From the Blog

Tips to Raise Credit Score

Tips to Raise Credit Score

Many people when needing or wanting to raise credit score immediately find someone else to do it for them. They call a credit repair company and assume that is the best they can to do increase their credit score. Enlisting the help of a credit repair company to raise credit score is a good idea in most cases. But there are other steps people can take as well to increase their credit score.

What is Credit Repair?

Credit repair is using federal law to remove derogatory items from credit reports that are erroneous, obsolete or unverified by a creditor. It can be very effective but in most cases will not remove every negative item from a credit report. Why? Let’s consider a negative item that is not an error and the date of the last activity on the account is within the last 7 years. The only way that item is going to be removed by the credit bureaus is if the creditor does not respond to a dispute of that item. If the creditor continually responds stating that item is accurate, it’s not coming off until the 7 years is up.

So then why is credit repair effective? Because many creditors don’t respond to the dispute sent to them by them credit bureaus. It’s as simple as that.

Tips to Raise Credit Score

Credit repair is one step that someone should take but there are other steps as well.

Balances on Revolving Accounts

Many people think that if they simply make their minimum payment every month on their credit cards they are doing their best to maintain or raise credit score. That’s not true if the balance on the credit card is higher than 30% of the credit card limit. So, pay down your balances to under 30% of the limit.

Late Payments

Late payments are one of the worst enemies to a high credit score. As we work with clients sometimes we are removing negative items and they call us upset that their credit score has gone down. After investigating we find that they have made a recent payment late such as a car payment. Late payments can reduce credit score by as much as 60 points. By making future payments on time the score will increase again. But if someone is trying to raise credit score don’t make late payments.

Positive Accounts

Many people don’t realize that even if they have very few or no negative item on their reports they are not going to have an excellent credit score unless they have positive accounts as well. The more positive accounts the easier to raise credit score. Find ways to add positive accounts to your credit reports. Don’t spend money you can’t pay back on time. But find a company that reports to all 3 credit bureaus and open an account. Make a small purchase and pay it down to 30% of the credit limit given to you immediately. Depending on current credit score perhaps go to a bank or credit union that has credit builder loans. Even if it’s just $500. They will put the money in a savings account and you can pay back the loan from the savings account. It will cost you some interest but will raise credit score.

To clarify, we are credit repair experts. Credit repair is a very positive step. But we also educate our clients on what I’ve shared above and other things depending on their personal circumstances. We also provide other tools for our clients to raise credit score at no extra charge that other companies don’t. Click “Book a Phone Appointment” below  or visit the Credit Repair Page on our website.

Certified Credit Repair Tampa

Consumer Information

When trying to rectify issues with your credit report it may be advantageous to reach out to a credit repair company. Here is some information to help consumers understand why it’s important to work with a company that is certified credit repair Tampa.

Unlike many industries such as real estate and mortgage, there is no state or other government licensing necessary to get into the credit repair business. There are no courses or testing issued by the state. Therefore anyone could start a credit repair business and begin taking on clients. People may or may not be knowledgeable and/or be able to give advice to consumers regarding their credit reports. Each state does have its own registration process and it may be necessary to acquire a surety bond. But this does not guarantee that the individual knows anything about credit repair and credit repair law.

As an example, I spoke last night to a gentleman who had recent financial difficulty and had late payments on his mortgage, credit cards, and auto payments. He was working with Lexington Law, one of the biggest names in the credit repair business. They had been working on his credit report for 8 months with no results. He was calling me to determine if he should switch to working with us. I told him to stop credit repair altogether as it was premature. The late payments were too recent to have any reasonable possibility of getting them removed. This is not the advice he was expecting but it was the best advice he could receive. We are going to revisit his situation in a few months and determine what the best course of action is at that time.

certified credit repair Tampa
accredited credit repair Tampa

Certified Credit Repair Tampa

When looking for certified credit repair Tampa or anywhere, look for two key factors. Is the company or individual rated by the Better Business Bureau and are they certified by the National Association of Credit Services Organizations (NACSO)?

If the company does not have a Better Business Bureau rating it may mean they haven’t been in business long enough to acquire a rating by the BBB. That’s simply a clue into the experience of the individual or company whose hands you are contemplating putting your financial history into.

NACSO  does a thorough check on each company they certify. There are very few companies certified by NACSO in relation to the number of people and companies claiming to do credit repair. There is a good reason for that as most would not qualify for this certification.

