Category: Business Opportunities

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/04/Build-a-Credit-Repair-Business-with-Your-Phone-500x415.png" alt="Build a Credit Repair Business
with Your Phone" />

Build a Credit Repair Business
with Your Phone

As with any business, prospecting for customers is critical to its success. It requires networking, developing referrals, or advertising. Perhaps all 3. And, to get the word out initially, you’ll want to make your existing contacts aware of your new business. It can be one of the functions credit repair business owners like the least and takes most of their time. But what if you could build a credit repair business with your phone?

Using a phone app to share your business with people could save a lot of time. You could contact more people and do it quicker than calling them. Today people will be more likely to look at messages coming through their phone than listen to voice mails. Or, even answer their calls. HubSpot maintains, “mobile access to sales systems aren’t just nice to have — they’re a necessity”. That is why we have developed phone apps for our independent Agency business owners. Our phone apps streamline the process of contacting people to make them aware of their new credit repair business.  And, it allows them to get information out quickly to those that have inquired about credit repair and other services.

Help for Part-time Credit Repair Business Owners

Many of our Agency business owners start part-time while they maintain a job or other business. If someone inquires about credit repair, they typically must wait until they leave work to contact their prospect. Now very quickly they can open their app and send them a 90 second video or link to a mobile web page to provide them with information. Then they can follow up through the app or call them later. Our phone apps allow our credit repair Agency owners to operate their business from literally anywhere there is cell phone service.

Sales Funnels Ready to Go, Day One

To further help build a credit repair business with your phone, we have also developed sales funnels for online advertising or posting to Facebook, Instagram and other social media platforms. Our sales funnels come with lead capture pages containing informational videos. It also has a complete CRM system our credit repair Agency business owners can operate right on their phone. Now anyone can generate leads using social media or Google.

Our credit repair business opportunity has always been a great option for those that didn’t have the time or money to start a credit repair business on their own. With this new marketing system that can be completely operated on a cell phone, we have upped the game in the credit repair business. We have now opened the credit repair business opportunity up to many more people that wouldn’t have the time to operate their business while still at a job.

Learn More About Our Credit Repair Business Opportunity

If you would like to know more about owning a credit repair Agency visit Credit Repair Business Opportunity. There you will watch a 20-minute video explaining all the details. Then you can book a phone appointment and speak directly with me, Dale Guiducci. You’ll get all your questions answered and I’ll share my experience of building a credit repair business that generates nearly $1 million in revenue annually all from my home office.

The 7 Habits of Highly Effective
Credit Repair Business Owners

The credit repair business is a great home based business option. You can help a lot of people and it can be very lucrative.

However, the business failure rate is extremely high if you don’t have the right business model or operate your business in the right way.

Learn the habits that successful credit repair business owners have in common and avoid the mistakes many make.

7 habits highly effective credit repair business owners

Extract – The 7 Habits of Highly Effective
Credit Repair Business Owners

Credit Repair is a great choice as a part-time or full-time business. You help people improve their lives while having the opportunity to change your own. However, there is much to learn about starting and running a credit repair business. In the 7 Habits of Highly Effective Credit Repair Business Owners I give you 7 key elements from my experience as a highly successful credit repair business owner. I believe this is the most honest and candid information about the credit repair business that you will find. I hope you find it valuable as you do your research into this dynamic and potentially lucrative industry.

The Ultimate Goal – Interdependence

The late Stephen Covey published ‘The 7 Habits of Highly Effective People’ in 1989. It has now sold over 25 million copies in 40 languages around the world. He outlines 7 specific habits that we should develop to move us through stages from Dependence to Independence and finally to Interdependence.

Interdependence, the ultimate goal is “the paradigm under which we cooperate to achieve something that cannot be achieved independently.” Read this sentence again. It is a theme discussed in different ways by nearly every author of business building and personal development information from Napoleon Hill to John Maxwell. Robert Kiyosaki maintains that in order to reach financial independence we must develop systems and networks. By developing systems and networks we become ‘interdependent’ and thus can rely on others to help us produce far more than we can on our own.

