You Can’t Create Momentum When You Have to Create Everything
You’ve heard the saying, “You don’t know what you don’t know”? I resign myself to this many times when I’m talking to people that call me for information on how to build a credit repair business.
The first stage of someone learning about starting a credit repair business almost always begins with changing a preconceived mindset that they have to build it all themselves. Because what they don’t yet realize initially is the enormous amount of time, energy and money it will take to build it from scratch.
Even if they do learn how to build a credit repair business all on their own what they don’t often think about is how they’ll compete against other companies with experience, technology and track record. And, what about the state and federal laws they have to navigate through? These laws cost more money and limit the amount of revenue and profit they can earn.
Let’s say they get through all of this and build a credit repair business on their own. Great! Now, how are they going to find the time to get clients, not just a few but hundreds of clients, and deliver the service to those clients?
There’s another saying, “If you want it done right, do it yourself”. That saying is what unsuccessful people abide by. Successful people use the efforts of others that know more than they do about how to do something. That’s how they get more done and build large, successful businesses.
Build a Credit Repair Business for Less Than $300
What if there were a way to build a credit repair business for less than $300 total start up costs? It includes training on exactly what to do to get a steady stream of clients, staff to provide the service delivery to the clients, technology to keep them and their clients informed, and access to all the marketing materials they’ll need.
And, what if someone could build it small, or build it all over the country by incorporating the efforts of other Independent Agents? And, learn directly how to build a credit repair business from a top producer in the credit repair industry. Not just someone that teaches, but someone that is currently running a successful credit repair business.
This opportunity exists. It takes an open mind to understand a different type of business model and it takes training and hard work. But if someone is willing to learn and work hard they can be where they want to be in a far shorter time.
Searching the internet for the best credit repair company in San Diego is a daunting task. Then you have to call each one to find out how they work, how much they charge, and if they are right for you. And, of course, you want to work with the best credit repair company in San Diego. But how do you make sure?
Key Considerations When Choosing A Credit Repair Company
State of California Requirements
There are no licensing requirements in California to perform credit repair. However, to operate a credit repair business in California a company or individual must have a $100,000 surety bond. Or, they must be a 501(c)3 non-profit organization, attorney or bank and therefore be exempt from needing a surety bond.
ERA Credit Services is backed by a 501(c)3 non-profit and is therefore able to offer credit repair services in California and all 50 states.
Because there is no state testing a consumer can’t be sure of the knowledge and expertise of someone claiming to do credit repair. Therefore you have to go by experience, ratings, and certifications. How long have they been in business? Are the rated and/or accredited by the BBB? Are they certified by the National Association of Credit Services Organizations (NACSO)? These are indications of a solid, reputable San Diego credit repair company.
ERA Credit Services has been operating in San Diego since 2012. We are backed by an A+ BBB rating and accreditation. And we’re also backed by a NACSO certification.
How Fast Are Your Negative Items Addressed?
To find the best credit repair company in San Diego you’ll want to ask how quickly the negative items on your credit reports will be addressed. The reason this is an important question is that most companies will only address 1 or 2 items at a time. This prolongs your service, your fees, and your results.
The credit repair service we offer challenges every derogatory item on each of your 3 credit bureau reports immediately. No matter how many there are.
What Else Do They Do To Increase Your Credit Score?
Credit repair is a great service. As negative items are removed you improve your credit score. However, credit repair affects only 1 category out of 5 that makes up your credit score, payment history. Payment history accounts for 35% of your overall credit score. What about the other 65% of your credit score? What do they do to to maximize the increase of your credit score?
We provide the best credit repair service in San Diego. But we also provide other services to help increase the other 65% of your credit score. To learn more about all the credit enhancing services we provide visit Credit Repair Services.
Keeping You Informed
When talking with a credit repair company ask them how they keep you informed of what they are doing for you and the progress of removing derogatory items from your report. Typically the biggest complaint by consumers is that they were not kept informed of the progress of their credit repair service.
When working with ERA Credit Services we provide you with a secure, password protected online account. You’ll see a summary of the accounts we are working on for you. You’ll see when any action occurs on your account. You’ll have video tutorials on all the services we provide you. And, you’ll have a dedicated phone number to get support from 6 am to 6 pm, Monday through Friday. And you’ll be able to call our San Diego number on Saturdays. To see our online customer portal and learn more about all the services we provide to you for one low fee, visit Customer Online Account.
