Tag Archives: Credit Repair Clearwater

Clearwater Credit Repair

Clearwater Credit Repair

A Complete Plan to Increase Your Credit Score

If you face challenges with your credit score you may search online for a solution and call a credit repair company. All Clearwater credit repair companies will tell you that they’ll attempt to remove negative items from your credit report.

But will they address all derogatory items immediately? Will they give you online reporting to so you can monitor the progress of your account? And, will they provide other services to help increase your credit score? These are the questions you should ask. But we already know that the answer is “no”.

Your credit score is not just based on negative items on your report. You need an overall credit score plan that will impact every aspect of your credit score.

You can read on but if you’d like we can explain this all to you over the phone.

We analyze your reports with all 3 credit bureaus (Equifax, Transunion, Experian). We then provide you with a credit score plan that includes our A+ Better Business Bureau rated credit repair service to maximize your credit score. And, you can track it all online, 24/7.

The Clearwater Credit Repair Plan

We give you a full and complete credit repair plan. We start with credit repair. We’ve been a top rated Clearwater credit repair company since 2014. We have become the company of choice for real estate companies, mortgage companies and banks for credit repair in Clearwater and Pinellas County.

Online Reporting 24/7

We give you on online account so you can see the progress of what we are doing. You’ll see the negative items we are working on for you. We dispute all your items immediately unlike other companies that want to prolong your service with them. Because we get the majority of our business from referrals from business professionals we need to act as quickly as possible.

A Credit Repair Plan of Action – Credit Builder

What about other steps you can take to increase your score? We give you a plan of action called Credit Builder to increase your credit score now. This knowledge will help you for the rest of your life so you can always have the best credit score possible.

Real-time Online Credit Monitoring

You need to see your credit score and be able to access your credit reports 24/7. How else will you know if credit repair is working? Free services like Credit Karma do not give you all 3 credit bureau reports. Nor are they reported in real-time. We give you that.

Identity Theft Protection

We then protect your identity through LifeLock. Why? Because as you increase your credit score you become a higher risk to have your identity stolen. That would disrupt any plans of buying a home, getting a business loan, buying a car, etc.. We prevent that from happening.

Debt Utilization

What about your existing debt? Debt utilization is a major factor in calculating your credit score. If appropriate, we give you a plan to pay down that debt using the same amount of money you currently use to pay debts now. Not only does it increase your credit score but you save thousands, potentially tens of thousands of dollars in interest.

Other Credit Score Services

If you currently are a renter of a home or an apartment we can talk to you about adding your monthly rental payment to your Transunion credit report. This will add another positive account to your history this increasing your score. We also have a secured credit card program if you need help adding positive accounts or what’s called trade lines. The more positive accounts you can show the higher your credit score will be.

Let’s Make Sure We Can help You

Does this sound like the plan of action you need? Then click below and ‘Book a Phone Appointment’.
Pick a day and time that fits your schedule. We’ll call you at that time.
We’ll talk about the specifics of your situation. We’ll explain exactly what we do.
Then you decide if working with us if your best plan of action.

Call Us for Clearwater Credit Repair at 727-222-0120

ERA Credit Services is an Independent Agency serving Pinellas County.

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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!

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Credit Repair Services on Steroids!
Affordable Credit Repair Tampa

Affordable Credit Repair Tampa

When looking for a professional to increase your credit score you want affordable credit repair Tampa. But you should also expect value. ERA Credit Services provides both.

ERA Credit Services
in Clearwater is backed by a track record since 2004, and an A+ rating with the Better Business Bureau. They provide their clients with online access to their account, and a review of information being sent to the credit bureaus.

In addition, ERA Credit Services also makes recommendations as to what you could also do to increase your score. They protect your identity with Lifelock®. And give you online access to your credit scores and credit reports so you monitor the progress of your score.

Affordable Credit Repair Tampa

Central Pinellas Chamber of Commerce MemberIf you’re looking for affordable credit repair Tampa with the best value, look no further. Once you are a client they obtain copies of your credit reports. They run an analysis and find all items that are negatively impacting your credit score. Then they address all items immediately with all 3 credit reporting agencies Experian, Equifax, and Transunion. In approximately 45 days you will receive updated credit reports from the 3 agencies. That’s fast!