To test this theory, try and think of just one highly successful individual that did it all on their own. My first inclination is to think of professional athletes. They surely were alone in achieving their success, weren’t they? In sports you perform as an individual even if part of a team. Yet in virtually every Hall of Fame speech the athlete runs out of time giving thanks and credit to dozens of people that impacted their career. And without whom they wouldn’t be standing at that podium on that day.

The 7 Habits of Highly Successful Credit Repair Business Owners

The 7 habits listed below are separate concepts and each will help you build your credit repair business. But combined they will help you go from Independence to the ultimate goal of Interdependence. They will help you achieve much of what Covey, Hill, Kiyosaki and many others have been trying to teach us for decades.

In ‘The 7 Habits’ Covey lists the 1st habit as ‘Be Proactive’. I’m going to assume you are already being proactive because you are taking the time to read this. You want to discover the missing keys to your success in credit repair. Therefore, I’m going to take his 2nd habit, ‘Begin with the End in Mind’ and make it our 1st habit.

To read the entire 7 Habits download it now…

After reading the 7 Habits of Highly Effective Credit Repair Business Owners if you want to discover a highly effective credit repair business model and then speak directly with Dale Guiducci visit
Credit Repair Business Opportunity

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/04/7-Habits-of-Highly-Effective-Credit-Repair-Business-Owners-Final-469x415.png" alt="The 7 Habits of Highly Effective
Credit Repair Business Owners" />
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/03/what-you-need-to-start-a-credit-repair-business.jpg" alt="What You Need to
Start a Credit Repair Business" />

What You Need to
Start a Credit Repair Business

For several years I have been blogging and producing videos about how to, and what you need to start a credit repair business. If done correctly the credit repair business can be an incredibly lucrative and rewarding home-based business. However, it’s all about the business model. If someone chooses the wrong business model it can be a failure before it gets off the ground.

The reason I am qualified to share this information is that I started my own credit repair business in 2012. Today that business produces nearly $1 million in annual revenue and provides me a very comfortable 6 figure income. I have worked from home the entire time and control my schedule. My wife and I travel whenever we like. I can decide to work while traveling or have someone on the team work my business for me and shut down completely.

The revenue, income and time freedom I enjoy are all a result of the business model we chose. I cannot stress this enough. You can choose to go it alone and start a credit repair business all on your own. I contend that if you choose this type of business model you will never generate the revenue, income and time freedom you perhaps desire.

What Are You Trying to Accomplish?

I believe that in order to start a successful credit repair business you must look at what you want that business to accomplish for you before you start it. You must also think about what you need to start a credit repair business. What are all the components of a credit repair business? Then decide how you’re going to implement them.

The chart below is a list of items you must consider before you begin any work on starting your business. As you will see there is a lot to think about. You can easily compare starting a credit repair business on your own versus joining our company as an independent credit repair agency owner.

Please note that an independent agency is a business that you own. You can sell that business or will it to your heirs just like starting your own business by yourself. However, as you can see, the advantages are many.

If you want to explore more about owning an independent credit repair agency I give you the process of doing that below the chart.

Considerations

Start Your Own Business

Own an Independent Agency

Surety Bond if Required by Your State

Cost can range between 1% to 15% of the bond amount depending on many factors including credit score. Click here to learn more about surety bond amounts by state and costs

No Surety Bond Required as you will represent a 501(c)3 non-profit credit repair company which is exempt from CROA

Business Territory

Can only do business in the state for which you have a surety bond or are registered

Can do business in all 50 states and U.S. territories (Puerto Rico, U.S. Virgin Islands, etc.)

Software to Generate Dispute Letters

Cost and benefits will vary. Training is required to operate the software. Click here for several credit repair software choices

No software is required as you will have a dedicated staff that generates dispute letters for your clients

Website for Marketing

Build it yourself or pay someone to do it for you. Costs will vary depending on size of site and technology incorporated

2 websites are provided for you (Customers & Business Development) at no cost. You can brand yourself or a company name. Websites can be set for 6 languages.
Website for Customers
Website for Business Development

Online Marketing Tools for Lead Generation

Must develop yourself or purchase

Individually branded sales funnels and phone apps provided at $20/month with the potential of getting it free

Merchant Services (the ability to take credit & debit cards)

It is very difficult to find a merchant services company that will work with a credit repair company especially when new and not established

