ERA Credit Services

Category: Credit Repair

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

How to Generate Solar Sales
with Credit Repair

How many sales are you or your company losing because homeowners cannot qualify for financing the installation of your solar system due to credit score? Homeowners typically need a credit score of 640 or above to qualify. And in some cases significantly higher. If you’re experiencing many situations where homeowners can’t qualify due to credit score pay close attention. I’m going to share with you how to generate solar sales with credit repair.

I started my credit repair business in August of 2012. In October of that year I went to a local street fair and stopped by a table that had been set up by a solar company. The young lady that was behind the table asked me, “have you ever thought about adding solar to your home?” I told her that I hadn’t. But I asked her, “How many times do you sell a solar system and the homeowner can’t qualify due to credit score?” She rolled her eyes and told me that it was an alarming amount. It was frustrating to her and the other salespeople. And, she told me that the turnover of salespeople was high because of it.

Solar Companies Lose Up to 50% of Sales Revenue

I got the manager of the company’s information from her and set an appointment to meet with him. He shared with me during that 1st meeting that (as of November) they had written contracts for about $100 million so far that year and over 50% of the homeowners didn’t qualify for financing. They had lost $50 million in sales that year because homeowners didn’t have the credit score to qualify.

I talked with him about how to generate solar sales with credit repair and we began working together. Each “turn down” they got was passed on to me. We enrolled several of these homeowners in our credit repair program and within a few months I was passing some of these homeowners back to them as qualified prospects.

How Many Home Owners Will Come Back?

Will every homeowner reach the credit score required by going through our credit repair program? No, not everyone. It will depend on why their credit score is low to begin with. Will every homeowner that increases their credit score come back to you and have you install solar on their home? No. They may change their mind or have other priorities by that time. It typically takes a minimum of 90 days and up to 6 months or longer in some cases.

But you will get some of them back. Wouldn’t it make sense to start building a pipeline of homeowners that potentially will come back to you as motivated and now qualified prospects? What if it added just 10% to your revenue each year? Depending on the amount of sales you or your company does on an annual basis, it could mean millions of dollars in sales.

Partnering With Us to Increase Solar Sales with Credit Repair

Because we are able to do business in all 50 states we have helped solar companies all over the country. To learn more about what we do for credit challenged consumers visit our Partner page. There you can watch a video about how we partner with professionals in real estate, the mortgage business, bankers, solar salespeople and solar companies. You’ll also see an icon where you can book a phone appointment with me, Dale Guiducci. We’ll talk about your situation and formulate a game plan to generate more solar sales for you.

One Other Option to Consider

Some solar salespeople become Agents with our company. Instead of just referring the client to us they sell our services to that client and generate the income associated with the sale. As an example, Nick Jones out of North Carolina started selling our credit repair service in 2016. Today he has a credit repair business that will generate over $300,000 in sales this year. For details on our credit repair business visit our Business Opportunity page.

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.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/05/How-to-Generate-Solar-Sales-with-Credit-Repair-625x415.png" alt="How to Generate Solar Sales
with Credit Repair" />
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/04/how-to-use-credit-cards-to-build-credit-score-625x415.jpg" alt="How to Use Credit Cards
to Build Credit Score" />

How to Use Credit Cards
to Build Credit Score

People fall into 2 major categories. Those with credit cards and those without. Whether you’re in one or the other you need to know that credit cards are an essential element in improving your credit score. So, let’s talk about how to use credit cards to build credit score for both groups.

People Without Credit Cards

I totally get it. Maybe you’ve had credit cards in the past and things got a little out of hand. You let the balances get a little too high and had a hard time paying them off. Now you just want to pay cash for everything and stay out of trouble. That would be a good plan if you didn’t need to finance anything, ever. You would never need a mortgage or a car loan. You’ll never try to rent an apartment. No need for car, renters or home owners insurance. Or, you simply move to a country where credit scores aren’t checked like they are here in the States. But let’s assume you stay in the U.S. and eventually need to do some of these things. If you don’t have at least one credit card you are missing a very important tool for building a good credit score.