If you want fast and also affordable credit repair Tampa, this is the company to call. They will provide you with a no cost, no obligation phone review. Their experts will tell you exactly what credit repair is and what it does. Then they will walk you through every step of the process.

To get started with affordable credit repair Tampa it’s only $188 then just $89 per month for the Protection Plan. The Protection includes information on how to build the highest credit score, identity theft protection, online credit monitoring, an online budgeting tool, credit attorneys, and of course the most affordable credit repair Tampa.

When real estate and mortgage professionals have clients that need to increase their credit score they refer those people to ERA Credit Services. Call today (727) 222-0120. Email info@eracreditservices.com. Or visit their website by clicking below to “Book a Phone Appointment on a day and time that’s convenient for you.

ERA Credit Services is an independent agent for Financial Education Services and United Credit Education Services, a 501 c3 non-profit organization.
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Credit Score Basics – How to Get a Good Credit Score

The first step in learning the credit score basics is to learn what makes up a credit score. Although each credit bureau uses a somewhat different scoring model (FICO, FICO II, Vantage) what constitutes a credit score is represented by this infographic:

Credit Score Basics
What Makes Up a Credit Score

When people want to improve their credit score they mostly focus on removing derogatory or negative accounts from their credit report. They may try it themselves. Then after little or no results they call a credit repair company for help. Credit repair, or what we call credit restoration, is a good thing to do. Removing derogatory accounts will increase your score.

Obsolete Accounts– accounts older than 7 years from the date of last activity should be deleted automatically but sometimes they are not. We use federal law to get these items removed for you.

Accounts with Erroneous or Outdated Information– If these are negative accounts, removing them will increase your score. We also use federal law do get these items updated or removed.

Unverifiable or Unverified Accounts– These are accounts that the creditor of record cannot or chooses not to verify. These items will be removed via federal law if challenged in the correct manner.

Our company has been providing the fastest, most effective results in the credit repair industry since 2004.

However, that only impacts 35% of your credit score. There are other credit score basics to learn.

We can help you in every area of your credit score basics

Therefore, we provide other services that impact 100% of your credit score.

Let’s tackle the next biggest percentage, your amounts owed (30%)

If you can pay down the amounts you owe to 30% of your credit limit that will increase your credit score. For instance, if you have a credit card with a $1,000 limit, pay down the balance to $300.  You may not think you can based on your budget but we have an online budget and debt payoff tool that will show you how to pay these accounts down. And, it will show you how to do that with the same amount of money you currently spend on your bills.

Next, the Types of Credit and New Credit (20%)

Sometimes it’s hard to understand that if you don’t have the right types of open credit accounts (revolving, installment) such as a car loan, mortgage, and credit cards you can’t have an optimum credit score. In other words, you have to have credit to have a good credit score. And you need new credit from time to time especially if you do not have enough open lines of credit.

We help people establish new lines of credit with a secured credit card program from Synovus Bank and a program that will add a positive rental history to your Transunion credit report. And, we will make other recommendations to you as well.

Lastly, Length of Credit History (15%)

This one just takes time. We have to get you the right types of credit, remove negative items, and let it season. Over time your credit score will go up based on the length of credit history.

Dale Guiducci is the owner of ERA Credit Services offering credit repair in San Diego and credit repair in Clearwater, FL and credit repair in Tampa, FL. ERA Credit Services is an Independent Agent for Financial Education Services (FES) which has an A+ rating and is accredited by the Better Business Bureau. Mr. Guiducci is also a Vice President with Financial Education Services and trains new Agents for FES on a national level.

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Credit Repair in Florida – What You Need to Know

You need to know the right questions to ask when you’re looking for credit repair Florida.