Our company, ERA Credit Services is an Independent Agent for United Credit Education Services which is certified by NACSO, is accredited by the BBB and has an A+ rating. Based on this certification and rating you can be sure you are working with a company that has the experience and knowledge to advise you on issues regarding your credit reports. And, can help you in many ways to increase your credit score and help you maintain that credit score.

For certified credit repair Tampa give us a call at (727) 222-0120 or visit http://eracreditservices.com/credit-repair/

Certified Credit Repair Tampa
Buy Seasoned Tradelines

Buy Seasoned Tradelines

Become an Authorized User on a Positive and Seasoned Tradeline

An effective way to increase your perceived credit worthiness is to buy seasoned tradelines and be added as an authorized user on a positive and seasoned revolving account or tradeline. There is a lot to know about the best way to do this. And, there are steps to take before you do this.

Before You Buy Seasoned Tradelines

You should first make sure you have taken steps to remove as many derogatory items from your credit report as possible. If you purchase a tradeline and still have negative items on your credit report you may not get the effect on your credit score that you desire.

We are experts in this field and are backed by over 14 years of experience. Visit http://eracreditservices.com/credit-repair/

Buy Seasoned Tradelines

Once you have cleaned up your credit report as much as possible you may want to buy seasoned tradelines which will be listed on your credit report. But here’s what you need to know before you do.

  • Seasoned tradelines are revolving accounts meaning they are credit card accounts.
  • When you buy seasoned tradelines you are:
    • Adding positive payment history
    • Showing a longer time of having established credit (seasoned)
    • Showing responsible use of credit by having an account with a low debt ratio.
  • Because of what is stated above we see 30 to 60 point increases on average.
  • A seasoned tradeline may give you a new highest credit amount. This will also show more credit worthiness.
  • The tradeline may show up on less than all 3 credit reports. Make sure you get a guarantee when you buy seasoned tradelines. We guarantee it will report on 2 out of 3 of the major credit bureau reports.
  • You will NOT be able to use that credit line. It will simply show up on your credit report.
  • This item will show as an open account on your credit reports for a very short period of time. Most companies that you purchase tradelines from will give you 30 days. We give you 60 days.
  • After the stated time you will be taken off the tradeline. The credit bureaus may remove that tradeline from your credit report or leave it on your report. It will usually remain for 3 to 6 months.

The key then is to be ready to use the positive effect when you buy seasoned tradelines when it is present on your credit report.

For more information and to buy seasoned tradelines call us at 727-222-0120 or visit http://eracreditservices.com/personal-business-funding/

Healthy Credit Score – The Vital Sign of Your Financial Fitness

When we go to the doctor, the first thing they do is check our vital signs. Blood pressure, pulse, and blood oxygen levels. Every time. In effect, what they are doing is checking our heart. Without a healthy heart, it’s impossible to have physical fitness. The equivalent in financial fitness is having a healthy credit score.

Most of us will agree that the key to a healthy heart and physical fitness is diet and exercise. If we maintain a healthy eating style and exercise regularly, we have a reasonably good outlook for physical well being.

Similarly there are keys to financial well being also. Good habits that we all can learn and do to have a sound financial well being. And, if we do these things we will have a good outlook for financial fitness which will be represented by a healthy credit score.

healthy credit score

First of all, we need to check our financial fitness vital signs ourselves. For most, there’s no financial doctor that we go to regularly that do that for us. So, we need accurate, real time credit monitoring. Not the free services because they aren’t accurate and aren’t real time. Not the one we get from the credit card companies for the same reason.

Then we need to protect our credit which comes from protecting our identity. It’s like taking supplements to bolster our immune system. Identity theft protection is a key to a healthy credit score and sound financial outlook.

We also must learn how to get and maintain a healthy credit score. It seems that everyone is only focused on negative items versus positive items on their credit report. But there are many things we can do on a regular basis to achieve a healthy credit score even if we have negative items on our credit reports. We were taught at least some things in school about health. There were even courses we had to take. But there were no courses financial fitness and certainly nothing about a healthy credit score.

What about those negative items on a credit report? Can we do anything about that? Most of the time, yes! Just like with disease, if left unchecked it could seriously affect your health.

If we have negative items on your credit report it’s like a disease of our financial fitness. And, in a lot of cases it can be rectified. Yes, we have to take a remedy for it but not forever!

Then there’s debt. Paying interest on debt zaps our financial energy. Money is going out with no return. But what if we could pay that debt down and stop paying as much interest? We would have more money to save for emergencies, retirement and college.

