ERA Credit Services

Year: 2015

Direct Sales Business Opportunity

If you have experience in building teams, have had success in the network marketing, multilevel marketing, or direct sales industry you are going to want to know about the direct sales business opportunity with Financial Education Services (FES).

Direct Sales Business Opportunity

Financial Education Services is in the financial services industry. 43 million Americans have what is considered a poor credit score, and the majority of adults do not have their basic financial affairs in order. We offer several vital services to consumers to protect their identity, credit, family, finances and future with our core product being credit restoration.

Let us introduce you to a different type of marketing we call “Hybrid Marketing”.

We combine the components of a lucrative direct sales opportunity with the structure and services of corporate America. Because of the nature of our business, our services, and the size of the market for our services there are more options for gaining customers. This creates more opportunity for immediate as well as residual income.

Typically in the direct sales industry a significant majority of the customers using the company’s products or services are the company’s enrolled representatives. Therefore, new customers also have to be sold into the business opportunity at some level. Of course, the effort to gain customers in this manner is worth it for two reasons. One, the new rep using the product can lead to other reps that will use the product. The other is the residual income produced from the monthly consumption of the product or service.

Our services, such as credit restoration, are superior to the competition yet have a lower price point. Our Agents can position themselves against anyone in the market in their area providing a similar service, including traditional corporate businesses, and be in a position to win that business every time.

How our direct sales business opportunity works

The majority of our sales are to customers that are simply consumers and have no involvement in the business. Put simply, our Agents do not have to recruit a new Agent to gain a new customer. This opens up opportunities to build sales revenue and income. Of course, building a large team of Agents in addition to selling to consumers adds to sales revenue, and to monthly and residual income opportunities.

Our Agents can develop relationships with professionals in multiple industries who need credit worthy clients such as real estate, mortgage, banking, automobile and others. These professionals are happy to refer credit challenged clients to our Agents because our service can help that client become qualified to do business with the professional who referred the client. A good example is that of a real estate agent that has a client with a credit score that is preventing them from buying a home. The real estate agent has a huge incentive to refer that prospect because they can potentially gain a commission worth thousands of dollars. The built in incentive to refer business to our Agents creates a situation where an Agent can make a significant income without recruiting if they so desire. Think of the people that really like selling but are not very strong recruiters.

However, this ‘business to business’ relationship opens up opportunities for recruiting new Agents as well.

In many cases the real estate agent or mortgage professional becomes an Agent with our company to earn the income associated with the sale of our service in addition to helping their clients. Many of our top producers began their career with our company in this manner.

Have you ever spoken to someone about your direct sales business opportunity that wanted and/or needed to make a strong income right away and was discouraged about the low amount they could make on an individual sale? With this opportunity, an Agent can earn up to $150.00 per sale on our core service, credit restoration. If they also combine that with bringing on board new Agents they can build that up to $380.00 per sale in 3 months or less. That eliminates the objection of not being able to earn income right away. Many of our Agents start part time but come on board full time for this reason. Others start full time right away.

We also have a very strong residual income component to our compensation plan in this direct sales business opportunity. And, because of the opportunity to sell to consumers as well as recruit a team of Agents, it can build quickly. We have the transactional type of sale described above but we also have the opportunity to sell that same service, credit restoration, packaged together with other credit building, monitoring and protection services for $89/month. This creates monthly residual income.

In a conservative theoretical scenario, if an Agent got one sale a day, 5 days a week, of the $89/month program through referrals from real estate, mortgage, banking, automobile professionals, or warm contacts they could be earning about $3,000/month residual income at the end of a year even factoring in attrition of customers. This is without recruiting one single Agent.

Now factor in recruiting of Agents. Theoretically, let’s say that an Agent recruited one Agent per month that did the same thing as described above. That Agent would earn close to $50,000 that first year and build up a residual income of over $7,500/month going into the second year.

