Category: Credit Report

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

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.

Now that you know more about us…Book a Phone Appointment!

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

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.

Fix My Credit- There Are Two Ways to Do It

American consumers are waking up to the fact that going through life with a low credit score and having poor financial health, is going to impact their quality of life almost as much as their physical health. It seems that everyone wants to know how to ‘fix my credit’ and recover from the mistakes of their past.

The good news is you can recover and restore your credit score and financial health in two ways.

Fix My Credit

The first is to remove, as much as possible, negative items from your credit reports with Experian, Equifax and Transunion, the 3 major credit reporting agencies. There is a specific process governed by federal law that can assist in removing erroneous, obsolete and unverified items from a consumer credit report.

By law, a consumer has the right to fix my credit themselves through the major credit reporting agencies (CRA’s). However, this process is a major expense to the bureaus and does not generate them revenue. Therefore, within the boundaries of the law, they have put up some roadblocks for consumers in making this process accessible while at the same time making it seem very accessible.

That is why credit restoration companies exist. To help consumers navigate through the process and take the burden of time and expertise off consumers. Just like many things we can do ourselves such as work on our own cars, replace our own hot water heaters, etc., it just makes sense to pay someone else who has more expertise to fix my credit for us. So, removing negative or derogatory items from our credit reports is one way of improving our score. And, that is always the first step in improving our credit score.

Fix My Credit – What Else Can be Done Other Than Credit Repair?

Whether we do credit repair ourselves or work with a professional, credit repair impacts just 35% of our credit score. What about the other 65%? Amounts owed, types of credit, length of credit history, and new credit all impact our credit score.

We educate people about how to fix their credit & offer services and solutions.

That is where our company has concentrated its efforts over the past few years and now offers a suite of services at a very affordable rate (just $89/month) to not only restore a consumers score by attempting to remove negative items but educate them on how to proactively increase their score as well.

Here’s a list of services and solutions we offer:

  • Credit Restoration
  • Online Credit Monitoring- See an updated credit report and credit score 24/7
  • Education on Attaining a Positive Credit Score
  • An Attorney specializing in trade line removal and creditor harassment
  • Debt Payoff- a service that teaches consumers how to pay off their debts in up to half the time
  • Identity Monitoring
  • Document Security and Organization- identifies and records the location of all one’s important personal & financial documents
  • And, several money-saving services as well.
  • Restoring a credit score is important, or course. But getting serious about improving and securing one’s complete financial health is imperative in today’s economy.

Fixing your credit is different than fixing someone else’s credit. That’s because what’s on your credit report is different than anyone else. So, in order to share what we’ll need to specifically do for you we would like to speak with you. Go ahead and Book a Phone Appointment. Click above or visit www.eracreditservices.com/credit-repair

This post was originally published in May of 2015 and has been updated for freshness, accuracy, and comprehensiveness.

Credit Repair Near Me

Credit Repair Near Me

Research tells us that one of the most popular search terms on Google is ‘credit repair near me’. The obvious conclusion therefore is that those in need of help want to work with a local credit repair company. That’s understandable. Working with local companies and business owners is usually preferable.

The typical reasoning is that there is comfort in knowing the person or people taking on this responsibility are within driving distance. You can physically see them versus just having a phone number to call that in our minds, may or may not be answered.

The credit repair industry is different than other financial industries

First, there is no licensing required by any state or the federal government for providing credit repair services. That means that many people claiming to be in the credit repair business may not have the expertise you need. The problem here is that you most likely don’t know what expertise you need either.

Second, small, local companies typically have not invested in the technology larger companies have. It’s important that you as a client have online reporting of the progress of your account. Otherwise even though you may have met this person the first time you’ll be calling all the time to find out what’s happening. Or, you’ll be faced with driving other to their place of business continually.

A Credit Repair Company Near Me

The best solution is to find a credit repair company that is large enough to provide the service you need, the technology required, and the experience to increase your credit score. While at the same time provides you with the service and comfort level of a small, local credit repair company.

ERA Credit Services Has Been Serving the Local Tampa Bay Community Since 2014

ERA Credit Services can help people in all 50 states improve their credit score. We’re partnered with companies that have been in business since 2004 that have an A+ Better Business Bureau rating and are nationally certified.