How a Credit Score is Calculated

Payment History- 35%
Amounts Owed or Debt Utilization- 30%
Length of Credit History- 15%
New Credit- 10%
Types of Credit- 10%

Getting or having a credit card can positively impact all 5 of these categories. That’s assuming two things.  Payments are made on time, and balances are kept under 30% of the limit of the credit card limit. Using revolving credit such as a credit card also shows future creditors responsible use of credit.

You may not think it’s fair to have your credit worthiness judged based on these or any other factors. Or judged at all. But those are the rules that all people living in the U.S. must play by if they want to be able to get credit. If you do not have at least one credit card you are going up to the plate without a bat in hand.

Want a Credit Card but Have a Credit Score Too Low to Get One?

Get a secured card.  Secured credit card issuers will give you a card because they ask you to put an amount of money on account with them to “secure” the card. They, in effect, are getting their money up front in the event you don’t pay the balance. That amount is equal to the limit of the card. This is a great way for you to insure you don’t get irresponsible with credit cards. If you get a secured card make sure it reports to all 3 credit bureaus to best help you build your credit score. Here’s one that we recommend.

The First Progress Platinum MasterCard® Secured Credit Card

People with Credit Cards

Good for you! You are utilizing a tool to help you have a positive credit score. But that tool can become a double-edged sword in a few ways. I already shared one way. If you let the balances go over 30% of the limit of the card and can’t pay it down quickly, you are then hurting your credit score. Pay very close attention to this. Know what your credit card limits are. If you go over that 30% threshold stop using the card and pay it down.

However, there’s more to pay attention to if you have credit cards

If you do not pay the balance down to zero every month this is important. What’s the interest rate or APR on that credit card? Even if you keep your balance below 30% you are still paying interest on that balance very month. The interest you pay can add up to more than half of the balance. In some cases the interest paid can far exceed the balance.

Example
$1,000 balance
25% interest rate
$30 minimum payment (3% of the balance)
By making only minimum payments it will take over 11 years to pay that balance off and it will cost you $1,499 in interest. So that $1,000 balance turns into $2,500 paid to the credit card company. And, this assumes you don’t use the card at all during this time period.

How to Use Credit Cards to Build Credit Score

  • Get out a note pad. Write down all your credit cards (Note- if you have more than 3 credit cards you might be hurting your score by having too much credit available. However, DO NOT CLOSE AN ACCOUNT IN GOOD STANDING. It will negatively impact your credit score. Just don’t use the excess cards)
  • Look at your statement or call your credit card company and determine the limits on the cards
  • Note the balances
  • Write down the interest rates
  • List the minimum payment amounts for the current balance

Pay attention to the following:

  • Are your balances above or below 30% of the credit card limit? If so, by how much?
  • Is the interest rate on any of your cards above 17.67%? That is the current average APR (average percentage rate) on all credit cards as of the date of this post. To check the current average credit card APR just Google it.
  • Are you paying more than the minimum payment each month? If not, start doing that even if the balance is below 30% of the limit. The goal is to pay as little interest to the credit card company as possible. That’s money out of your pocket.
  • How long will it take you to pay that card off using your current average monthly payment? To determine this use this Credit Card Interest Calculator 

If your balances are 30% or more of the limit establish a plan to pay them down. Stop using the cards until you have accomplished that goal. Then once you start using them again keep the balances under 30%.

What If Your Balances Are So High You’re Getting Eaten Alive by Interest?

If the balances of your cards are out of hand and you can’t afford to make more than the minimum payment then you need to get out of that card. How do you do that? By looking for offers to transfer that balance to a new credit card that gives you a year or more interest free!

This is a great strategy because it will give you a year to make payments that are applied completely to the principal balance. That means every dollar pays down the balance. This could give you the opportunity you need to pay down or pay off that card!

To find offers for transferring balances on existing cards visit No Interest Transfer Balance Credit Card Offers

Conclusion- Use these quick and simple steps on how to use credit cards to build credit score.

If you have credit cards pay attention to how you’re using them and play the credit game as well as you can. If you use your credit cards correctly you can impact your credit score significantly.

If you have negative accounts on your credit report we can potentially get them removed for you. For more information visit Credit Repair

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.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

Best Credit Repair Services

For nearly 7 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. To understand 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 score. 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 report. 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 call it ‘Credit My Rent’.