Provided by the company at no charge

Pulling Credit for Clients

It is very difficult to find a credit report broker willing to work with a credit repair company. Most small credit repair companies ask the client to pull their own credit

Provided by the company at no charge

Marketing Materials (Brochures, Flyer, Folders, Business Cards) compliant with Federal Trade Commission & state law

Create yourself or pay someone to generate FTC and state compliant marketing materials

Provided by the company at a nominal fee

Capital Required to Get Business Started

Estimated to be between $2,500 and $10,000

$288

Time Required to Get Business Started

Could be weeks or months depending on owners commitments to a job or other business

Be in business today

Credit Repair Training

Online or seminar courses. Costs will vary

Training on the credit repair process and federal laws, and the probability of item removal provided at no cost

Business Training

There doesn’t appear to be any specific training available on how to build a successful business

Online video training, live weekly training through the internet, and one on one coaching provided at no cost

Online Client Progress Reporting

There doesn’t appear to be any specific software available to give clients online access to their credit repair progress

Provided to the client and the independent Agency at no cost

Client Services Provided

Typically only removal of derogatory items limiting the increase in clients credit score (Payment History 35% of score)

10 services in addition to credit repair provided to increase, monitor and protect 100%  of clients credit score at no extra charge
Click for details

Customer Support

Provided by business owner or staff must be hired. This can be a challenge if business owner is committed to a job or other business, or working with new clients

Provided by company at no charge 9 am to 9 pm Monday – Friday Eastern time in English & Spanish

Referral Reporting

Keeping referral sources, such as real estate & mortgage professionals, up to date on the progress of the clients they refer to you can be a challenge. There doesn’t appear to be any specific software available for this

Referral sources receive an online portal linking them to progress reports of the clients they refer to you

Business Growth Potential

Limited based on the owner doing all the credit repair admin work, marketing, sales, and all other aspects of the business. If staff is hired it reduces profits generated from clients

Unlimited for 2 reasons. The company and staff provide all work and materials except marketing & sales. And Agencies, at no cost to them, can bring on an unlimited number of independent Agents to expand the business throughout the country. As the number of Agents grow so does the revenue & profit from the business

Experience Required

Because all knowledge of credit repair and building a business must be acquired at a cost, it is beneficial that the owner have as much previous experience as possible

No previous credit repair or business experience is necessary. Of course, if the Agent has previous experience in either it will help their business grow faster

If You Want To Learn More About Joining Us
as an Owner of an Independent Credit Repair Agency
Watch This Video for Details

If You Like What I Shared in the Video About Working with Us
in the Credit Repair Business, Lets Talk!

Click the icon below and pick a day and time that works for you.
I’ll call you at that time.
We’ll have a conversation to see if this credit repair business model is the right fit for you.

Start a Credit Repair Business
in North Carolina

Many people in today’s economy decide to start their own business. Possibly they just need a 2nd income. Or, maybe they want to leave their job and work for themselves. After doing some research it makes sense for many to start a credit repair business in North Carolina.

I have owned a business that markets credit repair and related services since 2012. Here I give you the Pro’s and the Con’s of starting a North Carolina credit repair business. Then I offer you a solution that will offset all of the Con’s and is the very best credit repair business solution in the country.

The Pro’s of Starting a Credit Repair Business in North Carolina

The Con’s of Starting a Credit Repair Business in North Carolina

This list includes the con’s of starting a credit repair business anywhere in the United States

  • The cost of starting a credit repair business can be high
    • A requirement to start a credit repair business in North Carolina is to obtain a surety bond. The bond must be in the amount of $10,000. The cost of the bond will be dependent on your credit score and other factors. The lowest cost for a surety bond that I could find was $200 annually with excellent credit.
    • To be in business today you must have a website. You can hire someone to build it for you or build it yourself. Costs will vary. Even if you have the skill to build it yourself using Wix, WordPress or another service, there are other costs. You must pay for hosting, an SSL certificate, a related email address, and more
    • You will need to purchase software. The cost of credit repair software ranges from $30/month to $400/month.
    • Marketing materials are a must to be in the credit repair business. You could start off with just business cards and flyers. But in order to compete with other companies you will want to have tri-fold brochures and even marketing videos. This can get very costly
    • Providing your clients online access to their credit repair information and updates to the progress may be cost prohibitive when you’re starting out. But just know that other companies provide this and it’s something you’ll have to convince your prospects that they don’t need

