Tag Archives: Credit repair St Petersburg

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!

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

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

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

 

Paying Monthly for Credit Repair?

FOR IMMEDIATE RELEASE: New Tampa Area Credit Repair Company Getting Great Results for Clients

Clearwater, FL – June 19, 2015 – ERA Credit Services, an Agent for United Credit Education Services, has 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

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 United Credit Education Services 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.

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.”

The owners of ERA Credit Services, now a new credit repair company in Tampa Bay

Dale and Shirley Guiducci are owners of ERA Credit Services, an Agent of United Credit Education Services. ERA Credit Services now has more than 280 Agents providing credit repair and other financial services to consumers in all 50 states.

Contact:

Dale & Shirley Guiducci
ERA Credit Services

4500 140th Avenue North
Suite 101
Clearwater, FL 33762

727-222-0120
619-492-3040

Email: info@eracreditservices.com
www.eracreditservices.com