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 the 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.

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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 is 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. You are provided the personal customer service you should expect from a local company. You also can have confidence that ERA Credit Services will get you results because they are backed by a national company that has 16 years' experience. 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 setup 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.

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and Nationwide

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 setup 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 listing 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 setup fee of $189.00 and just $99.00 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 $189 to start and $99/month:

  • The industry-leading credit repair service
  • Online monitoring of your service with timely updates
  • Online credit monitoring. Get your credit score and updated credit reports 24/7
  • Reporting up to 24 months of previous rent payments and ongoing payments
  • Reporting of utility payments such as electric, water, cable, and cell phone
  • Identity monitoring
  • An analysis of your credit history with recommendations on other ways to increase your score
  • An online debt payoff system

Best Credit Repair Services Tampa, St. Pete, Clearwater

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This article which was originally posted in 2016 is updated regularly and was last updated in July 2023.

ERA Credit Services is an Independent Advisor
and does not provide services for credit repair nor accept funds for credit repair services

ERA Credit Services is an Independent Advisor
and does not directly provide credit repair services or accept funds from clients for credit repair services.