The Way We Do It – The Best Credit Repair Company in San Diego and the Country
We charge a one time activation fee of just $99 and then only $89/month. We address all negative items immediately. Our goal is to increase your credit score as fast as possible. It includes all 3 credit bureaus, as many items as are on your reports, regardless of the type of item it is (cable bill vs. foreclosure). We provide you with online reporting. You can log in and see the activity on your account 24/7. We send the dispute letters to you for your review so you’ll see that we are working on every item you have right away. We also provide you with other critical services to increase, monitor and protect your score.
We provide the fastest, most effective results in the industry.
This short video will tell you about all about our credit repair company and credit repair service.
Then click below to ‘Book a Phone Appointment’ so we can learn about you and explain further how we can help.
Now that you know more about us…Book a Phone Appointment!
This post was originally published in January of 2014. It has been updated for accuracy and comprehensiveness.
More and more people today desire, and sometimes need, to find a work from home business.
Stay at home parents, retirees and others want an opportunity to work from home and generate supplemental or full time income. Over 20,000 people around the U.S. are taking advantage of our work from home credit repair opportunity. Some are working with us part-time to supplement another income. Some develop it into a significant full time income. But the key is that they all work from home.
What’s the Market in Credit Repair?
Nearly a third of Americans have a credit score lower than 601. That is the designation point between poor and fair credit. Of course, in order for these individuals to improve their financial situation they need to raise their credit score. Getting credit for a home, a car, credit cards and far more requires a favorable credit score.
How Do We Find People with Less Than Favorable Credit?
This is an exciting part of our business. All we have to do is develop relationships with professionals in credit-related industries. Industries such as real estate, mortgage, banking, solar and automobile in particular. These industries need people with a favorable credit score to qualify for financing to purchase what they sell. In the solar industry, as an example, up to 50% of customer prospects cannot qualify for financing due to credit score. They have no solution to the problem.
You Become the Solution with Our Work From Home Credit Repair Opportunity
Professionals in credit-related industries are happy to refer their credit challenged clients to our Independent Agents. Your role as an Independent Agent is to sell people our services. Most of this is done over the phone. You will want to go out and meet people in real estate or the mortgage business perhaps but client work is done from your home office. Customer support and service delivery (credit repair & other services) is provided by our corporate office team.
You Can Market to People in All 50 States
There are no restrictions or territory boundaries. Our parent company has cleared the way for our Independent Agents to offer our services in all 50 states and U.S. territories. Technology and cell phones allow us to market and sell our services as if we were next door.
If You Like People You Can Learn This Business Quickly and Easily
Our training program and one on one mentoring help you learn exactly how to do it. There are some things you need to bring to the opportunity. Does it require sales skills and comfort level to speak to people on the phone? Yes. Do you need creativity to attract people to reach back out to you? Yes. Does it require consistent dedicated hours every week? Yes. Does it require an entrepreneurial mind set? Yes.
The rest is in place. A website, online marketing materials, sales funnels with landing and thank you pages, email drip campaigns, example social media posts, videos about our services, and live customer support to take over after the sale, is all in place.
With this work from home credit repair opportunity you can earn income from day one.
Our Independent Agents are paid weekly on the previous weeks sales. You can also 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 $2,000 a month coming in for work that you’ve already done. And, just keep building upon that.
We’re excited to show you what we have to offer. If you’re the right person for a work from home credit repair business we’d love to speak with you. But before we do that watch this video. It’s 30 minutes long so watch it when you have that period of time to devote to it. Take notes. Write down questions. Then after you’ve watched the video click below to Book a Phone Appointment with Vice President, Dale Guiducci. He’ll answer your questions and share how he has built a multi-million dollar business from home over the last 7 years. You may not want to generate millions but what if you did even a small percentage of that?
Now to learn more about our work from home credit repair business opportunity…
Go Ahead & Book That Phone Appointment.
This post was updated from a previous post published in November, 2015. It has been updated for accuracy and relevance.
When you come up with the idea to start a credit repair business it seems pretty simple. But after doing some research you realize that there’s a lot to it. And, it’s going to take more time and money than you originally anticipated. Even just the basics can be hurdles to jump over. But I’m hear to give you good news. You can start a credit repair agency and do it today!
Federal and State Laws have to be researched and overcome. Can you afford to not accept upfront fees? And, can you afford the surety bond if one is required by your state.