Once we start developing a sound financial outlook we need to protect it all. Therefore we all need a last will, living trust and medical and financial powers of attorney. Without these vital documents everything we build for ourselves could go up in smoke before our heirs see it.

Everything we need to rectify these problems and have sound financial fitness is available. The problem is, that up until recently, no one knew where to get all this. It was like going to a gym for cardio, then another for weight training, then another for yoga. It was unrealistic and expensive.

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

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

Healthy Credit Score – The Vital Sign of Your Financial Fitness
Credit Repair Business Owner

Credit Repair Business Owner

90% of people fail as a credit repair business owner. Don’t let that discourage you. It’s actually a good thing because it weeds out those that make a poor decision regarding their business model. It should however, make you curious about why choosing a business model is so important. And, want to find out what the credit repair business model options are.

We’ll discuss the options below but just know that if you choose a business model where you are doing all the work (marketing, sales, service delivery) you will fall into the category of the 90% who fail. It’s inevitable. That’s not because of your abilities necessarily. It’s because there are only so many hours in a day and you HAVE NO LEVERAGE!

Think about it. As an employee working for someone else you were trading time for money. Go to work for a certain number of hours and bring home a check. If you didn’t work, there was no check. What would be different of you became a credit repair business owner and had to do all the work yourself? You still HAVE NO LEVERAGE!

You could never stop working. You couldn’t even make money when you took time off or got sick. Yes, you are working for yourself but you’re the only one that’s working!

Credit Repair Business Owner – Choose Wisely

It’s all about being an entrepreneur versus a solopreneur. Solopreneurs work for themselves but also by themselves.

But what if you could use leverage to have systems and people in place working for you? This is what entrepreneurs do. First, you could have more customers and make more income. Next, you could develop passive income by having others generate business for you. And, you’d have a system in place to deliver the services to all these customers.

How do you build something like this as a credit repair business owner? You can’t. Or, at least most of us can’t because we simply don’t have the time, money and expertise to do it. It takes years, millions of dollars, and decades of experience.

So, we’ve put this system together for anyone that wants to work smarter and not harder. And, become an entrepreneur as a credit repair business owner. Make no mistake. You still have to work hard. But why work harder at something that has a 90% chance of failing? Why not make a smart decision to begin with and work hard to build that?

Credit Repair Business Owner – The Solution

We’ve partnered with two other companies to build this system. First, a company that provides all the technology and infrastructure. This includes websites, customer portals, delivery of the services, customer support, and satisfaction of legal requirements in all 50 states.

The other company trains people on how to run a successful business and become a true entrepreneur. And, if someone wants to expand their business by developing a team of people to sell and build a business, they train them as well.

These two companies are both vitally important to our success and to yours. You can’t have one and not the other. You can’t have a vehicle and then not learn how to drive it. And, what good would it be to learn how to drive and not have a vehicle?

This system has proven to help people earn millions of dollars as a credit repair business owner. It’s also helped people have a credit repair service available to their clients from another business. They don’t have to spend all their time delivering credit repair. They can focus their time on their main business and still produce the result they are looking for.

If you want to learn more visit the BUSINESS OPPORTUNITY page on our website to watch a detailed video and schedule a time to speak with us.

San Diego County Credit Repair

ERA Credit Services is the Clear Choice for
San Diego County Credit Repair

Serving San Diego County
Credit Repair Clients
Since 2012

san diego county credit repair
ERA Credit Services

Backed by an A+ Rating and Accreditation
by the Better Business Bureau

Backed by a certification from the
National Association of Credit Services Organizations

certified credit repair Tampa

Keller Williams          Movement Mortgage

Century 21     Wells Fargo Home Mortgage

American Express Open

Credit Repair Partners
for Agents and Brokers
in these Companies
and More!

But Here’s What’s Really Important to Know

We dispute all your negative items immediately. Most companies do not. Most companies will purposely extend the time it takes to remove negative items from your credit report because they like your monthly fees.

Our goal is to get you the highest credit score as quickly as we can

While we are removing negative items from your credit report you are going to learn positive credit habits. We give you an online tool call Credit Builder. Credit Builder will show you multiple things you can do to increase your credit score.

We Provide All Our Clients
with Identity Theft Protection
from LifeLock

You Immediately have accurate
Online Credit Monitoring
with Smart Credit

You can Log In Online and See all the Services You Have
and Monitor the Progress of Your Credit Repair

No One Else Provides the Services We Do
and the Ease of Access to the Progress of Your Credit Score

To get started it’s a one-time $99 Activation and Just $89/month
for as long as you need the service.

