ERA Credit Services

Month: August 2019

Best Tampa Bay Credit Repair Service

Best Tampa Bay Credit Repair Service

For 5 years in a row ERA Credit Services has been chosen by our clients as the best Tampa Bay credit repair service. We’re extremely proud of this. And, we’re excited that a decision we made years ago allows us to bring the very best credit repair service to Tampa Bay.

What was that decision? Well, you’ve heard the saying, “if you can’t beat ‘em, join ‘em”. In 2012, my wife and business partner, Shirley and I we’re looking for the very best credit repair company we could find to help our credit challenged clients. We had an accounting business serving small business owners. Some of those clients needed credit repair to help them recover from the recession.

To make a very long search and story short, we contacted many companies and were getting discouraged. None of them seemed to provide the service and customer support we desired for our clients. Until, through a Facebook post, we found out about the very best company in the country. After extensive research on that company we also learned that they had an opportunity for us to represent them and provide the services directly. We decided to join forces with that company and haven’t looked back. In fact, 2 years later we closed our accounting business and have been exclusively in the credit repair business ever since.

So, what makes that company the very best Tampa Bay credit repair service and best credit repair service in the country?

There are 5 key points.

A+ Better Business Bureau Rating and NACSO Certification

It is very difficult for any company to achieve an A+ rating from the Better Business Bureau. But to also have the prestigious certification from the National Association of Credit Services Organizations is unprecedented. It definitely shows our level of effective credit repair service and customer support.

All Derogatory Items are Addressed Immediately

A significant number of companies in the credit repair industry do not address all items for their clients right away. They do just 2 or 3 at a time. The only reason for that is to delay conclusion of the service and thus charge the client more monthly fees.

We address all items right away, period. Our goal is to provide our clients with the highest credit score possible, as quickly as possible. Not only will that allow them to achieve their goals faster, but it will save them money.

Our Clients Receive Other Services to Help Increase Their Credit Score at No Extra Charge

Credit repair, which is the removal of derogatory or negative item from a credit report, will increase your credit score. However, there are other ways to increase your credit score. We provide you with credit education, so you know what these ways are. You also receive online credit monitoring so you can follow the progress of your credit repair service. We protect your identity so no one can adversely affect your credit and credit score. And, you receive other services as well. All are provided at no extra charge.

Our Clients Get an Online Account Showing Every Aspect of Their Services

We provide you with a secure, password protected online account. You’ll be able to see every step and all progress of your credit repair service. As well, this is where you’ll access your other services including the credit education, so you’ll know exactly how to have the best credit score possible.

 Superior Customer Support in English and Spanish

We have a staff of highly trained Customer Support Agents. These credit professionals are available Monday through Friday from 9 am to 9 pm Eastern time. You can ask questions and make changes any time you like. And when you reach your credit score goal, they can cancel your account over the phone.

You will not find a more experienced, dedicated and effective credit repair company any where in the country.

Book a Free, No Obligation Phone Consultation

Click the icon below to book a time to speak directly with me, Dale Guiducci. We will figure out what your needs are. I will explain how it all works including what it takes to get started. Then you can make an informed decision. If you want to get started, we will start you right then. We need about 20 minutes for the whole process.  I look forward to talking with you.

Find Out More About the Best Tampa Bay Credit Repair Service

If you would like to know more before you book a phone appointment with me, go to ERA Credit Service Credit Repair to watch videos and more. Thanks for stopping by!

The Best Credit Repair Software

If you are interested in starting a credit repair business, then you realize there are a lot of items to research. One of the more crucial items is the software you’ll use to generate dispute letters. There are many different options out there which makes it more confusing and time consuming. So, what is the best credit repair software?

Here’s what I can tell you which I believe is the most important choice factor. I have talked to literally thousands of people over the last 7 years who either want to be in the credit repair business, or already are. Those that were in the credit repair business already did the research. There were many to choose from:

Credit-Aid
DisputeSuite
ScoreCEO
TrackStar
TurboDispute
And more

The Best Credit Repair Software

The #1 choice for those that were already in the credit repair business that I talked to is, Credit Repair Cloud. A lot of these credit repair business owners had spent a lot of time researching, and also using Credit Repair Cloud, and decided it was the best credit repair software.

But read on…

The most important thing for you to realize is that these established credit repair business owners that were using the best credit dispute software were talking to me because something was wrong with their business. To be more specific, something was wrong with their business model. They were calling me to understand our credit repair business model to overcome the challenges they had. What were those challenges?