Credit Repair Florida

  • Most credit repair companies do not address all your items immediately. They only work on one or two derogatory items every 60 days. They extend the process intentionally so that you end up paying a monthly fee for several more months than is necessary.
  • Most credit repair companies in Florida do not involve you in the process. You do not see what’s being addressed, how they are addressing these negative items, or when they are doing it. They do not show you the items being disputed.
  • Unless you have a way of checking your credit reports and credit score on your own you do not see the impact of their work real time. Therefore you don’t know if what they are doing is working for you.
  • Lastly, credit repair Florida companies in cities like Tampa, St. Pete, Clearwater, Jacksonville, Orlando and Miami only do credit repair and do not help you with other ways to increase your credit score as well. Credit repair is a great service if done correctly. But it isn’t the only way to increase your credit score.

So, you have two choices. You could call several credit repair Florida companies and interview them. You now know the questions you should ask them.  See if you can find one that disputes all items right away. That doesn’t charge you a set up fee. Try and find a Florida credit repair company that will keep you informed and give you real time access to your credit scores and credit reports. Ask if they provide other services that will increase your credit score as well.

Credit Repair in Florida – A Full Service Credit Repair Company

Or, you could simply make one phone call to ERA Credit Services at 727-222-0120 for credit repair anywhere in Florida. We are an independent agent for United Credit Education Services that is accredited by and has an A+ rating with the Better Business Bureau.

  • Talk to a company that will fully explain the process to you right over the phone.
  • Your service starts immediately for a one time fee of $99.00 & your first monthly payment of only $87.00
  • We address all your derogatory items immediately insuring you’ll get the fastest results possible.
  • We give online access to all the information about your account. To see the account you’ll get click ERA Credit Services Protection Plan
  • You’ll receive correspondence about the negative accounts we’re working on for you so you know what items are being addressed.
  • You’ll have access to your credit scores and credit reports that is updated real time.
  • We also will provide other powerful services to increase and protect your score.
  • And, we provide you with knowledge about credit so you can maintain a high score in the future.

All for only $89/month with no contract and no minimum time on service.

Make one phone call for credit repair in Florida to ERA Credit Services (727) 222-0120

ERA Credit Services is backed by over 12 years of experience in the industry and an A+ rating with the Better Business Bureau. We are also certified by the National Association of Credit Services Organizations.

credit repair Florida

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Not Just Credit Repair, Credit Restoration

Credit repair, the process of utilizing federal law to remove inaccurate, erroneous and obsolete items from a consumer credit report, has been around for decades. However, the industry is evolving. And our company is leading the way. We offer not just credit repair, we offer credit restoration.

Not Just Credit Repair

Credit Repair vs. Credit Restoration

What’s the difference? Credit scores are based on a number of variables. Therefore there are other ways of helping a consumer increase their credit score. We look at a client’s credit history and make recommendations of perhaps opening new trade lines or accounts that will positively affect their score. Paying down existing balances can have a dramatic affect on scores.

Not just credit repair, credit restoration

We educate clients and give them tools to help maintain and protect their credit as well as their identity, family, and finances.  We offer an array of services called the Protection Plan. And, we charge less than other companies charge for credit repair alone. It’s just $89 per month with one time account set up fee of $99.

Even if you just compare our credit repair service against others we have some big differences. We attempt to remove all derogatory or negative items immediately. Other companies slow the process down only so they can charge the client more fees.

We also provide our clients with online credit monitoring and identity theft protection with LifeLock. It’s all part of the package for the same price other companies charge for a slower credit repair process.

All of this is why major real estate brokers, mortgage companies, and banks choose to work with us so their clients get the best and fastest results possible. They choose us because they are looking for fast results for their clients. The choice is clear. If you need to increase your credit score, get in touch with us today!

Not Just Credit Credit

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Best Credit Repair Services Tampa

A How to Guide to Choose the Best Credit Repair Company in Tampa, St.Pete, Clearwater

If you did a search on the internet to find the best credit repair services Tampa several companies were listed in Google, Yahoo or Bing. What now? Do you contact each of credit repair companies listed on page one? Below is some helpful information that will save you time and help you find the best credit repair company in Tampa, St. Pete and Clearwater.

Best Credit Repair Services Tampa

 

Should You Choose a Local Credit Repair Company in Tampa, St.Pete, Clearwater or a Large National Company?