A Local Credit Repair Service You Can Trust

The best way for you to judge our experience is to talk with us. We make it easy for you. Simply click below to ‘Book a Phone Appointment’. Our calendar will pop up. Choose a day and time that works for you. We even have evening and Saturday appointments available.

We’ll discuss your specific situation and give you reasonable expectations for removing your negative items. We’ll then explain credit repair in detail so you exactly what will occur. Then we’ll explain our other services that are provided to you at no extra cost. These services can further help you increase your credit score. We’ll explain our fees, cancellation procedure, and customer satisfaction guarantee in detail.

There is Simply No Better Credit Repair Company Out There

Local Credit Repair Company – Why Choose Local?

With today’s technology business can be done across the country and even across continents. So any reputable credit repair company should be able to provide service to clients here in the Tampa Bay area.  That’s assuming they have met the state of Florida mandated requirements or are exempt from those requirements.  So why choose a local credit repair company?

Why Choose Local?

There is a certain comfort level when dealing with a local credit repair professional. It helps if they are members of local organizations and have a presence in the community. Also, you get a sense of community spirit from supporting businesses that pay local taxes and generate revenues that are put back into your community.

The Downside of Local Credit Repair

However, in the credit repair industry local doesn’t always mean better. There is no licensing in our in the industry. Therefore people don’t have to prove they know what they’re doing before they begin doing it. That’s not good if they are doing it for you. If you want to do business with a local credit repair company do just a little homework first.

ERA Credit Services – A Local Tampa Bay Credit Repair Company

We’ve been in business since 2012 and are backed by a BBB rating and accreditation. As well, we are backed by a certification from the National Association of Credit Services Organizations. That means you can trust that we know how to repair credit.

Boost 100% of Your Credit Score

Credit repair is a great service. However, it only counts toward 35% of your score. We work on 100% of your score by education you, making recommendations, and providing other services to boost your credit score.

Local Credit Repair Office in Clearwater

Our office is in Clearwater. Find us on Google Maps

Check Our Reviews

We have dozens of reviews from local clients as well as those from around the country. Check Our Reviews

Always Be Informed

We give you a secure online portal so you can monitor the progress of your credit repair process.

$99 Account Activation Fee and only $89/month

The specific length of time it will take depends on the number of derogatory accounts, what type of accounts, and who are the creditors. We can advise you better once we talk with you. But just know…you are always in control. You can cancel with a quick phone call.

FREE, NO OBLIGATION PHONE CONSULTATION

Book a phone appointment with us on a day and time convenient for you. We’ll find out about your specific situation and determine if and how we can help you. Then we’ll explain the process in detail so you feel comfortable. There is no sales hype.

Local Credit Repair Company – Why Choose Local?

Should I Choose a Local Credit Repair Company?

We have the choice to do business with a local credit repair company in San Diego or a national company. Most people would like to do business locally. There simply is a comfort level doing business locally. Perhaps the thought of being able to find and visit the company should something go wrong is a compelling reason. And, we would more likely want to help out a business in our own economy. This is no different when choosing a credit repair service and perhaps these reasons are even more compelling.

Credit Repair Process and Concerns

In 2012 I was looking for a local credit repair company to refer to some of our accounting clients. I called several of our local San Diego credit repair companies. Most companies that were one woman or man operations. And, they hadn’t been in business very long. I was looking for a credit repair agency with a proven track record.

Local Credit Repair in San Diego local credit repair

There were two or three local companies that did credit repair in San Diego that had a track record but they were very expensive. I was looking for an affordable service for my clients. Then I started calling national credit repair companies that had a track record but discovered that most of them were expensive as well. And, I didn’t get the comfort level that my clients were going to receive personal attention.

I had a bit of a dilemma on my hands until I found United Credit Education Services. They had everything I was looking for in a credit repair agency. UCES had a track record since 2004, proven results, an A+ Better Business Bureau rating, a very affordable price, and a customer satisfaction guarantee. There was only one problem. They didn’t have a local representative in San Diego.

A New Local Representative in San Diego

There are many people in need of a local credit repair company in San Diego. Therefore, I eventually turned over the operations of my accounting business and opened a San Diego credit repair company in 2012. That business has grown substantially since then.  Our clients have a large staff of credit repair experts to rely on. Yet they also have a local representative that will give them the personal attention they need.

