Month: December 2018

Fix My Credit- There Are Two Ways to Do It

American consumers are waking up to the fact that going through life with a low credit score and having poor financial health, is going to impact their quality of life almost as much as their physical health. It seems that everyone wants to know how to ‘fix my credit’ and recover from the mistakes of their past.

The good news is you can recover and restore your credit score and financial health in two ways.

Fix My Credit

The first is to remove, as much as possible, negative items from your credit reports with Experian, Equifax and Transunion, the 3 major credit reporting agencies. There is a specific process governed by federal law that can assist in removing erroneous, obsolete and unverified items from a consumer credit report.

By law, a consumer has the right to fix my credit themselves through the major credit reporting agencies (CRA’s). However, this process is a major expense to the bureaus and does not generate them revenue. Therefore, within the boundaries of the law, they have put up some roadblocks for consumers in making this process accessible while at the same time making it seem very accessible.

That is why credit restoration companies exist. To help consumers navigate through the process and take the burden of time and expertise off consumers. Just like many things we can do ourselves such as work on our own cars, replace our own hot water heaters, etc., it just makes sense to pay someone else who has more expertise to fix my credit for us. So, removing negative or derogatory items from our credit reports is one way of improving our score. And, that is always the first step in improving our credit score.

Fix My Credit – What Else Can be Done Other Than Credit Repair?

Whether we do credit repair ourselves or work with a professional, credit repair impacts just 35% of our credit score. What about the other 65%? Amounts owed, types of credit, length of credit history, and new credit all impact our credit score.

We educate people about how to fix their credit & offer services and solutions.

That is where our company has concentrated its efforts over the past few years and now offers a suite of services at a very affordable rate (just $89/month) to not only restore a consumers score by attempting to remove negative items but educate them on how to proactively increase their score as well.

Here’s a list of services and solutions we offer:

  • Credit Restoration
  • Online Credit Monitoring- See an updated credit report and credit score 24/7
  • Education on Attaining a Positive Credit Score
  • An Attorney specializing in trade line removal and creditor harassment
  • Debt Payoff- a service that teaches consumers how to pay off their debts in up to half the time
  • Identity Monitoring
  • Document Security and Organization- identifies and records the location of all one’s important personal & financial documents
  • And, several money-saving services as well.
  • Restoring a credit score is important, or course. But getting serious about improving and securing one’s complete financial health is imperative in today’s economy.

Fixing your credit is different than fixing someone else’s credit. That’s because what’s on your credit report is different than anyone else. So, in order to share what we’ll need to specifically do for you we would like to speak with you.

Start Repairing Your Credit in Just 15 Minutes for Less Than $3 a Day!

STOP putting up with a poor credit score, not qualifying for the things you want, and having that negative feeling

WE GIVE YOU 4 OPTIONS

Option 1- Call us at 727-222-0120

Note- we are super busy helping our clients. If you get our voice mail please leave a good time to contact you. Thanks!

Option 2- Input your info and we’ll contact you within 24 hours

Option 3- Click below to Choose the Day & Time You’d Like Us to Call

AND, we’ll take $50 off when you book an appointment!


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

This post was originally published in May of 2015 and has been updated for freshness, accuracy, and comprehensiveness.

Credit Repair Near Me

Research tells us that one of the most popular search terms on Google is ‘credit repair near me’. The obvious conclusion therefore is that those in need of help want to work with a local credit repair company. That’s understandable. Working with local companies and business owners is usually preferable.

The typical reasoning is that there is comfort in knowing the person or people taking on this responsibility are within driving distance. You can physically see them versus just having a phone number to call that in our minds, may or may not be answered.

The credit repair industry is different than other financial industries

First, there is no licensing required by any state or the federal government for providing credit repair services. That means that many people claiming to be in the credit repair business may not have the expertise you need. The problem here is that you most likely don’t know what expertise you need either.

