For more than 11 years I’ve been on a mission to tell people about what we do. That we offer not only credit repair but a package of the best credit repair services to work on 100% of their credit score. Understanding the distinction requires a bit of an explanation.
Credit repair, which is offered by many companies, is the removal or deletion of derogatory accounts from a credit report. This is all that the majority of credit repair companies offer. But this only impacts 35% of a consumer’s credit score which is called ‘Payment History’. The other components of a credit score are:
Amounts Owed- 30%
Length of Credit History- 15%
New Credit- 10%
Types of Credit- 10%
We offer the fastest, most effective credit repair service allowed by federal law. We do a great job of removing negative items from our client’s credit reports. However, we also provide other credit repair services to build all or 100% of our client’s credit scores. This gives you the biggest boost to your credit score.
Get the Maximum Boost to Your Credit Score
Most people when they come to us need us to remove some negative items from their credit reports. But in order to get the maximum boost to their score, they need to add positive credit accounts to their credit reports. We provide recommendations on how to do that and we have a service that no one else in our industry has.
We can add a client’s monthly rental payment of a home or apartment to their 3 credit reports. We can add up to the previous 2 years of these payments. This will boost the Length of Credit History (15%), New Credit (10%), and Types of Credit (10%).
Eliminate Negative Accounts & Add Positive Accounts
We also educate our clients and provide online tools to help them pay down their existing debt. Most people think that as long as they make their minimum payment on their credit card they are maximizing their credit score. This is not true. To get the maximum credit score, credit card and other revolving credit balances must be 30% or less of the limit.
Of course, paying down credit card balances is easier said than done. We give our clients an online tool to show them how to pay down their balances using the same amount of money they currently spend on monthly debt. This impacts the Amounts Owed (30%).
Other credit repair services we provide free of charge are online credit monitoring, identity monitoring, theft protection, a budgeting tool, and more.
Get the Best Credit Repair Services in Tampa Bay
If you want the maximum boost to your credit score look below and choose the most convenient way for you to contact us. We’ll explain all of our credit repair services to you. You’ll be very impressed that we provide these services for the same or less cost than most companies charge for credit repair alone. And remember, credit repair alone only impacts 35% of your score. We'll boost 100% of your score!
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This article which was originally posted in 2019 is updated regularly and was last updated in July 2023.
ERA Credit Services is an Independent Advisor
and does not directly provide credit repair services or accept funds from clients for credit repair services.