Credit restoration, or what’s also known as credit repair, is the process spelled out through the Fair Credit Reporting Act of having erroneous, obsolete, and unverifiable derogatory accounts removed from a credit reporting agency (Experian, Equifax, Transunion) consumer report. This process is highly effective and can significantly increase credit scores. However, we provide more than credit repair.
More Than Credit Repair
At ERA Credit Services we offer our clients much more than credit repair and just removing derogatory accounts. Credit restoration is a one-time process but maintaining a positive credit score to save money on interest rates, deposits, and increasing one’s buying power requires ongoing maintenance. That is why we offer several services to maintain the overall health of a client’s credit score and overall financial situation.
A Credit Attorney
In some cases the credit reporting agencies, also known as credit bureaus, do not remove items that should be removed by federal law. In those cases we engage the services of our credit attorney on your behalf at no extra cost. It’s part of our credit repair service. Again, we provide more than credit repair.
Online Credit Monitoring
We believe that your credit score is like a vital sign of your overall financial health and that’s it’s important to monitor your credit report and credit score on a regular basis. That is why we offer an affordable online credit monitoring service. Our service not only keeps you up to date on your score and credit bureau report but it also has an interactive money manager and the ability to contact creditors directly in the event something shows up on your report that you want to investigate and have removed or updated after you have completed our credit restoration service.
Rental Payments as a Positive
The only time apartment or home rental payments typically show up on a credit report is when a consumer is delinquent, gets evicted, or doesn’t pay move out expenses. We’ve changed that! If you have an on time rental payment history we can have that added to your Transunion credit report as a positive trade line that will report all future on time payments as well. This is a great way to establish more positive credit and increase your credit score.
Secured Credit Card
For those consumers that have not yet established credit or have a credit score that is currently too low to qualify for an unsecured or traditional credit card, we offer a secured credit card program through Synovus Bank. You can deposit from $300 to $2,000 in an FDIC account and receive a credit card up to the limit of that deposit. Your approval for this program is not based on credit score. And, the best part is that on time payments will be reported to all 3 major credit reporting agencies thus increasing your credit history and credit score.
Positive Credit Builder
To allow our clients to understand their personal credit reports, credit scores, and what they can do themselves to further build a positive credit score we offer an online service that analyzes their credit report and gives recommendations on the steps they can take to significantly impact their score. This service educates the client that is serious about building and maintaining the best credit score possible.
Makes Us Your Credit Partner
Credit, credit reports, and credit scores are vitally important today. And, it can be a confusing and time consuming effort to get and maintain positive credit. That is why we strive to provide the very best and most effective services available. Give us a call today to discuss your situation at no cost. We’ll explain our services more than credit repair and make recommendations so you have all the options. Then you can make the most informed decisions about your financial future.
ERA Credit Services located in Clearwater, FL and El Cajon, CA, is an independent agent for United Credit Education Services headquartered in Farmington Hills, MI. We offer the best credit repair service in Florida, California and all 50 states. Whether you are looking for credit repair in Tampa, Clearwater, St. Petersburg, Largo, San Diego County or anywhere in the country, we can help you get the good credit you deserve.