This does not account for commissions from other types of sales, bonuses, overrides or any other compensation. It’s only from the direct sales of the services.

Everything described above creates a lucrative opportunity for the individual that simply wants to sell services, and for those that want to build and manage a large team of Agents. However, it’s our training curriculum is the key to driving sales and building a productive team of Agents. We offer video, conference call and webinar training for our Agents. We also have live regional seminar training and national advanced trainings to teach Agents the mind set and skill set needed to be a successful business builder.

Financial Education Services (FES) has been in business since 2004. We have maintained a consistent 30% annual sales growth and an A+ rating with the Better Business Bureau. However, even though FES has been in business for 12 years, if you are looking for a ground floor opportunity pay close attention. FES has only been operating with the existing direct sales model for the last few years. We have less than 7,500 Agents nationwide. If you know how to build and manage sales teams the opportunity with FES is outstanding.

If you’re a direct sales, network marketing, or multi-level marketing professional and are experienced at building teams think of what you could do with this direct sales business opportunity.

direct sales business opportunity

 

Outside Sales Opportunity

Looking for an Outside Sales Opportunity?

Because of the nature of our business and the large market of consumers that need our services there are many ways to generate leads and business. However, one of the best ways to do so is to work with professionals in other fields that require credit worthy clients. This provides a lucrative outside sales opportunity.

Outside Sales Opportunity

Real estate agents and brokers, mortgage brokers and loan officers, bankers, and automobile salespeople and dealerships need clients that have a certain credit score to finance what they’re selling. Often, in some cases up to 50% of time, these professionals start working with a prospect that cannot qualify for that loan. That means a significant amount of time, energy and money they have spent does not result in a closed transaction.

That’s where you come in. You become a resource for these professionals. They refer their credit challenged prospects to you. You educate and enroll their prospect into our credit restoration program. Our staff of credit consultants works to build the clients credit score.

What if you can help a real estate agent close even just 2 or 3 more sales in a year? That’s a significant increase in their income for just referring you some clients.

We also partner with bankruptcy attorneys, debt settlement and loan modification companies, insurance and tax professionals. The opportunities to gain referral business abound.

We have a proven methodology that you will learn through our training and mentoring program that will teach you exactly where to find these professionals, what to share with them about our service, and how to develop this business. Your referral source and you will have online access to the client’s progress so when they have reached the credit level required your referral source can begin the process of selling them that home, car, etc.

You can earn income from day one and you can earn monthly residual income as well.

In addition to income you earn during the month from new sales, in a very conservative scenario you can have over $4,000 a month coming in over and over again for work that you’ve already done. And, you can also utilize other proven ways to generate business as well.

We’re excited to show you what we have to offer. If you’re the right person we’d love to speak with you.

outside sales opportunity

 

Work from Home in Financial Services

Work From Home in Financial Services

There’s a growing need for people who want to work from home in financial services. Since the economic collapse in 2008 several factors have created new emerging trends in the financial services industry. Baby boomers are turning into seniors, and Gen Y is changing from care free spenders to careful managers of their finances. Many in their 40’s and 50’s are finding it difficult to find and keep employment that pays them what they need or are accustomed to. And, there are a shocking number of individuals that are still trying to recover from the collapse during the last decade.

Work from home in Financial Services

There is also the rapid rise in identity theft, the fact that 43 million Americans have a poor credit score, over half of Americans have no retirement program, and the average debt to savings ratio is 450:1.

Because of these factors there is an overwhelming demand by Middle America for affordable services that will help them protect their identity, credit, family, finances and future.

As a result many Main St. versus Wall St. companies are now offering services to consumers. These companies are putting affordable services into the hands of the average consumer while Wall St. firms continue to vie for the wealthier clients. All of this creates opportunity.

One such company, Financial Education Services (FES), has taken it one step further.

Because of the demand by individuals to find lucrative career opportunities as a small business owner, FES has combined the advantages of having a corporate infrastructure with an entrepreneurial opportunity for individuals who want to start their own business and work from home in financial services.