You’ll need to find a way to pull credit for your clients or are you going to have to ask your clients to pull their own? Or, maybe they sign up for a credit report service and give you their username and password. That’s not ideal.
Then you become aware that it’s next to impossible to find a merchant services company to work with someone in the credit repair business. So, how are you going to be able to process credit and debit cards?
Maybe you know how to build a website, maybe not. But that has to be tackled for sure.
In order to start a credit repair agency you have to have credit repair training…
Oh, and marketing materials like business cards, brochures and flyers. Too bad you couldn’t have a high quality video.
And all that’s just for starters. You haven’t yet figured out who’s going to do the marketing, the sales, and deliver the credit repair service. Oh wait, that’s all on you!
What If There Were a Way to Start a Credit Repair Agency TODAY?
Well, there is! Our company has been in business since 2004 and offers an opportunity for you to own your own credit repair business as an independent Agency. It’s very similar to a State Farm Insurance Agency. You would market to and sell to customers and the parent company delivers the services.
All federal and state laws have been satisfied so you can not only do business in your state but ALL 50 STATES!
The company pulls credit for your clients.
All credit and debit card transactions are processed by the company.
You’ll have an expert staff that analyzes credit reports and drafts the dispute letters.
You do not need any software or even need to learn how to write a dispute letter.
The company gives you a customized website.
Professional, compliant marketing materials are available including professional marketing videos for you to use.
And, because they deliver the credit repair service you can simply concentrate on marketing and sales to help even more customers.
You’ll have an excellent online training platform so you don’t have to leave your home or office to learn the basics. And, you can do the training anytime you want.
Would you like to learn this business from someone that is a multiple award winner and has brought in over $ 4 million in revenue? You will. You’ll have one on one coaching and get weekly LIVE training from me, Dale Guiducci. I will teach you EXACTLY how credit repair works and make you an expert for your clients.
But It Gets Even Better Than That
You’ll be able offer far more than just credit repair to your clients. Don’t get me wrong. Credit repair is a great service. It increases consumer credit scores. In fact, we’re very good at it and have been since 2004. We’re (NACSO) National Association of Credit Services Organizations certified and our credit repair division has an A+ Better Business Bureau rating.
But credit repair only works on Payment History which makes up just 35% of a credit score. What about the other 65%? You’ll have other services to provide to your clients at no extra charge that will affect 100% of their credit score.
You Could Be in the Credit Repair Business Today!
Become an independent Agent with us today. Everything mentioned here is provided to you immediately. You could be out talking to customers and enrolling them today!!
A Credit Repair Agency is a Great Way to Start a Part Time Credit Repair Business
If you have to initially get started with a credit repair business part time this is perfect! The company provides you with everything you need so you can do this with 10 hours a week or more. How would you be able to start a credit repair business on 10 hours a week on your own?
But Here’s the Best Part
If you’ve done the research you know that to start a credit repair business could cost you $10,000 and far more. So, if I told you that it would cost just $5,000 to start your own Agency you’d probably be thrilled.
Relax Because You Can Start a Credit Repair Agency for Less Than $300!
But you have to do something before you jump in.
You have to watch the 30 minute video below to learn the details on our credit repair services, the cost to the customer, your compensation, our business development opportunity, our credit repair business training and how to get started. Once you’ve done that then you’re ready to book a phone appointment with me to get your questions answered and start your Agency if you’re ready.
So, go ahead and watch this video. Then book that phone appointment.
You’ll be speaking directly to me, Dale Guiducci. Here’s a little about me…
I decided to start a credit repair agency in June of 2012. Since then I have become one of the most successful Agents in the country. I have won every major award and contest the company has. But more importantly I’ve helped others become successful in their own Agency which is what I want to do for you.
Over the years in my blog and in videos I’ve talked a lot about two topics. First, that credit repair, although it’s a great service only accounts for 35% of a credit score. We do a great job with credit repair but we also provide our clients with other services. These other services help a client with 100% of their credit score. The second topic is that we educate our clients on credit and how to have a great credit score. That way they can maintain that score on their own for the rest of their life. So, let’s get into discussing how is a credit score calculated.
Your credit score is the most important part of your financial life. In this economic climate your credit rating matters more than ever. Lenders look at it when you apply for a loan, credit card, mortgage or other type of credit. What they are doing is looking at how credit worthy you are.
How Is a Credit Score Calculated?