Second, small, local companies typically have not invested in the technology larger companies have. It’s important that you as a client have online reporting of the progress of your account. Otherwise even though you may have met this person the first time you’ll be calling all the time to find out what’s happening. Or, you’ll be faced with driving other to their place of business continually.

A Credit Repair Company Near Me

The best solution is to find a credit repair company that is large enough to provide the service you need, the technology required, and the experience to increase your credit score. While at the same time provides you with the service and comfort level of a small, local credit repair company.

ERA Credit Services Has Been Serving the Local Tampa Bay Community Since 2014

ERA Credit Services can help people in all 50 states improve their credit score. We’re partnered with companies that have been in business since 2004 that have an A+ Better Business Bureau rating and are nationally certified.

A Local Credit Repair Service You Can Trust

The best way for you to judge our experience is to talk with us.

Start Repairing Your Credit in Just 15 Minutes for Less Than $3 a Day!

STOP putting up with a poor credit score, not qualifying for the things you want, and having that negative feeling

WE GIVE YOU 4 OPTIONS

Option 1- Call us at 727-222-0120

Note- we are super busy helping our clients. If you get our voice mail please leave a good time to contact you. Thanks!

Option 2- Input your info and we’ll contact you within 24 hours

Option 3- Click below to Choose the Day & Time You’d Like Us to Call

AND, we’ll take $50 off when you book an appointment!


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

Credit Repair Near Me
Credit Repair Business – The Reality

Credit Repair Business – The Reality

It’s a Great Business But…

The changes in the American economy over the last 2 decades have created a huge market of consumers in need of help with their credit report and increasing their credit score. As a result, many people have decided to look into starting a credit repair business.

But just like any other business there are challenges. If you have never attempted starting a credit repair business before there is a lot of information to gather and knowledge necessary to do it the right way. The credit repair industry, like many others, has a high percentage of people that start the business and quit within the first year. Why is that? And how do you avoid being one of those people? This article will cover the points you need to consider.

Laws and Licensing

There are no licenses you need to have to be in the credit repair business. However, you do have a few laws you must consider. And, these laws may be different in each state. The Credit Restoration Organizations Act (CROA), a federal law, states that a for profit company cannot charge fees before performing credit repair work for a consumer. Although many have come up with creative ways to deal with this law it will affect cash flow for a new business owner. However, attorneys, banks, credit unions and 501(c)3 non-profit companies may charge upfront fees. They are exempt from CROA.

In addition, certain states require surety bonds up to $100,000. Bonds will run you between $1,000 and $10,000 every 2 years depending on the surety amount and your credit score. Yes, credit score affects just about everything.

Fees for Service

In addition to deciding how you are going to charge for your credit repair services (if you cannot charge upfront how are you going to charge?) you must also decide how much to charge. Gone are the days when you can charge $1,500 to $5,000 for credit repair services. There are established, reputable companies that charge $90 to $125/month for a very effective service. You’ll have to compete with that when starting a credit repair business.

Initial Investment of Starting a Credit Repair Business

There are typically two ways to go with starting a credit repair business. The first is to purchase all the necessary components such as software, a web site, legal documents, training, etc. separately. We’ve estimated this cost to be about $10,000 in the first year although these items can be purchased on a monthly basis. The other way to go is to purchase a franchise. The investment in a credit repair franchise is between $19,000 and $25,000. Don’t be discouraged if you do not have $10,000. We will give you a third alternative below that has a start up cost of less than $300.00.

Technology

Consumers today expect that a company will have technology in place to allow them to stay in touch and keep track of what’s happening with the progress of their credit repair process. You must provide your customers with the ability to check the status of their account online to be competitive in this industry. Doing this as solopreneur may be an expensive and daunting task.

Skill Sets

If you’re doing it alone in this business you have to be good at three things, marketing, sales and administration. You have to be a good marketer. Selling your credit repair service to friends and family may get you started but you must position yourself as a credit repair expert in your area. You have to get the word out in the community by developing relations with other business professionals that may have clients that need your service. You must have an online presence as well. Not just a website but the ability to drive traffic to your web site. You need to have leads coming to you every day.