FES and its growing team of Independent Agents across the country offer services that address the needs of the majority of Americans. Because of the growth of FES over the last 11 years they have been able to take several of their services and bundle them into a Protection Plan for an affordable monthly payment. Their Agents can sell this Protection Plan and also sell some of these services individually.

One of the features of working with FES as an Independent Agents is the ability to work with professionals in credit related industries such as real estate, mortgage and banking to assist consumers and help them qualify for a mortgage, line of credit, and other credit related offerings. The relationship between a real estate agent, and FES agent and a consumer trying to purchase a home but having a low credit score creates an opportunity for all involved.

FES Agents can work on a part time basis while they maintain their current employment. Some in real estate, mortgage and other credit related industries find that offering FES services directly to their clients increases their ability to close more transactions. Others work with FES as a full time career and earn significantly more than they would working as an employee.

FES has an extensive training program consisting of online and conference call sessions, as well as seminar trainings conducted on a regional and national level.

Financial Services Business

Finding Success After 50

Finding Success After 50
It’s Possible with the Right Vehicle

It may be that most people that haven’t achieved the career goals they set out for themselves by the time they’re 50, especially those of us that consider ourselves entrepreneurs, decide that it may be too late. But just as I found out, there are opportunities for finding success after 50.

Finding Success After 50

I guess I was one of those people. There was still a spark but I realized that a business would have to come along that had a success formula that I could follow. I had started a few businesses that just didn’t pan out. They weren’t total flops but they weren’t a rocket ship to success either. I spent some time helping my wife, Shirley build her accounting business. At least that business was paying our bills.

Then I fell into something completely unexpected. It was a fluke. I really wasn’t actively looking for something but I guess I was very open to something if it came along. And, something did.

How I was successful at finding success after 50

I was searching for a credit restoration company, or what a lot of people call credit repair. We had some accounting clients that needed that sort of help. I called many companies and really wasn’t excited about any of them. Then a few months later a guy that I knew from 20 years ago posted something on Facebook that had to do with credit restoration.

I called him up and he told me about what sounded like a pretty solid company. I offered to refer him some business but he suggested I check out the business myself. So, over the course of the next several weeks Shirley and I took a pretty hard look at it.

I eventually traveled to Las Vegas to go to a weekend seminar training the company was holding. And, that was the weekend that changed everything.

This company had much more than credit repair. It had a whole suite of financial services products that everyone needs and most don’t have. These services were affordable. They (should be The) compensation plan was lucrative. There was a residual income component, which is something Shirley and I were looking for anyway. There was also the opportunity to build a sales team all over the country if I chose. But the greatest asset this company had was training for me, and for that sales team when I build it.

I jumped in full time while Shirley ran the accounting business. And, as time went on it became apparent that this was a great fit for me. Shirley began to work with me as much as she could and she fell in love with the business also.

Now, 3 years later she maintains just a few of her old clients and is pretty much full time and works side by side with me building this business.

In those 3 years we have become one of top producers in Financial Education Services. We have won numerous awards including Outstanding Achievement, #1 in sales and #2 in recruiting in 2014. We have been in the company magazines several time and was featured in the issue that came out in September of 2015. Financial Education Services (FES) has been the best company I’ve ever worked with because it provides a sound corporate infrastructure but allows me to be what I love being, an entrepreneur.

We now have Agents in over 35 states but are most definitely continuing the search for quality entrepreneurial mined people. FES requires hard work and a dedication to getting trained as a professional. Not everyone will want to put into it what is required. But for those that do it’s a great vehicle to help someone achieve their goals no matter what their age.