Even if you have the capital to start a credit repair business in North Carolina
have you considered the following:

  • Working alone in your credit repair business will limit the amount of business you can do. Many under estimate the time to work on a client’s credit repair. They also don’t consider the amount of time for marketing to new prospects and selling to those prospects
  • Initially you may not have other services available to increase a client’s credit score. Removing negative items from a credit report only accounts for 35% of a credit score. Can you provide other services to impact the other 65%?
  • When you start your business you have no reputation, credibility or trust built up in the market. Many times consumers look for a Better Business Bureau rating or reviews to help them make a decision. You will want to create listings on Yelp, Google, and other services. You will also need to have social media pages/accounts on Facebook and other platforms. If no one can look you up on the internet they will not trust your business
  • There is a lot of competition in North Carolina in this industry. All the large players are in the state and can offer more services and more technology
  • You will have to have competitive pricing. And, if you are not an attorney, bank or non-profit organization you cannot charge fees for service until they are performed. You can charge a nominal start-up fee

The Best Solution for Starting a Credit Repair Business in North Carolina

Start a credit repair agency in North Carolina through ERA Credit Services. Here’s what you’ll have immediately:

  • A customizable website with your information
  • The ability to brand your own company name if you choose
  • An online business portal to monitor all business activity including customer progress
  • A staff to perform all credit repair administrative work including analyzing credit reports and drafting dispute letters
  • No software purchase is necessary
  • Customer support in English and Spanish available for your customers Monday through Friday 9 am to 9 pm Eastern time
  • Customers receive the fastest, most effective credit repair service in the country and other services to help increase 100% of their credit score
  • Your customers will have their own online portal to monitor the progress of their credit repair and other services
  • Professional marketing materials including brochures, flyers, folders, business cards, and videos
  • A sales funnel system for online marketing
  • A flexible online training platform so you can learn this business on your schedule
  • Weekly live training sessions from Dale Guiducci through our private Facebook group
  • You’ll represent a credit repair company with an A+ Better business Bureau rating and a National Association of Credit Services Organization certification
  • You can do business in all 50 states immediately with no surety bond required
  • Get started for $288.00 with no monthly business fees

Starting a Credit Repair Business in North Carolina
with ERA Credit Services gives you all the Pro’s and none of the Con’s

Want to learn more about
how to start a credit repair business in North Carolina?

Watch this 20 minute video and then Book a Phone Appointment to speak directly with me, Dale Guiducci. I am the owner of ERA Credit Services. I started a credit repair agency in 2012 and now do business all over the country and I’ll show you how.

Watch This Video

 

Book a Phone Appointment with Dale Guiducci

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/03/Start-a-Credit-Repair-Business-in-North-Carolina-625x415.png" alt="Start a Credit Repair Business
in North Carolina" />
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/02/credit-repair-usa-review-comparison-era-credit-services-1-625x415.png" alt="Credit Repair USA Review
Comparison with ERA Credit Services" />

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.

Credit Repair MLM

I’m going to introduce you to a business model that combines a home-based credit repair business opportunity with an MLM pay structure. It’s a brilliant business model for those that want a part-time or even full time home based business. When the company started in 2004 they had more of a traditional business model. They had independent sales people that earned straight commissions and could not build a team. About 10 years ago they switched to a credit repair MLM model. Since then they have exploded in growth.

If your reading this then one could assume that you look favorably on MLM or network marketing opportunities. For those that do not it may be because they perceive there to be a high failure rate among those that try MLM businesses. Let’s explore that for a bit.

MLM or Network Marketing vs. Traditional Small Business

According to Forbes.com 20% of traditional small business start ups fail in the first year. And, 50% fail in 5 years. Compare that with research on people that start an MLM business. 50% fail in their 1st year and 90% fail over 5 years. So, the failure rate is higher in a typical MLM opportunity than a traditional small business.

Most would look at the statistics just mentioned and stay away from MLM because 90% fail in 5 years. Others would look at the stats and jump in because they see that 10% succeed! What people don’t realize is that the 90/10 rule applies to most opportunities that aren’t a W-2 job where you get a salary. In opportunities where people must generate their income, 90% will fail. But that does not scare away those of use that believe enough in ourselves to become one of the 10%.