Then you have to be great at sales especially when you’re new because you have no track record or credibility to fall back on. You have to sell against local and national companies that your prospective customer is going to contact as well. Even if your company has the same credentials and advantages as other companies how good are you at selling and closing sales?

Lastly, you have to be good at credit repair. Can you pull credit reports (credit report brokers don’t want to supply credit repair companies) and analyze those reports. Do you know how to advise the client as to the probability of removing all types of items (foreclosures, liens, charge offs, medical bills, repossessions, late payments and more). You then have to know the correct dispute codes and reasons that a credit bureau will open a dispute about these items. Then you have to track this information and be prepared to challenge each item multiple times for a client. This is no easy set of tasks.

Time

You have to have time to do all that is stated above when starting a credit repair business. Credit repair business owners can’t find time to develop new customers because they are doing the credit repair work for their existing customers. Or, they can’t find the time to service the customer because they are trying to develop new customers.

The Solution

Everything stated above comes from experience. It seems daunting, and if done on your own it is. However, we have developed a system for new credit repair business owners that addresses and overcomes everything we have discussed here.

All the state laws and requirements are met. You can do business in ALL 50 states right away.

There is a low initial investment of less than $300.00.

This system provides the latest technology for you to offer customers.

There is an online training platform and one-on-one credit repair business coaching.

You utilize a staff to do the credit repair admin work. This allows you the time to market and sell to customers.

In addition, you’ll provide the best, fastest, and most effective credit repair service in the industry.

But the best component to this solution is that you can develop other people that want to build a credit repair business. They are part of your business and you earn income from their production.

It is without question the best opportunity for anyone that desires to start a credit repair business.

For more information watch a Detailed Video & Book an Appointment to speak with us

start a credit repair business

This post was originally published in March of 2014 and has been updated for freshness, accuracy and comprehensiveness.

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

Starting a Credit Repair Service?
What to Consider

We’ve discussed before in a previous blog post, Start a Credit Repair Business for Under $300, that typically there are two options when starting a credit repair service. The first is to purchase a credit repair franchise. The other is to piece it all together and buy all the necessary components to begin your business in the credit repair industry.

Of course, that previous blog post goes on to share how you can become an Independent Agent with our company and have the best of both worlds. You can own your own credit repair business but not have to start from scratch. Everything is provided for you for under $300.

Important Questions to Ask Yourself

There is another important decision to make, however. Actually it’s a question you have to ask yourself. The answer to this question will dictate what direction is the best for you to follow. The question is, “why are you getting into this business?” This is a simple question with a complex and very valuable answer. Typically people get into credit repair for one of two main reasons, or both. They want to help people, and/or they want to make money.

If you want to do either or both you must then ask yourself how many people do you want to help? And, how much money do you want to make? If the answer to either of those questions is a lot, or a significant amount then here is the stark reality of this business. You can’t help a lot of people nor make a lot of money on your own and by yourself.

Time and Money

In order to help a lot of people in the credit repair business you have to have the time and skills to market and sell your service, and do the administrative work on the back end once you get the clients. The time to do both is almost always under estimated by people that have no experience in this industry.

On top of that you have to charge a reasonable fee. The days of charging $1,000 or more for credit restoration are over. There are too many companies out there doing it for far less. But if you compete for business charging a similar small fee you won’t have enough revenue coming in to make it work.

What’s the Answer – A Third Option

There is an answer when starting a credit repair service. Have a network of people running their own credit repair business and get paid a percentage on what they do. They can find customers that you can’t. They can develop relationships in their business community that you can’t.

Our staff does all the credit repair work. Did you catch that? Our staff handles all the admin work so you have time to get more customers! You don’t have to pull and analyze credit reports, and draft dispute letters. By the way, trying to find a company that will supply you with credit reports is next to impossible in the credit repair industry.

While running your own local business you can also build a large operation on a regional and even national scale. This is a concept that any successful company utilizes. Your income then is not just dependent on your own efforts. It’s now derived from the efforts of many others.