If you’re a mature business person and can bring your skill set to the table along with being coachable to learn this powerful system, you have possibility of finding success after 50. For more information click the link below.

finding success after 50

 

Starting a Credit Repair Business
It’s Not That Easy

More and more people are interested in starting a credit repair business. There are many companies out there selling software, websites, training certificates and more. In their advertising these companies make it sound so easy to use their products and make a lot of money. But think about it. These companies are selling other people their products and are not in the credit repair business themselves. Maybe they realize starting a credit repair business isn’t that easy. In fact, most credit restoration businesses fail in the 1st year.

Starting a Credit Repair Business

It is true that about 43 million American consumers have a poor credit score. It’s also true that 4 in 5 credit reports have errors on them. And, the criteria for lending having tightened dramatically. It would seem that people would be knocking down the door of anyone claiming to be able to increase their credit score. But it’s not the case.

Starting a credit repair business and making it a success is difficult. Here’s why…

You Must Know How to Find Motivated Clients

#1– People can live with poor credit their whole lives. Not everyone with a sub 600 credit score has the need or desire to increase their score. Their poor credit score only hurts them if and when they attempt use their credit. Such as when trying to qualify for a mortgage or car loan. With regard to buying a car they’ll still be able to make that purchase albeit with a higher interest rate. The bottom line is that you have to work hard and be a savvy marketer to find clients. Then you have to be a very good salesperson to convince your prospect to do business with you. Especially if you’re just getting started because you have no track record.

Unless You are Well Capitalized You Could Have a Cash Flow Problem

#2There’s a federal law called CROA. This law prevents a company that is not a 501(C)3 non-profit, attorney or bank from collecting up-front fees for credit restoration services. Yes, you can charge a nominal set up fee. Most people discount it’s affect because they wrongly assess that monthly fees will make up for it. Here’s the problem. Most people will not continue to pay monthly fees unless they see results quickly. People are impatient and want an increase in their score right away. If they don’t see it they will stop paying the monthly expense. Therefore you’ll have a cash flow problem. You’ll not see the return on your investment of time, energy and money. And you’ll likely fold within your first year. This creates more difficulty in starting a credit repair business.

You Must Price Your Services Competitively

#3– The days of charging thousands for credit repair are over. Ten years ago, even five years ago companies charged thousands of dollars for credit repair. Some still do but the tide is turning. Many companies like ours charge a lot less than even $1,000. Therefore the big profit margins in the industry just don’t exist. If you calculate what you earn hourly you may as well get a part time job and not have the headaches.

You Must Wear All the Hats

#4– There’s not enough hours in the day to build a successful credit restoration business from scratch. People severely underestimate the time it takes. You have to promote the business. Then sell to clients and follow up with clients. Then put in the time to dispute items to the credit reporting agencies, and everything else that goes along with it. This factor alone leads to most people failing in the first year.

There is however a way to start a successful credit repair business.

Work with a company that does all the back end work of analyzing credit reports, drafting dispute letters, providing customer support, and adhering to state and federal regulations. Our company does that and provides a website, an online tracking system, and training. As an Independent Agent our job is to market and sell. This frees up the hours needed. However, that’s not enough. You still have to do more sales volume than one person can do to achieve a significant income.

How do you achieve more sales volume than you can do yourself? Develop a team of Independent Agents. The fact is that no matter the business model chosen there simply isn’t enough hours in the day to make a credit restoration business work on your own. You need help. By developing a team of Independent Agents who are, in turn, building their own Agency you can develop a significant income into the tens of thousands per month. You could never do that on your own.

If your goal is to do credit restoration on the side and make very little money then go buy software and have a go at it. But if you want a long term career where you can earn a significant income and eventually stop working because you have a substantial team of Agents working for you, then contact us. The support you’ll receive will go a long way to help you in starting a credit repair business.

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Choose the Best
Network Marketing Company

If you just searched on the internet for ways to determine how to choose the best network marketing company you saw that there are dozens of articles and blog posts on the subject. I have done so as well and want to share with you a company that passes every test that I have come across.

Best Network Marketing Company

Please note that we represent Financial Education Services (FES) and have since 2012.