Let’s go back to the research you’re doing. You’re coming to realize that to get your business started, in addition to finding the best credit repair software, you also have to:

– Investigate what your state requirements are (surety bonds and/or other).
– Realize that satisfying your state requirement only allows you to do business in your state.
– Investigate the federal Credit Restoration Organizations Act (CROA) to understand how you can charge a client.
– Figure out how to pull credit for your clients (credit report brokers will not work with credit repair companies). Even Credit Repair Cloud refers you to an online credit monitoring service that requires your client to pull their own credit. This is not the most professional approach.
– Figure out how to be able to take credit and debit cards (merchant services companies will not work with credit repair companies).
– Build a website and learn how to drive traffic to that website while competing with large companies on Google such as Lexington Law, CreditRepair.com, Pyramid Credit Repair and others.
– Develop strategies to compete with companies in and out of your area that have a Better Business Bureau rating and accreditation, National Association of Credit Services Organizations (NACSO) certification, or other designations.
– And more…

But What’s Your Biggest Challenge

BUT HERE IS THE BIGGEST CHALLENGE YOU FACE AND WHY THESE CREDIT REPAIR BUSINESS OWNERS WERE CALLING ME. Despite what ALL these credit dispute software companies tell you, providing credit repair service to a client is very time consuming. You need to figure out how you’re going to find the time to market your business, sell to those prospects, provide customer support after the sale AND, provide the service. Importing credit reports and generating dispute letters is key. But it’s only part of providing service.

And, by the way, even if you figure this out, you’re still only providing credit repair (the removal of derogatory items) to your clients. Successful credit repair companies today provide far more services like online credit monitoring, identity monitoring, credit education, and online tools for their clients.

If you can afford to hire a staff, you may overcome this challenge. But if you’re going it alone you should be prepared that this will require more time than you’re anticipating. If you have a job or other business, you’re going to have to find that time. That is why these people were calling me. They didn’t have the time to do everything. They had to either stop marketing efforts because they didn’t have the time, or turn away clients.

The Big Takeaway

So, what’s the biggest take away from this? The best credit repair software is not going to overcome your biggest problems. After 7 years in the business I can emphatically tell you with conviction and confidence, there is only one business model and opportunity in the country that WILL overcome every challenge you face in starting a credit repair business. And, that’s ours.

Take 21 minutes to watch a detailed overview video about our business model. You’ll learn that:

  • No surety bond is required
  • You’ll immediately be able to do business in all 50 sates
  • We are fully compliant with CROA
  • Credit is pulled for your clients at no charge to you
  • Accept Visa, MasterCard, Discover, American Express, and debit cards at no charge to you
  • You’ll have a professional, customized website provided for you
  • Access to complaint social media marketing materials, phone apps, a sales funnel system and more
  • You’ll instantly be backed by an A+ BBB rating and accreditation and a NACSO certification

And, you’ll learn that you won’t have to worry about analyzing credit reports and drafting dispute letters. That will be provided by a trained and experienced staff.

A Credit Repair Business Opportunity that Solves All the Problems

There’s more to learn about our business model so visit Credit Repair Business Opportunity to watch that video. Then, if you like what you see and want to talk directly with me, click the icon below the video to ‘Book a Phone Appointment’.

I look forward to talking with you.

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

The Best Credit Repair Software
Network Marketing and Credit Repair

Network Marketing and Credit Repair

In order to absorb what I’m going to share you have to put aside any pre-conceived opinions you have about network marketing or the MLM industry. Just for a few minutes. I am well aware of all the arguments against the industry and I’m not going to debate them. I’ll just tell you that regardless of the perceived downsides of the industry, network marketing is the best business model for credit repair. And, I’ll tell you why.

Let me first address the challenges that the credit repair business presents. They fall into 3 major categories. Federal and state regulations, the scope of providing service to customers, and competition from large companies.

Federal and State Regulations

The Credit Restoration Organizations Act (CROA) restrict you from charging fees to a client before service is provided unless you are a bank, credit union, attorney or 501(c)3 non-profit organization. They do allow you to charge a nominal account activation or set up fee. How this affects you depends on how much profit you want to make in the business. There will be more on this later when I discuss competition in the industry.

State regulations (in most states) require you to purchase a surety bond. If you want to do business outside your state, you must purchase a surety bond in other states as well. These bonds are a continuous expense not a one-time fee.

In addition, the federal government and each state has its own truth in advertising laws that you must be aware of and comply with. Failure to comply with these advertising laws could result in very stiff penalties. States like Georgia and Utah have recently severely cracked down on credit repair companies advertising in those states.