Starting a Credit Repair Service – Training

When starting a credit repair service there has to be training available, right? Not only for you, but your network of others building their business. Where will you find credit repair customers? How can you find other people that want to start a credit repair business? How do you talk to these people?

Our company has put together a great training platform. First, we offer an online training program that is flexible. You can go as fast or as slow as your schedule allows. Then you’ll be coached by me, Dale Guiducci. I have developed a credit repair business producing over $1 million in revenue annually. I will teach you the day to day, “in the trenches”, what it takes to be successful in this industry. In addition I do a live training once a week that you can watch as it’s filmed or on replay.

Something Else to Consider

Another factor to consider when starting a credit repair service. What are the laws in your state regarding credit repair? Do you have to register with your state and purchase a bond? By becoming an Independent Agent with our company you don’t need to worry about any of this because we have taken care of all state requirements. You can do business in all 50 states.

If you consider everything you should before entering the credit repair industry you’ll see that our business model is brilliant. It offers you everything you need to build a small or very large credit repair business. You do not have to invest a fortune. You do not have to deal with all the regulations and laws governing the industry. And, you’ll have time to develop a steady stream of customers. You can be in business today.

Watch a Detailed Video and Book a Phone Appointment to Talk With Me

start a credit repair business

This post was originally published in February of 2014 and has been updated for freshness, accuracy and comprehensiveness.

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2014/02/Starting-a-credit-repair-service-603x415.png" alt="Starting a Credit Repair Service?
What to Consider" />
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2018/12/Local-Credit-Repair-Company-ERA-Credit-Services.png" alt="Local Credit Repair Company
Why Choose Local?" />

Local Credit Repair Company
Why Choose Local?

With today’s technology business can be done across the country and even across continents. So any reputable credit repair company should be able to provide service to clients here in the Tampa Bay area.  That’s assuming they have met the state of Florida mandated requirements or are exempt from those requirements.  So why choose a local credit repair company?

Why Choose Local?

There is a certain comfort level when dealing with a local credit repair professional. It helps if they are members of local organizations and have a presence in the community. Also, you get a sense of community spirit from supporting businesses that pay local taxes and generate revenues that are put back into your community.

The Downside of Local Credit Repair

However, in the credit repair industry local doesn’t always mean better. There is no licensing in our in the industry. Therefore people don’t have to prove they know what they’re doing before they begin doing it. That’s not good if they are doing it for you. If you want to do business with a local credit repair company do just a little homework first.

ERA Credit Services – A Local Tampa Bay Credit Repair Company

We’ve been in business since 2012 and are backed by a BBB rating and accreditation. As well, we are backed by a certification from the National Association of Credit Services Organizations. That means you can trust that we know how to repair credit.

Boost 100% of Your Credit Score

Credit repair is a great service. However, it only counts toward 35% of your score. We work on 100% of your score by education you, making recommendations, and providing other services to boost your credit score.

Local Credit Repair Office in Clearwater

Our office is in Clearwater. Find us on Google Maps

Check Our Reviews

We have dozens of reviews from local clients as well as those from around the country. Check Our Reviews

Always Be Informed

We give you a secure online portal so you can monitor the progress of your credit repair process.

$99 Account Activation Fee and only $89/month

The specific length of time it will take depends on the number of derogatory accounts, what type of accounts, and who are the creditors. We can advise you better once we talk with you. But just know…you are always in control. You can cancel with a quick phone call.

Start Repairing Your Credit in Just 15 Minutes for Less Than $3 a Day!

STOP putting up with a poor credit score, not qualifying for the things you want, and having that negative feeling

WE GIVE YOU 4 OPTIONS

Option 1- Call us at 727-222-0120

Note- we are super busy helping our clients. If you get our voice mail please leave a good time to contact you. Thanks!

Option 2- Input your info and we’ll contact you within 24 hours

Option 3- Click below to Choose the Day & Time You’d Like Us to Call

AND, we’ll take $50 off when you book an appointment!


