Credit Repair USA Review
Comparison with ERA Credit Services
A key decision to make when starting a credit repair business is the type of business model. You can start it from scratch, buy a franchise, or become an independent representative. Our company, ERA Credit Services, utilizes the latter option. There are others that do as well. And, one of those companies is Credit Repair USA. Below is a Credit Repair USA review and comparison with ERA Credit Services.
This Credit Repair USA review and comparison with ERA Credit Services is designed to be as objective as possible. However, I have not been formally trained on the details of the Credit Repair USA opportunity and specifically the Credit Repair USA compensation plan.
All information gathered for this comparison was generated from the Credit Repair USA website at www.creditrepairusa.us and other resources such as the BBB and NACSO websites. To insure a complete understanding of comparison of these two opportunities you should visit the Credit Repair USA website and call them at (832) 945-5228.
ERA Credit Services is an Independent Agent for Financial Education Services (FES) and United Credit Education Services (UCES). Information used for this comparison includes that regarding FES and UCES.
In this Credit Repair USA review and comparison we’re going to look at 4 key areas:
- Company Background & Certifications
- Services Offered & Cost to Clients
- Business Costs
- Compensation to Independent Reps or Agents
Company Background & Certifications

Credit Repair USA
BBB rating- *None
BBB accreditation – *None
NACSO accreditation – None
Credit Repair Nerds rebranded as Credit Repair USA within the last few years
ERA Credit Services
BBB rating- UCES A+
BBB accreditation – YES
NACSO accreditation – UCES YES
Since 2004
Same Owners
Debt Free Company
This category is important for 2 reasons. If you’re going to commit to representing a company and building a business around that company’s brand, what type of track record does the company have? And what type of credibility will you have when representing this company in the market? Credit Repair USA does not have a Better Business Bureau rating and is not accredited by the BBB or the National Association of Credit Services Organizations. In addition, the brand Credit Repair USA is relatively new. ERA Credit Services gives an Agent instant credibility in the market and has a solid track record since 2004.
Services Offered & Cost to Clients

Credit Repair USA
Credit Repair – $99/mo
Public Records – $49/mo
Inquiry Removal – $499
Credit Building – credit cards
700 Credit Club – $3,500
Cost for 6 months of service for credit repair and removal of public records- $888.00
ERA Credit Services
Credit Repair – $99 + $89/mo
Online Credit Monitoring
Identity Monitoring
Credit Builder – many options
Online Debt Payoff
Online Budgeting
Credit Attorney
Will & Trust
Savings Planner
6 months cost for credit repair, removal of public records and all other services listed above – $633.00
Credit Repair USA charges more for their services and had a limited number of credit related services. ERA Credit Services offers far more services at a lesser cost to the client.
Upfront & On Going Business Costs

Credit Repair USA
$99/month Business Fee
$99/month for credit repair
Total $198/month
Annual Cost- $2,388
ERA Credit Services
$199 one-time fee
$89/month for all services including up to $100k in term life insurance.
Services are free with 5 customers and/or Agents
1st Year Cost- $288 to $1,267
Credit Repair USA charges a monthly business fee that will never stop. They charge more if their reps want services for themselves. ERA Credit Services offers a one-time business fee, a lesser fee for far more services, and an opportunity to get all the services free.
Compensation – Customer Sales

Credit Repair USA
$99/month
Rep Level 1 – 25% = $24.75/mo
6 months = $148.50
Rep Level 2 – 50% = $49.50/mo
6 months = $297
ERA Credit Services
$99 set up plus $89/month
$100 plus $12/month residual
6 months- $160
The compensation for personal customer sales does not change at any level
At an entry level or part-time level ERA Credit Services pays out more for customer sales. Credit Repair USA has a Level 2 which requires 12 sales every 90 days. At Level 2 the compensation is more than that of ERA Credit Services.
Compensation – Team Building

Credit Repair USA
Rep Level 1
Recruit 10 Reps
24.75/mo/Rep= $247.50/mo
6 months = $1,485
No compensation on your Reps activity (Sales or Team Building)
ERA Credit Services
Agent
Recruit 10 Agents
CAB = $1,000
Residual = $72/Agent
6 months = $1,720
Plus Overrides on Team Sales & CAB bonuses on Team Recruiting
Credit Repair USA
Rep Level 2
Recruit 10 Reps
49.50/mo/Rep= $495/mo
6 months = $2,970
10% on Rep Team Building ($9.90/mo)
10 Reps = $594 Total – $3,564
ERA Credit Services
Sales Director
Recruit 10 Agents
CAB = $3,800
Residual = $72/Agent
6 months = $4,520
Plus Overrides on Team Sales & CAB bonuses on Team Recruiting
ERA Credit Services offers far more compensation for new and veteran Agents. Credit Repair USA only pays 2 levels of team building which limits a Reps income. It also blocks a Rep from earning on Reps deeper in their organization. ERA Credit Services offers compensation on an Agents entire organization regardless of how large it becomes.
Conclusion

Credit Repair USA
- Sales Compensation for More Established Agent
ERA Credit Services
- Company Background & Certifications
- Services Offered & Cost to Clients
- Lower Business Costs
- Sales Compensation for New or Part-Time Agent
- Team Building Compensation for New & Established Agents
The results of this Credit Repair USA review and comparison with ERA Credit Services are clear. The conclusion is that ERA Credit Services offers far more for less cost to the Agent and to the customer.
To learn detailed information about the credit repair business opportunity offered by ERA Credit Services visit our Business Opportunity page.
There you will find a 20 minute video. After watching the video ‘Book a Phone Appointment’ to talk with me. We’ll discuss your goals and get all your questions answered.
Thanks for visiting this Credit Repair USA review.
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