out of business, moved, or something else. Work with an established company that has a track record of being in the business and gaining success for their clients.

Guarantee vs. Promises

Do not listen to promises only pay attention to guarantees that you can see on the company website or in writing. Verbal promises are made by people all the time. They are worth nothing. We offer a Satisfaction Guarantee. If you are not completely satisfied with our service we will refund all or part of your money depending on the number of items we did successfully remove.

Pricing

This is a big point of emphasis in choosing the best credit repair company whether it be in San Diego or any other city in the country. There are different pricing models typically used in this 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. Ask yourself this question. Do you think they are motivated to remove your items as quickly as possible or do you think they are motivated to take their time so they can collect more fees from you? People call us nearly every day and tell us they have been paying fees to a company for over a year, perhaps two years and still don’t have the results they are looking for.

Pay Per Deletion

Other companies only charge you once they have removed items from your credit report. Actually, in most cases they do charge an initial fee as well to give you an estimate of the charges once they have pulled your credit reports before you sign up for their service. This may sound good but they typically charge between $25 per item up to $500 per item. The range in fees per item depends on the type of item it is. As an example, an old cable bill might be $25. But a foreclosure or bankruptcy would be $500 per item. Now here’s the kicker and is what you need to be aware of. The charges are per item per credit bureau. So, you actually get charged $75 per item up to $1,500 per item. This pricing method can cost you $2,000, $3,000 and up to $5,000.

The Way We Do It – The Best Credit Repair Company in San Diego and the Country

We charge a one time activation fee of just $188 and then only $89/month. We address all negative items immediately. Our goal is to increase your credit score as fast as possible. It includes all 3 credit bureaus, as many items as are on your reports, regardless of the type of item it is (cable bill vs. foreclosure).  We provide you with online reporting. You can log in and see the activity on your account 24/7. We send the dispute letters to you for your review so you’ll see that we are working on every item you have right away. We also provide you with other critical services to increase, monitor and protect your score.

We provide the fastest, most effective results in the industry.

Keeping You Informed

When talking with a credit repair company ask them how they keep you informed of what they are doing for you and the progress of removing derogatory items from your report. If they have no way to keep you updated don’t work with them. We upload a list of all your items that we are working on for you to a password protected web page. You can log into this web page 24/7 and see what’s happening on your account.

This short video will tell you about all about our credit repair company and credit repair service.
Call us today at 619-492-3040 to find out more. Or, text the keyword ERACredit to 71441.

Should I Choose a Local Credit Repair Company?

When people have the choice to do business with a local credit repair company or a national company most of the time they would choose to do business locally. There is simply a comfort level doing business locally. Perhaps the thought of being able to find and visit the company should something not go quite right is a compelling reason. And, we would more likely want to help out a business in our own economy. This is no different when choosing a credit repair service and perhaps these reasons are even more compelling.

Credit Repair Process and Concerns

I was in a similar thought process when I was looking for a local credit repair company to refer to some of our accounting clients. I called several of our local San Diego credit repair companies. I found many companies that were one woman or man operations. I made the decision to not do business with these newer credit repair services because I wanted to make sure they were going to be around for a while. I was looking for a credit repair agency with a proven track record.

Local Credit Repair in San Diego local credit repair

There were two or three local companies that did credit repair in San Diego that had a track record but they were very expensive. I was also looking for an affordable service for my clients. Then I started calling national credit repair companies that had a track record but discovered that most of them were expensive as well. And, I didn’t get the comfort level that my clients were going to receive personal attention.

I had a bit of a dilemma on my hands until I found United Credit Education Services. They had everything I was looking for in a credit repair agency. They had a ten year track record, proven results, an A+ Better Business Bureau rating, a very affordable price, and a customer satisfaction guarantee. There was only one problem. They didn’t have a local representative in San Diego.

A New Local Representative in San Diego

Given the need of so many people in need of local credit repair in San Diego, I eventually made the decision to turn over the operations of my accounting business and represent this company to begin offering consumers in San Diego credit repair. The advantage is that I and my customers had a large staff of credit repair experts in the home office to utilize. Yet my clients also have a local representative that will give them the personal attention they need.

My solution to the problem of not finding a local credit repair company in San Diego was to find the best credit repair company and represent them. If you want to find a service in your specific area, yet you want the experience and track record of a larger company, contact us. We’ll look within our network of credit repair Agents and find you someone that will help you.