Payment History (35%) – The biggest factor in your credit score is your payment history. It composes 35% of your total score. The payment history factor is looking to see if you have paid your bills on time in the past. And, it indicates whether you are currently behind in any of your bills or not. Some late payments, such as mortgage lates, have more of an impact on your credit score. Your mortgage is a major rpriority to keep current. Payment history is the biggest factor for how a credit score is calculated. Therefore, it should be the biggest priority to not have late payments or past due accounts.
Outstanding Debt (30%) – Outstanding debt is what you still owe on accounts. It makes up 30% of your overall credit score. This is based on the amount of available credit you have versus how much you are using.
There are revolving credit accounts and installment and mortgage accounts. Installment and mortgage accounts are based on the original loan amount versus the amount still owed. Auto loans also fit into this category. These type loans have a set monthly payment over a specific period of time. Revolving credit is generally credit cards. This is looked at with regard to the credit limit versus the amount owed. The best practice is to keep the balance below 30% of the limit on the account. This will make the biggest positive impact on your credit score.
Length of Credit History (15%) – This category reflects how long your accounts have been open. Also it looks at the length of time since the last activity on the account. The longer an account is open and current the better impact to your credit score.
Type of Credit (10%) – It’s beneficial to have a mix of different types of accounts. For example, a mortgage, an auto loan, 2 major credit cards, and 2 store or gas cards. The caution here is not to take on more debt for the sake of your credit score.
Inquiries (10%) – There are two types of inquiries that appear on your credit report. Inquiries that you authorize to obtain credit, or hard inquiries. And, promotional, or soft inquiries. Too many hard inquiries in a short time can negatively impact your credit profile. However, inquiries that occur for mortgage and auto loans prior to 30 days from scoring do not affect your score. Also, if multiple auto loan inquiries occur within a 14 day period as treated as a single inquiry. Promotional inquires do not affect your credit score.
To build a good credit score or to more positively impact the score that you have, it’s important to understand how is a credit score calculated. For more details watch our brief video above.
If you feel you need professional help with your credit score visit our Credit Repair Page or Book a Phone Appointment to speak with us directly. We’ll assess your situation and explain how our professional credit restoration services work.
Financial Education Services or FES, is a well established company in the financial services arena. Its core product is the Protection Plan. The Protection Plan is a set of credit centric services revolving around credit restoration or what the public calls credit repair.
About Financial Education Services
Financial Education Services (FES) has a unique direct sales business model where individuals become independent Agents and sell the FES services. FES Agents also have the opportunity to build a team of Agents. This gives them the ability to do far more sales and earn far more income than they could on their own.
The advantages of FES over starting your own credit repair business are many and are addressed in another blog post. In this post I want to discuss the best way to learn this business if you want to get started as an Agent with FES.
Learn the FES Business from a Top Producer
The best way to learn this business at a high level is to learn it from someone that has reached a high level. Often people take advice and try to learn from people that haven’t achieved what they are trying to achieve. That makes no sense. So, this logic holds true for learning the Financial Education Services business.
Who is Dale Guiducci in FES?
In order to establish my credibility with you, even though it’s not typically the way I like to operate, please allow me to share some of the accomplishments I’ve had with FES.
I have been in the top 5 in sales 5 years in a row. One year being #1. I have been in the top 5 in building my team of Agents 5 years in a row. The Most Valuable Agent award was presented to me in 2017. I have also received the Outstanding Achievement and Leadership Awards. And I have either been in the top 5 or won every company sponsored contest 5 years in a row. In addition, I was named a trainer for the company and spent nearly 3 years traveling the country training thousands of FES Agents. And, I am a Vice President and member of the prestigious R&R Club. OK enough of that.
ERA Credit Services
Before I get into sharing our training program (personal and FES training) let me talk about the name of my independent agency with Financial Education Services. When most people become Agents they simply use their own name. I decided to brand a company name for my agency, ERA Credit Services. So, if you were to go to YouTube, Facebook, LinkedIn or even my website you would see the name of ERA Credit Services. FES or Financial Education services, is not mentioned often and is not mentioned on our website at all. There is a strategic reason behind it that I can explain more in detail if we ever get the chance to discuss this business.
Building the Financial Education Services Business
In general, you can build an FES business 2 ways. And, you can combine, as I have, both of these ways. You can build it organically, meaning without paid advertising. And you can build it through paid advertising. I have done and continue to do both. Therefore I can teach you how to do both but with a disclaimer.
