Tag Archives: Credit Repair Services Tampa

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!

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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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Paying Monthly for Credit Repair?

Paying Monthly for Credit Repair?

If you are paying monthly, or are considering paying monthly for credit repair, this is great information for you. Credit repair or credit restoration, as we like to call it, is the process of removing obsolete, erroneous, and other items that the creditor does not verify as listed accurately on a credit report, from that credit report. The result of going through this process in most cases is an increase in a credit score, sometimes a significant increase.

You, as a consumer can go through this process yourself. That is how the law is set up. However, it is not as simple to Paying Monthly for Credit Repairdo as the credit reporting agencies (Experian, Equifax, and Transunion) make it seem. First, you’ll need to have a copy of your credit reports. You can receive a free credit report from all three credit bureaus at www.annualcreditreport.com

Ultimately, if you decide that you do not have the knowledge, expertise and time to go through this process on your own you can enlist the services of a company to do it for you. Presumably a company that focuses on providing credit repair for consumers has a much better chance of success with the process in addition to saving you time.

How companies charge for their credit repair services and why.

The majority of companies in this industry charge monthly fees to provide the service. The intent by these companies is to make it appear more affordable. However, in many cases it can be more costly while paying monthly for credit repair.

Most credit repair companies that have you paying monthly for credit repair will not dispute all of your derogatory items immediately.

They will only dispute a small percentage of them initially. The process of contacting the credit reporting agencies, then those agencies contacting the creditors reporting those derogatory items, and getting a response back takes about 45 days. However, in most cases you will not be made aware of this time frame nor will you have access to information about how many items are being addressed, or when this first process has ended. It’s quite possible that the credit repair company may choose to take much longer to go through this first phase of the process.

The credit repair company hopes to provide some level of success so you will continue to pay the monthly fee. But if they don’t have any success initially how will you know? Then the credit repair company will address the items that were not removed initially, and address more remaining items, but not all. By the time they address the next set of items you could be going into your 4th month of service. This process is repeated over and over again until all items are eventually addressed.

Credit repair companies charge a wide array of monthly fees ranging from typically $60 per month to over $100 per month. These companies also typically charge a set up fee. Usually the higher the set up fee the lower the monthly fee, but not always.

Contracting a company to provide you with credit repair in this manner can cost well over $1,000 and take a very long time, a year or more. But there is an alternative!

Our company addresses all items immediately. Our goal is to remove as many items as possible and increase your score as quickly as we can.

The reason we do business this way is because, in addition to working directly with consumers, we also have relationships with companies in industries that need credit worthy clients such as real estate, mortgage, banking, automobile dealers, solar companies, and more. In order to help them get people qualified to purchase through these companies and their agents we have to perform quickly. We have to show these companies that we can get a client of theirs in a position to buy from them as soon as possible.

We also report everything we’re doing to our customers though an online portal that we set up usually within 24 hours of the customer starting with us. You’ll see every derogatory item you have with all 3 credit bureaus and can follow the progress including dates of when these items are addressed. We also send you the correspondence that goes to the credit agencies. You are informed in every step of the process.

Paying Monthly for Credit Repair – Our Program

Our monthly fee program is $89.00 per month after a one time activation fee of $99.00. Your first payment to us is $188.00. However, with our monthly program we also offer online credit monitoring so you can see the change in your credit score and credit report 24/7. We also provide identity theft protection through LifeLock and additional services as well. And remember, we dispute all your items immediately. All for $89.00 a month.

Give us a call. We’ll discuss your specific situation and walk you through how it all works free of charge. You can choose which payment option is best for you. Then you can monitor everything we’re doing for you 24/7.

We have offices in San Diego, CA and Clearwater, FL. However, we work with clients from all 50 states.

paying monthly for credit repair

 

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