Providing Service to Clients

Next, and maybe most importantly, has to do with the scope of providing service to a client. I realize that companies that sell dispute software like TurboDispute, DisputeSuite and CreditRepair Cloud make it sound like it takes no time at all to pull credit, analyze credit reports and draft dispute letters. First of all, it takes more time than they tell you. But that’s not the full extent of the work in the credit repair business. It’s not even close. You need to market and find prospective clients. Then you need to sell to those clients. People don’t typically click a link and sign themselves up for credit repair. This isn’t like buying a product from Amazon. Then you need to deal with disputes. Then you need to provide customer service and support once the service is under way.

I can’t begin to tell you the number of people that have tried to do this on their own that have called me. They have given up on trying to bring in enough clients to pay the bills and provide service to that number of clients.

Can You Compete Against the Big Companies?

Then there is the issue of competition from large companies that dominate the industry. Companies like Lexington Law, CreditRepair.com, and Sky Blue Credit Repair. They dominate internet advertising in every market in the country. They have the money to outbid you for position on Google.

But that isn’t the biggest challenge you have when competing against big companies in the credit repair industry. The biggest challenge is providing the type and scope of service that companies likes ours can provide at a price that is perhaps less than, or similar, to what you can afford to charge. You might be able to provide credit repair (removal of negative items from credit reports) for let’s say $80 a month. We provide that along with 11 other financial services for $89 a month. And, we do it with an A+ BBB rating and accreditation, and a NACSO certification. That’s hard to compete with.

Why Network Marketing and Credit Repair Works

Now that I’ve discussed the challenges in the credit repair business let me share with you why network marketing is the best business model for credit repair. In a nutshell it’s because our business model overcomes every single challenge I’ve described above. We have the resources, the technology, and the infrastructure in place. All you need to do is plug into it and you’re in business tomorrow.

We overcome state and federal regulations because our credit repair company is a 501(c)3 non-profit organization. Therefore, we are as stated above, exempt from CROA regulations. As an independent Agent for our company you can charge up-front fees (the up-front fee we charge is nominal, just $99) and you can do business in all 50 states without purchasing a surety bond.

You still need to follow truth in advertising laws, but our company provides you with information on compliance with those laws. And, we make available to you legally approved brochures, flyers, folders, business cards, social media templates, phone apps, and an online sales funnel system. All of it complies with the laws in all 50 states and is available to you from day one.

Have Time to Bring in More Business

Now let’s address providing services. With our business model you don’t provide services. Our staff does that for you. Not only are they trained at a high level to provide client services, they also provide customer support for the length of time the client is on service. This allows you to find more people to sell services to. It frees up your valuable time so you can maintain another business or work the credit repair business part-time until you can make it a full-time business.

Now let’s talk about competition. By working with us as an independent Agent you will be providing more services than any other company in the industry for the same price or less than the big companies provide credit repair. This allows you to compete with the small company in your area and the largest companies in the country.

Use Leverage to Build Your Business

But this is the biggest reason why network marketing is the best business model for credit repair. It’s because the profit margins in credit repair are small. You can’t charge much more than $100 a month and compete. So, given everything I’ve shared above how many people do you think you can bring in on your own and provide service? How much will those clients be paying you to do all of this? What if you want to take some time off or you get sick? Who’s going to run your business and what’s your profits going to look like?

With our network marketing and credit repair business model, you can build a team of other independent Agents and get paid on their production. You can build it as small or as large as you want. In fact, you don’t have to bring in any Agents or build a team at all. But if you do that’s where the true substantial incomes in this industry are anymore.

Build True Residual Income

People come into the credit repair business because they think there’s residual income. There’s only temporary residual income until your client stops paying. No client is going to pay for credit repair any longer than they need to, and sometimes they stop paying before they should.

When building a team of Agents, you build a true residual income. Because when you stop working for any reason your Agents do not.  It does take time to build that residual. It doesn’t come over night. But once you’ve built it, it comes each and every month. I had to take a couple of months off in 2017 for a major surgery. I also slowed down in 2018 to fully recover. But my checks didn’t because my team didn’t.

Network marketing has its flaws. No doubt. But for the credit repair business it provides the solution to so many challenges in this industry. You don’t have to put out a huge expense to get into the business. And, you can get started today for as little as $288.00.

Find Out the Details

If you’d like to find out all the details visit our Credit Repair Business Opportunity page and watch a 21-minute video. If you like what you see, and I’m sure that you will, click the icon just under the video to book a phone appointment with me. We’ll discuss each and every question you have. I look forward to that conversation.

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