My solution to the problem of not finding a local credit repair company in San Diego was to find the best credit repair company and represent them. To learn why we are the best click below to Book a Phone Appointment. We provide a free, no obligation phone consultation. No sales hype. We will assess your situation, explain what we do and let you make a decision. Is credit repair right for you? Book the appointment and let’s find out.

This post was originally published in July 2013 and has been updated for freshness, accuracy, and comprehensiveness.

Best Credit Repair Service – Fix 100% of Your Credit Score

You may have some issues with your credit score and want to do something about it. You’re familiar with the term credit repair and feel that’s the best solution. However, the best credit repair service is not just credit repair. What? That doesn’t seem to make sense. But read on or watch this video and it will.


Credit repair is simply removing negative or derogatory items on your credit report. That is called “Payment History”. If successful, it will give you a bump in your credit score. But your credit score is made up of 5 general components. Payment history is only one of those components. When you do credit repair alone it accounts for only 35% of your overall credit score.

The Best Credit Repair Solution

The best credit repair service will work on 100% of your credit score. What if working on the other 65% could increase your credit score much higher than working on payment history alone? And, what if you could work on 100% of your credit score and it cost you exactly the same as working on just 35%?

Fix 100% of Your Credit Score

The vast majority of credit repair companies work only on payment history. At ERA Credit Services we are an Independent Agency and have relationships with many other major, well known companies. We incorporate the credit services of these other companies to work on 100% of your credit score. Therefore, we give you the best credit repair service available in the country.

Don’t Ignore 65% of Your Credit Score

We are going to show you how to pay down your debts owed with the exact same amount of money you are using to pay debt now. That factor is 30% of your credit score.

If needed, we will help you establish new credit. That is 10% of your credit score.

We also have ways to add to your credit history making you more credit worthy. That accounts for 15% of your score.

And, by helping you establish new credit and adding to your credit history it will add to the types of credit you have. Credit mix is the final 10%.

There is no company like ours in America today that will give you this array of services. We provide you with the best credit repair service for the same price other companies charge for credit repair alone.

To Learn How We Can Help Your Specific Credit Situation…

Best Credit Repair Service – Fix 100% of Your Credit Score

San Diego Credit Repair – How to Choose the Best Credit Repair Company in San Diego

So, you used Google or YahooSearch to find a San Diego credit repair company and you’ve found many. How do you choose which ones to even call? Every one of them tells you they’re the best and most effective. Here are some tips that will help you sift through all the marketing hype.

Big National Credit Repair Company vs.
a Local San Diego Credit Repair Company san diego credit repair company

This can be a tough choice. It’s seems a good thing to work with a local company. But you have to beware of local companies. Many local San Diego credit repair companies are one person operations that have limited resources in their abilities and have no backup should something happen to that one person such as illness, vacation, closing their business and worse. What happens to your account and money? The national companies typically have poor or no personal customer service. And, what’s your recourse should you not get the results you’re looking for?

Solution– Our company is local and national. We have the personal customer service you should expect from a San Diego credit repair company. However, if something should happen to us locally you have a national company with 14+ years experience and phenomenal customer support backing us up. You get the best of both worlds. And, you get our Customer Satisfaction Guarantee that will be honored no matter what happens to us locally.

Pricing– This really comes down to overall cost. What you need to be aware of is that most companies will not address all your negative items immediately. They do this with one goal in mind. That’s to keep you paying monthly fees longer. We do business differently. We address all items immediately. Our goal is to get you the highest credit score as quickly as we can. Why? because you’ll get great results and save money. Then you’ll tell people about us. Also, we do business with many of the top real estate and mortgage companies in San Diego. They want us to get that client qualified as soon as possible. We charge a $99 account set up fee and just $89/month.

The Fastest, Most Effective San Diego Credit Repair Company

A standard practice in the credit repair industry is for companies to purposely slow the process down. They do that to get their client to pay more monthly fees. Our goal is to get you the highest credit score as quickly as possible. Why is there a difference? It’s simple. Most companies get their business through advertising directly to the consumer. We get most of our business through referrals from real estate, mortgage, banking, auto, solar and tax professionals. We have to perform quickly or these professionals will stop sending their client s to us.

Solution- We challenge every derogatory item on all 3 of your credit bureaus reports immediately. We do that regardless of how many items. Therefore we provide the fastest, most effective service of an San Diego credit repair company. In fact, we have the best, most complete service in the country.