The primary reason why the failure rate is higher in MLM is because that the upfront investment is so low. There’s less ‘skin in the game’. This makes it much easier to walk away instead of fighting to make it work. Because of the low start up cost people don’t research the business before they start. People don’t treat it like a business. For some reason people that start a network marketing business treat it with less care than if they had made a bigger investment or commitment.

A Credit Repair MLM – Smaller Investment, Lower Risk

A credit repair MLM is a brilliant business model because it reduces the high cost of starting a credit repair business. Therefore it also reduces the risk. In addition, there is a huge market of consumers in need of credit repair. Beyond that there is a growing number of people looking for a second income.

Consider These Facts about the Market for a Credit Repair MLM

Approximately 35% of the U.S. adult population have a credit score below 620. This is considered sub-prime and will not get most qualified for a mortgage. That means that about 86 million people in this country at some point are going to need help with their credit.

44 million people in the U.S. have a second income or side hustle. It’s becoming more apparent that many Americans are having a difficult time meeting monthly expenses on one income alone.

Given these numbers there is a big opportunity to provide helpful services and to build a large team of people offering the services.

Why a Credit Repair MLM is Inherently Different Than a Typical MLM

Because credit repair is a financial service people perceive a person offering credit repair to be more like a traditional business person. The customer doesn’t need to be explained how an MLM works because they are not participating in the business at all. They are simply a customer of the service. It’s not that anyone is hiding anything it’s just that the business model is irrelevant to the customer. And, the business model has no bearing on the quality and performance of the service. In fact, because the main company provides the service and not the person in the field, the quality of the service is higher and more consistent.

Finding customers is a relatively simply process. You can and should let people that you know you’re in the credit repair business. They may need your service or know someone that does. Or, they may be looking for a second income. But the best place to find customers is to talk with those that see people with low credit scores daily. People that work in real estate, mortgage, automobile, solar and banking are great people to talk with. They benefit greatly be referring their credit challenged prospects to you. And again, there’s no need to explain the business model. You’re not trying to get people into the business. You’re just trying to help their credit challenged prospective clients.

And, yes there are millions in this country looking for that second income stream. Most desire to earn between $500 and $1,000 a month. They are not necessarily wanting to earn six figures. That means that if they simply find a few customers every month they will achieve their income goal and stay with the business long term. They may even decide to invest more time and effort into it. For those that want to earn significantly more, simply go find a lot of customers and people that want to earn $500 a month.

People don’t have to recruit. If they just want to earn that $500 to $1,000 a month they can do that from selling the services alone. They do not have to recruit anyone into their business. But note that if someone wants to earn a significant income or turn it into a full-time career, building a team is essential.

Learn More About a Credit Repair MLM

I started working with a credit repair MLM in 2012. The business has grown to the point where I earn a six-figure income out of my home office. If you’d like to learn more specifics about this business model watch the 20-minute video below. If you like what you see then click to ‘Book a Phone Appointment’ with me. We’ll talk about what you want to accomplish with a business. I’ll share my experience and what it takes to build a successful credit repair MLM and then you decide if it’s right for you.

Now Book a Phone Appointment

Credit Repair MLM
How to Build a Credit Repair Business

How to Build a Credit Repair Business

How to Build a Credit Repair Business

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.

Visit https://eracreditservices.com/credit-repair-business-opportunity/
to watch a video that will explain all the details on how to build a credit repair business for less than $300.

This post was originally published in September, 2016. It has been updated for accuracy and comprehensiveness.

Work From Home
Credit Repair Opportunity

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.

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/01/Work-From-Home-in-a-Credit-Repair-Business-4-625x415.png" alt="Work From Home
Credit Repair Opportunity" />
Start a Credit Repair Agency TODAY!

Start a Credit Repair Agency TODAY!

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!

To Do List for Starting a Credit Repair Business

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?

Of course, you have to choose the best credit repair software to use. Or, at least pick one that isn’t going to cost a fortune.

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.

Now Book That Appointment!

Financial Education Services – Learn the Business from a Top Producer

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.

 Coaching Calls

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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Financial Education Services – Learn the Business from a Top Producer