My wife is now also full time and we are partners in building our business. FES has helped us replace two full time incomes. I would like to be clear and obvious to the reader that we are looking for solid, hard working, individuals that are, in turn, looking for a network marketing opportunity. However, don’t let that take away from the fact that this company is well worth researching as a part time or full time career.

So what are the attributes of the best network marketing company according to every article about the topic?

Let’s take a look at what they say and then describe the attributes of the FES.

Longevity– look for a company that’s been in business at least 5 years so you know that it has survived the period in which 95% of all companies fail.

FES- has been in business since 2004. Started network marketing business model in 2010.

Capitalization or Debt Owed– Find a company that is not leveraged to the hilt. They may have a great product and compensation plan but if the company doesn’t survive it won’t matter.

FES- is a debt free company and is growing consistently with a 30% to 100% annual sales revenue increase. It should be noted that FES carries an A+ BBB rating.

Ownership– Articles do differ on this topic. Some state that you should look for companies that still have the original ownership. Others say that the company should be publicly traded so that you can view financials. You’ll have to go with what you’re most comfortable with.

FES- is privately owned by the two gentlemen that started the company in 2004. They bring over 30 years of experience from the financial services industry. They have also teamed up with two people that bring over 50 years of experience of training and building sales teams in the network marketing industry. Their goal is to have the best network marketing company possible.

Product or Service– There should be a strong need for the product or service. The product or service should be unique and not easily purchased elsewhere. The product or service should be manufactured or delivered by the company and not outsourced.

FES- the core product is credit restoration. If you have stellar credit simply ask friends or any real estate agent or mortgage broker about the number of people with challenged credit. And, you can’t get credit restoration from a reputable company at a retail store. In addition, FES has a dozen other services such as online credit monitoring, identity theft protection, and a will and living trust. Lastly, the credit restoration service is provided by United Credit Education Services which is operated by the ownership of FES. United Credit Education Services also has an A+ BBB rating.

Inventory– Do you have to buy inventory when you start and/or continue to buy inventory?

FES- there is no inventory to purchase. However, FES does offer a Protection Plan to its Agents that contains all the services it offers for just $87/month. It’s a benefits package that also includes up to $100,000 in life insurance. An added feature is that, as an Agent, once you have 5 Protection Plan Customers or Agents on your team that are on the Protection Plan, your benefits package is free.

Customer Purchases– Will customers buy what you’re selling without becoming part of the business opportunity?

FES- the credit restoration service is sold to thousands of customers each year that are not Agents of FES nor ever become an Agent. In fact, a significant amount of the sales comes from referrals from professionals in credit related industries such as real estate, mortgage, banking and automobile.

Immediate Income– can someone earn income quickly or do they have to build a large team first?

FES- the commission alone on the credit restoration service is up to $100.00 giving a new Agent the opportunity to earn $400 per month on one sale a week, or $2,000 a month on 5 sales a week. This has nothing to do with building a team or recruiting. This does not include the residual income from each monthly payment your client makes.

Compensation Plan– Is the compensation plan designed to encourage building deep (helping your team) versus building wide (only helping yourself)?

FES- the compensation plan is designed to build deep. In fact, you only need 5 people front level to reach the top position in the company. And, part of the qualification for each new title and increase in pay is that you help others on your team.

Marketing and Technology– Does the company provide a customizable website, customizable marketing materials, and other marketing collateral both online and offline?

FES- Provided to each Agent is all of the above and very comparable to the top companies in the industry. Also, there are marketing videos, a CRM, and landing pages for each Agent.

Training– does the company provide online and offline training opportunities?

FES- There is a full curriculum of training consisting of an online video library, a series of weekly conference calls and webinars conducted by the top people in the company, and a series of live seminars that are conducted in cities around the country. This gives Agents the opportunity to learn from the top producers in the company on a regular basis so: 1) they do not have to rely on their sponsor’s level of knowledge or experience 2) they can develop a nationwide team and plug those people into the training system regardless of their own level of knowledge and experience.