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

Should I Choose a
Local Credit Repair Company?

We have the choice to do business with a local credit repair company in San Diego or a national company. Most people would like to do business locally. There simply is a comfort level doing business locally. Perhaps the thought of being able to find and visit the company should something go wrong is a compelling reason. And, we would more likely want to help out a business in our own economy. This is no different when choosing a credit repair service and perhaps these reasons are even more compelling.

Credit Repair Process and Concerns

In 2012 I was looking for a local credit repair company to refer to some of our accounting clients. I called several of our local San Diego credit repair companies. Most companies that were one woman or man operations. And, they hadn’t been in business very long. I was looking for a credit repair agency with a proven track record.

Local Credit Repair in San Diego local credit repair

There were two or three local companies that did credit repair in San Diego that had a track record but they were very expensive. I was looking for an affordable service for my clients. Then I started calling national credit repair companies that had a track record but discovered that most of them were expensive as well. And, I didn’t get the comfort level that my clients were going to receive personal attention.

I had a bit of a dilemma on my hands until I found United Credit Education Services. They had everything I was looking for in a credit repair agency. UCES had a track record since 2004, proven results, an A+ Better Business Bureau rating, a very affordable price, and a customer satisfaction guarantee. There was only one problem. They didn’t have a local representative in San Diego.

A New Local Representative in San Diego

There are many people in need of a local credit repair company in San Diego. Therefore, I eventually turned over the operations of my accounting business and opened a San Diego credit repair company in 2012. That business has grown substantially since then.  Our clients have a large staff of credit repair experts to rely on. Yet they also have a local representative that will give them the personal attention they need.

My solution to the problem of not finding a local credit repair company in San Diego was to find the best credit repair company and represent them. To learn why we are the best click below to Book a Phone Appointment. We provide a free, no obligation phone consultation. No sales hype. We will assess your situation, explain what we do and let you make a decision. Is credit repair right for you? Book the appointment and let’s find out.

Start Repairing Your Credit in Just 15 Minutes for Less Than $3 a Day!

STOP putting up with a poor credit score, not qualifying for the things you want, and having that negative feeling

WE GIVE YOU 4 OPTIONS

Option 1- Call us at 727-222-0120

Note- we are super busy helping our clients. If you get our voice mail please leave a good time to contact you. Thanks!

Option 2- Input your info and we’ll contact you within 24 hours

Option 3- Click below to Choose the Day & Time You’d Like Us to Call

AND, we’ll take $50 off when you book an appointment!


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

This post was originally published in July 2013 and has been updated for freshness, accuracy, and comprehensiveness.

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

A Home Based Financial Services Business

Is it possible to build a home based financial services business and make the same income, if not more, than at a traditional job? Yes it’s possible. And, it’s wonderful. I can say that because we’ve done it and can show you how.

Your commute is as long as the distance from your bedroom to your home office. You can take breaks and days off when “you” want. And, you don’t have to work with people that someone else hires. You choose who you want to spend time with. home based financial services business

A Home Based Financial Services Business

Our home based financial services business is Financial Education Services (FES). This is the business my wife and I chose to launch and build alongside of our accounting business. Because of the growth of this new business we shut down our accounting business after two years. The reason we chose FES is due to the track record of the company and the nature and pricing of the services they offer.

We were not going to refer our valued clients, associates and friends to a company that was less than solid. FES has been in business since 2004. FES has an A BBB rating.  They have served well over 250,000 clients, and are accredited by the National Association of Credit Services Organizationss (NACSO). The company has maintained the same principal leaders since the beginning, and the company is debt free.

Services Offered by Financial Education Services

Financial Education Services offers services that restore and protect people’s credit, their identity, their family, and their financial future. In these tough economic times nearly everyone is in need of these services. They offer a low cost, effective credit repair program. In addition identity theft protection, a will and trust program, and other services that help people pay off debt faster and improve their credit score. FES has something that everyone needs.