That means you call the shots. Once you have achieved your goals, call us up and we’ll cancel your service

Call us today for a Free, no obligation phone consultation
to assess your specific situation and design a plan of action just for you.

We provide Discounts for multiple family members

Customer Support in English & Spanish

San Diego County Credit Repair
San Diego County Credit Repair
Create Passive Income in Credit Repair

Create Passive Income in Credit Repair

To have passive income in any business you first have to ‘create’ passive income. In order to do that, you need two components in your business.

Passive Income – Two Components in Your Business

First, you must sell a product or service that your customers pay for again and again. You can’t sell something that your customers pay for once and create passive income. You’ll never be able to stop chasing new customers.

Second, you need to develop a network of people that are also selling your product or service. And, when they sell your product or service you get paid. If you try and create passive income from just your own efforts you’ll never be able to stop. That is, unless you think your customers will keep paying you forever.

Passive Income in Credit Repair

The credit repair business is not the perfect industry to create passive income. I didn’t say it wasn’t great. I said it wasn’t perfect. All that means is that you have to pay close attention to both steps outlined above. Recurring payments for the credit repair and other people selling credit repair so you get paid.

Think about it. The one thing about credit repair that you must realize right away is that when you sign up a new customer the first thought on their mind is, “how quickly will this work so I can stop paying”.

All that means is that in credit repair you’re going to be signing up new customers every month. And, every month you’ll have some customers stop paying you. Therefore, you have to keep replenishing your customer pool. That isn’t a big issue for the first few years. But trust me on this, at some point you’re going to get tired of chasing new customers.

The only way to overcome what I just explained is to have other people selling credit repair for you and you get a piece of the pie. Even though it’s a smaller piece than if you sold the service yourself.

passive income revolving door

The Efforts of Other People to Create Passive Income

I know, I know…this one is hard for some people to wrap their heads around. And, even harder to figure it out and make it work. To create a system on your own that allows you to sell directly to customers yourself is hard enough. To create a system that allows others to sell for you and get paid well, and you get paid too, is really hard.

We’ve  Got the System to Create Passive Income

We have a system to help you create passive income in credit repair. Not only that but this system overcomes all sorts of challenges when starting a credit repair business.

  • Federal and State Laws
  • Service Delivery
  • Technology (websites, software, customer reporting
  • Marketing (videos, brochures, landing pages)
  • Payment Processing
  • Developing a network of others selling the services
  • Credit Repair Business Training
  • And more…
Robert-Kiyosaki-Quote

It’s brilliant actually. I can’t take credit for it. I didn’t create this system. But my wife and I have taken advantage of it to build a credit repair business that generates about a $million a year in revenue and a nice six figure income. And, we do it from a home office.

Of course, there’s more to know, right? But you have to have an open mind. You have to realize that there are people that figured this out way before you even thought of having a credit repair business. The one thing I’ve learned in business is to find people that are already successful and follow what they do.

So, here’s a great suggestion. Visit the Business Opportunity page on our website. Watch a couple of videos. If you like what you see schedule a phone appointment with us.

Credit Repair Franchise

One of the ways to get into the credit repair industry is to purchase a credit repair franchise. By buying a franchise it gets you marketing and selling much quicker. You don’t have to wade through the legal and technology minutia on your own. Your business should be pretty much ready to go.

What we offer is not specifically a credit repair franchise. But it’s much like a credit repair franchise without the restrictions. We call it an Agency. The infrastructure of technology, service delivery, marketing materials (including websites, videos, landing pages), and client tracking is all provided.

credit repair franchise benefits

Our credit repair agency offers everything a franchise does with 4 major advantages

Other Services – Credit repair is a much needed service without question. But you must understand two facts about credit repair. One, it’s not the only thing that can be done for someone to increase their credit score. Two, if credit repair is all that you sell, your clients go into it with the idea of getting out as quickly as possible. Your residual income isn’t “sticky”. You’re just replacing clients instead of adding to them. We provide other services to help the client with their credit as well as their whole financial picture. We also have services that people want long term. Your retention of clients therefore is much higher. And, we provide all these services for the same price as other companies charge for credit repair alone.

Training from Successful Agency Owners – Training is a cornerstone of our Agency program. But the key is that you get trained by highly successful Agency owners. These are entrepreneurs that generate revenues in excess of $1 million a year in the business that you want to learn. How brilliant is that?