In most cases you should find a local credit repair specialist. However, you should also be aware that the credit repair industry in not regulated as heavily as other industries. There are no licenses required and many of those listed on the internet are not companies per se. They are one person operations that have “fixed” their own credit perhaps and decide to try and make a go of it doing it for others. They do not necessarily know about and follow the proper state and federal laws that are in place. Their resources and expertise are limited and you must check their history and track record to be sure they’ll be in business moving forward.

Working with a large, national company does give you more ability to check their background and know that they have been around for a while and will continue to be in business. However, they typically have less than stellar customer service. What can you do if you don’t get results? Is there someone you can talk to?

The Solution – To get the best credit repair service Tampa, ERA Credit Services is both local and national. With a credit repair office in Clearwater and owners that live in Largo you are provided the personal customer service you should expect from a local company. ERA Credit Services is a credit repair company that is a member of the Central Pinellas Chamber of Commerce. You also can have confidence that ERA Credit Services will get you results because they are backed by a national company, Financial Education Services, that has 13 years experience and a credit repair company with an A+ rating with the Better Business Bureau. You get the best of both worlds.

Credit Repair Pricing

Of course, this is a major deciding factor in choosing the best credit repair services Tampa credit or St. Petersburg, Clearwater or any other city in the country. In the credit repair industry there are 2 pricing models.

Monthly Payments for Credit Repair Only – Many credit repair service companies charge a set up fee and then a monthly fee. This can appear to be the best way to go. However, typically companies that charge this way do not address all your items right away. They will address them one or two at a time dragging out the length of time it takes to get you a result. Be sure to ask if all items are addressed right away.

Pay Per Deletion – Companies using this pricing model charge you when they have removed items from your credit report. This actually sounds pretty good, doesn’t it? However, you are usually charged a set up fee in order to pull your credit and give you an estimate of the fees you’ll pay. Companies using this model typically charge between $25 and $500 per item. The difference in price depends on the type of item. For example, a cell phone bill might be $25. However, a bankruptcy or short sale could be as much as $500 per item. And, it’s per item per credit bureau! So, you actually get charged 3 times for removing an item from all 3 bureaus. Therefore, some items could be as much as $1,500.

ERA Credit Services Pricing – ERA Credit Services provides the top credit repair service in the country. They work on all 3 major credit bureaus (Experian, Equifax, and Transunion), address all your derogatory trade lines immediately (first results usually within 45 days), and any type of account including bankruptcy, foreclosure, short sale, judgments, liens, credit card charge offs, medical bills, student loans, late payments and more. Your starting fee is a one-time set up fee of $99.00 and just $89.00 a month with no minimum time period.

Credit Repair is Not Enough

Credit Repair is great but you need more than just credit repair. Here’s what ERA Credit Services provides for just $188 to start and $89/month:

  • The industry leading credit repair service
  • Online monitoring of your service with timely updates
  • Online credit monitoring through Smart Credit™. Get your credit score and updated credit reports 24/7
  • Credit and identity theft protection through Lifelock™
  • An analysis of your credit history with recommendations on other ways to increase your score
  • An online debt payoff system
  • A will, living trust, medical & financial power of attorney
  • Online service where you can list all your important personal and financial documents for your loved ones in case of an emergency

Best Credit Repair Services Tampa, St. Pete, Clearwater

best credit repair services tampa

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Credit Repair Services Tampa

ERA Credit Repair Services Tampa

– We Just Had a Birthday!
Credit Repair Services TampaIt’s amazing how quickly a year goes by. ERA Credit Services just celebrated one year here in the Tampa Bay area. After taking San Diego and southern California by storm starting in 2012 and becoming the best of the best credit repair companies on the west coast, it was time to build credit repair services Tampa.

Before we made this big decision we looked for credit repair companies in Tampa, FL. Not only that, but fast credit repair services in Tampa. Just as we discovered 4 years ago in San Diego, we didn’t find any. So, we set out to provide credit report repair services in Tampa.

But we looked further in all of Florida and saw that the entire state was in need of a reputable company with a lengthy track record and documented results for Florida consumers. So, we set our goals even higher to become the #1 Florida credit repair company.