The Business Model

FES is a direct sales company. In the field we are Independent Agents. It’s very similar to the relationship between a State farm Insurance agent and State Farm. We market and sell the FES services while FES and it’s partners deliver the services to our clients. FES also provides the entire technology infrastructure and customer support. The biggest advantage this business model offers is the ability to add Agents into your business. Much like an insurance or real estate broker, we can bring on Agents to increase our business. And, we can add those Agents anywhere in the country. So, it’s possible to build a nationwide FES business from your home office as we have done.

Residual Income

As you grow an FES business you develop recurring revenue and residual income. Again, comparing this to the insurance industry, we get paid every month that a client stays on service. We not only get the revenue from these past clients but we also get new revenue generated by our Agents every month.

What We Most Enjoy About Working with FES

Dale & Shirley Guiducci
Dale & Shirley Guiducci

 

The one aspect of what we do as an FES Agent that I really enjoy is developing relationships with other professionals. People in the mortgage business, real estate agents, bankruptcy attorneys, bankers, and auto dealers. People in these professions all have clients that need to restore their credit. Real estate and mortgage professionals, as well as auto dealers, particularly want to work with us. They have prospective clients that once FES successfully removes derogatory items from their credit report become ready, willing and now able buyers.

We also work from our home office. We enjoy freedom and flexibility with our work schedule which is so rewarding. It doesn’t mean we didn’t work hard building our business. It simply allows us to work when we want and how much we want. Just being in control versus being controlled provides a major sense of satisfaction.

FES is a long term home based financial services business opportunity whose services will be wanted and needed many years from now. There are Agents with FES making a nice part-time income all the way up to those that are making 5 figures a week. So, it has the same huge income potential like many direct sales companies if someone is willing to go to work and build it. We are one of those people and would love to share more.

home based financial services business

This post was originally published in November 2012 and has been updated for freshness, accuracy, and comprehensiveness.

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

Part Time Credit Repair Business

Looking for a Second Income?

You may be one of the more than 35% of Americans today that have, or are looking for, a second income. Starting a part time credit repair business is a great way to generate that second income.

Nearly one third of the country has a 601 or below credit score. That means they cannot qualify for a conventional home loan or get a good interest rate on a car loan or credit card. They need a solution. You can be that solution for them.

Start for Less Than $300

But you can’t spend a lot of time or money starting your part time credit repair business because it’s, well, part time with part time income.  You need a business that’s set up and ready to go with customer support, websites, marketing materials and videos, and everything else you need. You most likely don’t want to spend the $1,000 to $10,000 to purchase a surety bond that might be required by your state either.  And, wouldn’t it be great to start today for less than $300?

Start a Part Time Credit Repair Business Today

We have a turnkey credit repair business all set up for you. You just plug in and go. Do you know people with challenged credit scores? Start talking with them and show them a credit repair solution that is unmatched by any other company.

Do You Need a Boost in Your Credit Score?

When you start your part time credit repair business for less than $300 with us you get all the services we offer. And, you can get them free of charge after you get just 5 customers.  If you watched the video above you already know we do far more than just credit repair. You get the same Protection Plan that you’ll be providing your customers. You’ll experience the products. You’ll see the value in each service. And, you’ll be able to better explain these services to your customers. All free!

Do You Know 10 People?

If you know just 10 people or can talk to 10 people then chances are 3 of them need help with their credit. After enrolling 3 customers in the Protection Plan you’ve paid for your business! After enrolling 5 people your services are entirely free. The rest is pure profit.

$500 to $1,000 a Month

Statistics tell us that the majority of people with a 2nd income or looking for one want to earn around $500 a month extra. If you can get just 5 new customers a month you’ll earn $500 a month from those sales. Plus you’ll be building additional residual income that will keep coming in month after month from your previous sales.