Unlimited Territory (US) – Not only are you not restricted to a city or county as credit repair franchise owner. With our Agency you can do business in any U.S. state or territory. All the bonding and legalities have been satisfied. This is HUGE even if you’re thinking that there’s enough business in your local market. Which there is. But once you understand this industry you’ll be thankful for the ability to do business anywhere.

Grow Your Business Exponentially (or Not) – You have the choice to introduce this business opportunity to others. When you do so you earn bonuses and overrides on those Agencies. Would you like to expand your business to other metro markets and states? You can! But you don’t have to. If you simply want to sell the services yourself and not expand, that’s ok too. It’s your choice.

If this business model sounds appealing visit our site and watch a couple of videos that will give you details.

Visit Credit Repair Business Opportunity

After watching the videos you can schedule a phone appointment to speak with Dale or Shirley Guiducci, two of the top people in the credit repair industry. They will discuss your goals, answer questions, and give you their insight of many successful years in the business.

Credit Repair Franchise
Credit Repair Services on Steroids!

Credit Repair Services on Steroids!

Tampa StPete Clearwater ERA Credit Services

Credit Repair Services Can Be the Key to Home Ownership

Credit repair works really well. But credit repair alone may not get someone’s credit score to where they need it to be to qualify for a mortgage. The right type and number of positive trade lines is also necessary. Along with the right debt to limit ratios. If you want the job done right the first time, you want other credit repair services!

Most people that are excited about owning a home don’t see past buying a home. They forget about property taxes, maintenance costs, and other expenses that they didn’t have as a renter. A few years down the road the newness of owning a home wears off. Now they get concerned about other things like college expenses and retirement.

Our Credit Repair Services Help You Beyond Just Credit Repair

Credit Score Education – Know exactly what you can do to have the best score possible

Online Budgeting Tool to help you save as much money as you can for the future

Online Debt Payoff System helping you pay down balances and get out of debt faster

Identity Theft Protection – don’t have your score affected by thieves

A Credit Attorney to deal with the Bureaus if needed

Accurate Online Credit Monitoring

Don’t Pay for a Service That Doesn’t Do the Whole Job

Click the box above.
Pick a day and time that works for you.
We’ll need about 30 minutes.
We’ll talk to you about YOUR SITUATION.
We’ll give you reasonable expectations and time frames
Is it worth $89/month for a short term to own that home for the long term?
You’ll have everything you need to make the best decision

ERA Credit Services has been serving clients since 2012. We are proud to say that many of your clients are referred to us by real estate agents, mortgage professionals, bankers, the Chamber of Commerce, and other professionals. We’ve won their trust. Let us win yours!

ERA Credit Services Joins Forces with Entrepreneurs International

ERA Credit Services has reached an agreement to join forces with Entrepreneurs International, Atlanta, GA. Entrepreneurs International (EI) provides transformation training for people wanting to learn the mind set and skill set necessary to become successful in an entrepreneurial endeavor. EI also has developed specific credit repair business training and financial services business training for ERA Credit Services Agents.

EI provides online and conference call training as well as live seminars in regional locations around the country. The goal is to instill in new or veteran entrepreneurs and business owners the intrinsic values and skills necessary to think and act like a successful business owner.

EI was founded in 2017 by Gregg Amerman, Frenita Amerman and Joe Locke. Combined they have over 75 years of successful experience in the direct selling industry. They have generated over $250 million in revenues during that time. This group has developed an entrepreneurial training curriculum and has trained tens of thousands of people around the country.

In addition, co-owner of ERA Credit Services, Dale Guiducci has become a trainer for EI. Dale will conduct regional 2 day training events called Secrets of Success. He will participate in conference call training and other training platforms as well. Secrets of Success covers all aspects of building a successful financial services and credit repair business training. These events also instill principals for success in any business endeavor.

ERA Credit Services will introduce each of its new Agents to the EI training curriculum. Dale Guiducci stated, “The background and track record of the founders of EI is unmatched. What they bring to the table for our new Agents will help each one avoid the pitfalls most people encounter when running a business. It will also help us advance our existing Agents to the next level of success in their business.”

Secrets of Success trainings kick off in January of 2018 in 8 cities around the country. EI will hold its annual convention at the JW Marriott in Orlando, FL on February 9 – 11.

Anyone interested in learning more about the Entrepreneurs International credit repair business training curriculum, or about how to start a credit repair business or start a financial services business should contact Dale & Shirley Guiducci at 727-222-0120 or visit Credit Repair Business Opportunity.

ERA Credit Services Joins Forces with Entrepreneurs International