So, today if someone that needs help removing derogatory items from their credit report to increase their credit score searches on Google, Bing or Yahoo for “credit repair services tampa”, as an example they’ll find us on page 1 most likely. That’s great and we are so thankful for the impact we have already made in the Tampa/St. Pete/Clearwater area.

This question may come to mind.

How can a credit restoration company come to Florida and surpass other companies that have been here for years?

The answer lies in our business model and how we provide service.

Most credit repair services Tampa, and credit repair companies in Florida and around the country deal directly with the credit reporting agencies and bypass communication with the client. Not only is this not best for the client, but it does not follow the process outlined by federal law.

Our clients, including our Florida credit repair clients, receive an online account listing all the negative items affecting their credit score and can use this account to follow the progress. They are in the loop every step of the way. We also send correspondence to the client for their signature before it goes to the credit bureaus. This guarantees the most effective process and ensures that our client will receive updated credit reports directly to their home.

Perhaps the most important factor with regard to clients results and what allows us to be amongst the best credit restoration companies in the country is that we dispute every item for the client immediately. The fact is that most companies do not do this. They only dispute 1 or 2 items every 45 to 60 days which lengthens the process and fattens the fees they charge the client.

The fact that our goal is to remove as many items as possible as quickly as possible not only gives us the ability to provide fast credit repair services in Tampa, it allows us to work with real estate agents and brokers, mortgage companies and banks because they want the quickest credit restoration results for their clients as well.

So we say thank you Tampa, St. Petersburg, Clearwater and Largo. You have recognized our efforts to become the best Florida credit repair company. We will continue to work hard to earn and keep your trust.

credit repair services tampa

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ERA Credit Services is now a Member of the Central Pinellas Chamber of Commerce

Since we began representing United Credit Education Services in 2012, we have always strived to be a part of our community and support local businesses. We realize the challenge small business owners face and the huge benefit of referring business to each other. That is why we are proud to announce that ERA Credit Services is now a member of the Central Pinellas Chamber of Commerce.

Central Pinellas Chamber of Commerce

Since relocating to, and now offering credit repair in the Tampa, St. Petersburg, Clearwater, Largo area last year, we have been looking for organizations that truly promote local small businesses. We have found one of those organizations in the Central Pinellas Chamber.

We are very pleased to be a part of the Central Pinellas Chamber of Commerce.

We have already begun to establish meaningful relationships with business owners in the area. We look forward to helping small business owners with challenged credit as well as real estate, mortgage and banking professionals that need credit worthy clients.

The Central Pinellas Chamber of Commerce is one of the most active groups we have joined. In addition to leads groups that meet every two weeks, there are a variety of events that occur throughout the month that are always well attended by members and guests. As well, there are opportunities to host happy hour or other meeting events for more exposure for our business.

For more than 60 years, the Central Pinellas Chamber of Commerce has been empowering business by providing the necessary tools and resources to help them succeed. This includes networking leads groups, government advocacy and economic development initiatives in addition to programs and events focused on professional development.

If you would like further information about Chamber of Commerce activities and the benefits of joining the Chamber call Membership Director, Kathy Pabst Robshaw at 727-584-2321.

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Credit Repair Company Tampa

In 2014 ERA Credit Services became the newest credit repair company in Tampa Bay. 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

In 2014 ERA Credit Services became the newest credit repair company in Tampa Bay. Our company provides credit repair services in Tampa, St. Petersburg, Clearwater and Largo an as well service the entire state of Florida.

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 a full service credit repair program 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.

What Our Credit Repair Clients Are Saying

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.”

ERA Credit Services, a new credit repair company in Tampa Bay

The best way to learn what ERA Credit Services can do for you is to ‘Book a Phone Appointment’ by clicking below. You pick the day and time. Either Dale or Shirley will personally call you, assess your situation, and explain what they can do for you.

Contact:

Dale & Shirley Guiducci
ERA Credit Services

4500 140th Avenue North
Suite 101
Clearwater, FL 33762

727-222-0120
Email: info@eracreditservices.com
www.eracreditservices.com

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