Watch the Video Above and Then Book a Phone Appointment to Learn More

ERA Credit Services and/or it’s partners, Agents or affiliates make no guarantees to the level of financial success our Independent Credit Repair Agents can achieve. Earning substantial income with this opportunity requires hard work, leadership and dedication and some Agents may make no money at all. All income you receive with will depend upon your individual effort and ability. To see our full income disclosure visit Income Disclosure

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

Part Time Credit Repair Business
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2018/12/California-Credit-Repair-Business-e1544345897597.png" alt="Start a Credit Repair Business
in California" />

Start a Credit Repair Business
in California

It can be difficult and expensive to start a credit repair business in California. But it’s not due to the state requirements. Those mandates are fairly straight forward compared to other states. To start a California credit repair business you have to obtain a Certificate of Registration from the Department of Justice.

But before you get that certificate you must also get a surety bond in the mount of $100,000. The cost of the bond can be anywhere from $1,000 to over $10,000 depending on financial history and credit score. The bond is good for 2 years so this will be a recurring cost.

California Credit Repair Business Challenges

The difficulty in starting a California credit repair business is because of the general requirements and competition in the industry. Here’s just a portion of what you must consider to start a credit repair business in any state:

  • You can only accept a nominal account activation fee and cannot charge for services until rendered. This can create a cash flow problem unless your business is properly financed.
  • It is not enough in today’s market to simply have a website. You must have technology that allows for online reporting of your clients progress. This will make you competitive and save you time in the long run.
  • It will be necessary to find a way to pull credit reports and take credit cards. This is far more difficult in the credit repair business than it sounds. Credit report brokers nor merchant services companies like doing business with credit repair companies.
  • You must consider the time it takes to not only provide credit repair to the client but also for marketing and sales. Most people under estimate the time needed for a credit repair business and over estimate the time they can devote to it.
  • Offering credit repair alone may not be enough to be competitive. Larger companies, in addition to being able to keep client cost low, can provide other services beyond just credit repair.
  • Larger companies also can do business in other states. This is important when working with real estate and mortgage companies that want to help their clients outside of California.

A Better Option to Start a Credit Repair Business in California

If all of the above seems like far too much to start a California credit repair business we have a solution. You can become an Independent Agent with our company.

Our company has been in business since 2004, has an A+ BBB rating, and a National Association of Credit Services Organizations certification. As an Agent it gives you instant credibility in the market. You’re not just starting out. Your representing a time tested and certified national company.

It’s your business just like a State Farm Insurance Agent owns their business. Your job is to find clients, explain the services and enroll customers. The company accepts the funds directly from the client. And, they provide the services to the client. They follow all state of California and federal laws under the Credit Repair Organizations Act.

This gives you the opportunity to own a credit repair business in California.  But you can also do business in all 50 states which is a huge advantage when working with mortgage companies that do business outside of California, as an example.

Be Above the Credit Repair Business Competition

Another advantage is that our company provides more than credit repair. We have other services that help our clients reduce the debt they owe, help them build positive credit, and give them online credit monitoring and identity theft protection.  Plus much, much more.

Start a Credit Repair Business in California for Less Than $300

A major advantage in becoming an Independent Agent with us is the upfront investment. The total cost to get started is less than $300.00. That includes a website and an online business portal. You have access to professional marketing materials. You’ll be offering all of our services including credit repair. Your customers get top notch Customer Support Monday through Friday, 9 am to 9 pm. And, you do not have to register with the state of California or purchase a surety bond.

If you would like to learn more visit our website at Credit Repair Business Opportunity.

There you will find a video that explains the details of our business. Take your time and watch that video fully. Take notes and write down questions. Then just below the video you’ll see where you can ‘Book a Phone Appointment’. You’ll get your questions answered and we’ll discuss what it takes to go out and truly build your California credit repair business.

ERA Credit Services and/or it’s partners, Agents or affiliates make no guarantees to the level of financial success our Independent Credit Repair Agents can achieve. Earning substantial income with this opportunity requires hard work, leadership and dedication and some Agents may make no money at all. All income you receive with will depend upon your individual effort and ability. To see our full income disclosure visit Income Disclosure

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