How Can You Stay Informed About the Progress of Your Credit Restoration?

Most companies, once you sign up with them, do not communicate with you after that unless you call them. You do not see what they are doing nor see the results on a regular basis. How will you know what’s going on with your account? What are you getting for your money? In fact, they hope you forget you even signed up for the service so they don’t have to keep you informed or worry about your satisfaction.

Solution– When you begin service with our company we analyze your credit reports and upload all your derogatory items to an online, password protected account. You can then log in 24/7 and see your items and then follow the progress of what items have been deleted, upgraded to paid as agreed, and what items remain for us to work on for you. You are not in the dark. You see us working for you every step of the way.

For more information and an assessment of your specific situation

ERA Credit Services

Call 619-492-3040
Email us at [email protected]

This post was originally published in June, 2014 and has been updated for freshness, accuracy, and comprehensiveness.

ERA Credit Services is an Independent Agency representing a 501(c)(3) non-profit organization and does not directly provide credit repair services or accept funds from clients for credit repair services.

Clearwater Credit Repair

A Complete Plan to Increase Your Credit Score

If you face challenges with your credit score you may search online for a solution and call a credit repair company. All Clearwater credit repair companies will tell you that they’ll attempt to remove negative items from your credit report.

But will they address all derogatory items immediately? Will they give you online reporting to so you can monitor the progress of your account? And, will they provide other services to help increase your credit score? These are the questions you should ask. But we already know that the answer is “no”.

Your credit score is not just based on negative items on your report. You need an overall credit score plan that will impact every aspect of your credit score.

You can read on but if you’d like we can explain this all to you over the phone.

We analyze your reports with all 3 credit bureaus (Equifax, Transunion, Experian). We then provide you with a credit score plan that includes our A+ Better Business Bureau rated credit repair service to maximize your credit score. And, you can track it all online, 24/7.

The Clearwater Credit Repair Plan

We give you a full and complete credit repair plan. We start with credit repair. We’ve been a top rated Clearwater credit repair company since 2014. We have become the company of choice for real estate companies, mortgage companies and banks for credit repair in Clearwater and Pinellas County.

Online Reporting 24/7

We give you on online account so you can see the progress of what we are doing. You’ll see the negative items we are working on for you. We dispute all your items immediately unlike other companies that want to prolong your service with them. Because we get the majority of our business from referrals from business professionals we need to act as quickly as possible.

A Credit Repair Plan of Action – Credit Builder

What about other steps you can take to increase your score? We give you a plan of action called Credit Builder to increase your credit score now. This knowledge will help you for the rest of your life so you can always have the best credit score possible.

Real-time Online Credit Monitoring

You need to see your credit score and be able to access your credit reports 24/7. How else will you know if credit repair is working? Free services like Credit Karma do not give you all 3 credit bureau reports. Nor are they reported in real-time. We give you that.

Identity Theft Protection

We then protect your identity through PrivacyArmour. Why? Because as you increase your credit score you become a higher risk to have your identity stolen. That would disrupt any plans of buying a home, getting a business loan, buying a car, etc.. We prevent that from happening.

Debt Utilization

What about your existing debt? Debt utilization is a major factor in calculating your credit score. If appropriate, we give you a plan to pay down that debt using the same amount of money you currently use to pay debts now. Not only does it increase your credit score but you save thousands, potentially tens of thousands of dollars in interest.

Other Credit Score Services

If you currently are a renter of a home or an apartment we can talk to you about adding your monthly rental payment to your Transunion credit report. This will add another positive account to your history this increasing your score. We also have a secured credit card program if you need help adding positive accounts or what’s called trade lines. The more positive accounts you can show the higher your credit score will be.

Let’s Make Sure We Can help You

Does this sound like the plan of action you need? Then click below and ‘Book a Phone Appointment’.
Pick a day and time that fits your schedule. We’ll call you at that time.
We’ll talk about the specifics of your situation. We’ll explain exactly what we do.
Then you decide if working with us if your best plan of action.

Call Us for Clearwater Credit Repair at 727-222-0120

ERA Credit Services is an Independent Agency representing a 501(c)(3) non-profit organization and does not directly provide credit repair services or accept funds from clients for credit repair services.
Clearwater Credit Repair