I realize you may want further details on any and all of the above topics. As well, there may be other criteria that you may want to look into. This was written with the sole purpose of getting you to consider FES and contact me for more details.

FES may not be the best fit for you. You have to be or become passionate about what we do to help people with matters of personal finance. As well, you have to commit to your success in the business, be willing to get trained and execute what you learn. Success with any opportunity requires hard work and dedication.

Why contact us?

That’s a great question as well. In more than one article written about how to find the best network marketing company it suggests you enroll under someone that has proven and documented success with the company.

My wife and I (Dale & Shirley Guiducci) are full time with FES. We have reached the position of Vice President. As I stated above, FES has replaced both our previous incomes.

In 2013, our 1st full year, we were #2 in Sales and #2 in recruiting. We received the “Most Improved” award and were in the top 5 producers during a 5 month long annual Cruise Contest.

In 2014, we were #1 in Sales and #2 in recruiting. We received the “Outstanding Achievement” award and were #1 in the annual Cruise Contest. We were also inducted into the FES Six Figure Club.

In 2015, we were #2 in sales and #3 in recruiting. We received the “Leadership” award and were #3 in the annual cruise contest.

In 2016, we were #4 in sales, recruiting and was the #4 Most Valuable Agent in the company. We were again, #3 in the annual cruise contest. Also that year we reached the 1st level in the companies R&R Club and were awarded an Audi A5.

Feel free to visit the site we built for our team of independent Agents, EntrepreneurSkill.

Dale & Shirley host national training conference calls and webinars. And, have conducted live company overviews and trainings around the country from San Diego to the Tampa Bay area. Dale is also a trainer with Entrepreneurs International. A company founded by entrepreneurs, for entrepreneurs. EI teaches people the skill set and mind set necessary to be a successful entrepreneur.

We look forward to first providing you with further details so you can make an independent judgement and determine if FES is the best network marketing company. Then we would like to get to know you and have you learn about working with us. If all that feels and looks right then you can truly make an informed decision about your next career move.

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Supplement Retirement Income – Use Your Skills, Work From Home

Some people who have recently retired from their job are not looking to settle into playing golf every day. Or, they may need to supplement retirement income. And, of course, many people of early retirement age have a wealth of experience and want to maintain an active daily schedule.

supplement retirement income

According to a Global Entrepreneurship Monitor (GEM) report, 18% of those involved in early entrepreneurship are over 55 and 7.9% are over 65 years of age. That number could be as high as it is due to many older people finding it difficult to procure employment that will pay them for their experience and skills. Or, they simply have worked for someone else for so long they want to be their own boss. Therefore they choose to start their own business.

In any case, starting a business from home is a great solution to supplement retirement income.

Our company, ERA Credit Services, working in conjunction with Financial Education Services (FES) has a business opportunity that may be a great fit for some of these people. It involves helping individuals get their personal finances on track, has services that the majority of the population needs, requires a low start up cost, provides a comprehensive training program, can be very lucrative, and can be done from home on a part-time or full time basis.

Our flag ship product is a set of financial services that helps people increase and protect their credit, identity, family, finances and future called the Protection Plan. The core service is credit restoration. Although we speak to everyone about our services our best source of clients is referrals from professionals in credit related industries such as real estate, mortgage, banking, auto, solar and other industries.

Many of our independent agents are people who want to supplement retirement income by using the skills and experience they have to develop relationships with these professionals and build a pipeline of customer prospects. In addition, those with management skills can build a sales team to create leverage in developing a string residual income.

FES has been in business since 2004 and is headquartered in Farmington Hills, MI. They have an A+ rating with the Better Business Bureau and conducts business in all 50 U.S. states. The flagship service, credit restoration provided by their credit restoration division, United Credit Education Services which also carries an A+ rating.

For more information, visit the ERA Credit Services website or call us at 727-222-0120.