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.
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 that is accredited by 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