Credit My Rent adds a client’s monthly rental payment of a home or apartment onto their Transunion credit report. We can add up to the previous 2 years of these payments. This will boost 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, to pay down credit card balances is easier said than done. We give our clients on 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 and 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!

WE GIVE YOU 3 OPTIONS

Option 1- Call us at 727-222-0120

Note- we are super busy helping our clients. If you get our voice mail please leave a good time to contact you. Thanks!

Option 2- Input your info and we’ll contact you within 24 hours

Option 3- Click below to Choose the Day & Time You’d Like Us to Call

AND, we’ll take $50 off when you book an appointment!


Appointment Calendar is Set for Eastern Standard Time

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.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

Best Credit Repair Services
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2019/02/Lexington-Law-Review-Comparison-with-ERA-Credit-Services-2-625x415.png" alt="Lexington Law Review
Comparison with ERA Credit Services" />

Lexington Law Review
Comparison with ERA Credit Services

Lexington Law is perhaps the most well known credit repair company in the industry. Here is a Lexington Law review. Let’s see how we at ERA Credit Services compares with this industry giant.

Note- ERA Credit Services is an independent Agent for United Credit Education Services (UCES). The information below is based on data regarding both ERA Credit Services and UCES.
The information listed below regarding Lexington Law was provided by Simple Thrifty Living

Lexington Law

  • Years in Business – 25
  • States Serviced- All 50
  • BBB Rating (as of 1/31/19)Not Rated
  • BBB Accreditation –  NO
  • BBB Star Rating – <2 out of 5
  • BBB Complaints 578 (last 3 years)
  • National Association of Credit Services Organizations (NACSO) Accreditation – NO

ERA Credit Services

Services Offered

Note- Typically Lexington Law addresses one or two accounts approximately every 60 days which increases the length of time to complete the service.
  • Standard service of disputing items with the credit bureaus
  • Premier Service- Add credit monitoring and credit improvement analysis
  • Premier Plus- Add identity fraud alerts and personal finance tools

Services Offered

  • All negatives items addressed immediately (within 5-7 business days)
  • Credit attorneys to address credit bureaus and debt collectors
  • Online Client Portal for monitoring your account
  • Real time Online Credit Monitoring
  • Identity Monitoring and $1,000,000 Identity Theft Protection Policy
  • Credit Building Recommendations and Tools
  • Online Debt Pay Off System
  • Online Budgeting Tool
  • Will, Trust, Powers of Attorney
  • Net Worth Calculator and Planner
  • Savings Goals Planner

Fees Charged

Standard Service – $89.95/month

Premier Service – $109.95/month

Premier Plus – $129.95/month

Fees Charged

$99 One time Activation and $89/month for all services

Average Length of Service

One Year– reported randomly by consumers

Note- some clients saw faster results and some clients saw slower results.

Average Length of Service

6 Months

Note- some clients saw faster results and some clients saw slower results

Summary

After this Lexington Law review and comparison with ERA Credit Services you can make an informed decision. Should you go with the industry giant? Or, should you go with a company that has a goal of getting you the highest credit score as quickly as possible? And, will provide you with more service for less cost.

To learn more ‘Book a Phone Appointment’ with us today!
It’s Free with No Obligation

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The Best Credit Repair Company
in San Diego

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?best credit repair company

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.

Track Record

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.

Start Repairing Your Credit in Just 15 Minutes for Less Than $3 a Day!

STOP putting up with a poor credit score, not qualifying for the things you want, and having that negative feeling

WE GIVE YOU 4 OPTIONS

Option 1- Call us at 619-492-3040

Note- we are super busy helping our clients. If you get our voice mail please leave a good time to contact you. Thanks!

Option 2- Input your info and we’ll contact you within 24 hours

Option 3- Click below to Choose the Day & Time You’d Like Us to Call

AND, we’ll take $50 off when you book an appointment!


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

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.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

This post was originally published in January of 2014. It has been updated for accuracy and comprehensiveness.

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2014/01/Credit-Repair-San-Diego-ERA-Credit-Services-625x415.png" alt="The Best Credit Repair Company
in San Diego" />
How is a Credit Score Calculated?

How is a Credit Score Calculated?

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.


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.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

Free Credit Repair

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?

free credit repair
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.


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.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

Free Credit Repair