If you have an advertising budget and are familiar with online tools such as sales funnels, social media and Google Ads this is a great way to go. However, your budget and your knowledge have to be extensive. I cannot, nor can anyone else that’s busy running their own business, teach you Facebook, Instagram, Google Ads and sales funnels from scratch. Again, you have to bring a certain level of experience in these areas to the table.
Anyone Can Learn the FES Business
However, you do not need to have any level of significant experience to learn this business and build it organically (without paid advertising). This is an area that I have flourished in and so has my team. There are very specific methods of procuring customers and agents that I can teach you. There is a system with tools that I have developed for my team that I also teach and that each agent on my team has access to.
The FES Success System of Training
FES has developed a top notch online training program. It will teach you the basics from getting your website and services set up to using their mini sales funnel called FES Connect. A huge benefit to this online training program is that it’s flexible for our agents. They can access the training anytime of the day or night so it really helps those agents that have a full time job and a family.
I take a personal interest in the success of each agent on my team. Immediately after an agent joins FES we set up our 1st coaching call. From there my FES agents have a link they can use to schedule coaching calls very week if they like. They also have my cell phone and know that I respond to calls and texts very quickly.
Weekly Live Training
In addition, I conduct live training sessions every week through Facebook Live and our private team Facebook page. I cover different topics each week about sales, recruiting, credit repair, customer service and more. Facebook is a great platform for this as any previous Facebook Live can be viewed by new and veteran agents on their schedule.
What Else Do You Need to Be Successful With FES?
Financial Education Services and I will provide you with everything you need. However, each new FES Agent has to bring with them a sincere desire to succeed and a willingness to get outside their comfort zone. They also have to be coachable and okay with learning new business strategies and letting some old philosophies go. And finally, they have to have a strong work ethic that is commensurate with the kind of success they want to achieve.
Part Time and Full Time Agents
What I love about the FES business is that people can earn a steady part time income of between $500 and $1,000 a month or they can earn a significant 6 figure income. They only difference is the time and effort that they put in.
Book Some Phone Time with Me
If you are considering an opportunity like FES and would like to talk about joining my FES team watch the video below. Then click the icon below the video and Book a Phone Appointment on a day and time that works for you. Please understand that in order for us to have a beneficial conversation YOU MUST WATCH THIS VIDEO BEFORE THE CALL.
I look forward to speaking with you. Maybe we’ll become great friends and build Financial Education Service together for a long time to come.
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Click Below and Let’s Talk!
You may want to start credit repair but you don’t have the money in your budget. Isn’t that the same reason perhaps that you need credit repair? Maybe some unexpected expenses came up along the way causing other bills not to get paid. Well, what if you could get free credit repair? And, maybe make some good part time income?
It’s true that you could repair your own credit. But have you tried it? It’s not easy and most people are unsuccessful after months of trying. Plus you can’t earn income fixing your own credit.
Of course, just like any other company we can’t repair your credit for free without some commitment on your part. But do you know others that need credit repair? Or, are you willing to learn how to find people that need to get their credit fixed? And, isn’t it possible that some of those people would want to get free credit repair too?
Free Credit Repair – Our Affiliate Program
We have developed a credit repair affiliate program for the average person that just wants to get their credit repaired for free and perhaps earn $300 to $500 extra or more per month. There is no major training or licensing required.
Can you do some posts on Facebook? Can you let your friends know that you are helping people get their credit fixed? Do you have a customer base from another business?
Or, if you go slower and just find 1 person per month you’ll get free credit repair and start earning a profit in the 7th month.
What do you say to your friends or post on Facebook? Keep it simple. Something like, “Hey I just wanted to let you know that I started a side business from home. I can help people get their credit fixed. If you know someone that needs a higher credit score because they’re trying to buy a home or a car, just let me know. By the way do you know someone in the real estate or mortgage business?”
If you already know people in real estate or mortgage you could get your 5 customers very fast. Real estate and mortgage agents turn people away everyday because of a low credit score. Just have a conversation with them and let them know what you do.
What If People Have Questions?
People might want to know exactly how credit repair works or how we are different than any other company. We have videos that will explain that to them. In fact, we have a video that will explain all the details about our credit repair service and Affiliate Program to you right now. Watch this!
If you want to speak with us about free credit repair and earning side hustle money from home Book a Phone Appointment on a day and time that works for you.