Category: Credit Report

Credit Repair May Be Needed by Many Boomerang Home Buyers

According to a January 26, 2015 article published on RealtyTrac.com, more than 7 million people will fall into the category of Boomerang buyers and enter the housing market over the next 8 years. People that lost their homes prior to 2007-2008 are now in a position to start looking to be a home owner once again. Part of the reason is that they are now past the 7 year period where a foreclosure or short sale (or any derogatory item) should show up on their credit report but still may be in need of credit repair. Credit bureaus do not always remove these items in a timely manner. And, over the next few years more people will be past that 7 year period and will once again, have the opportunity to buy a home.

The article also shared that these consumers still may have other derogatory items on their reports and may need to utilize credit repair in order to raise their credit score to the level required by mortgage lenders. Individuals can attempt to do it themselves by contacting the credit bureaus directly. However, it is time consuming and requires knowledge of the law. An alternative is to hire a professional, reputable credit restoration company.

Las Vegas, Northern & Southern California, Florida and Detroit, MI are markets that are likely to see the most activity.

Credit repair for Boomerang Home Buyers Infographic

What consumers must realize is that time is required to go through the credit repair process.

It can take anywhere from 60 days to several months to effectively clear a credit report of derogatory items. We have offices in Clearwater, FL and San Diego, CA to help people repair their credit.  And, we work with independent Agents around the country that can assist consumers in any U.S. market.

For San Diego credit repair call 619-492-3040. For Tampa, St. Pete, Clearwater credit repair call 727-222-0120.

We offer a free, no obligation consultation. Together we will determine whether credit restoration can help you by discussing your individual situation. We will then give you details on the process and time frame.

Get ready for the opportunity to be a home owner once again by taking action now to restore your credit and your overall financial health.

Visit https://eracreditservices.com/credit-repair/

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Proposed Overhaul of Credit Reporting Agencies

At the very least someone is paying attention to the practices of credit reporting agencies. Maxine Waters, a member of the U.S. House of Representatives from the 43rd Congressional District (South LA County, CA), has proposed sweeping changes to the way the big 3 credit reporting agencies (Experian, Equifax, Transunion) handle consumer information provided by creditors.

credit reporting agencies

Proposed Changes under the Fair Credit Reporting Improvement Act of 2014

The Fair Credit Reporting Improvement Act of 2014 proposes the following changes which would increase millions of consumer credit scores immediately:

  1. Currently creditors have the legal right to report a derogatory credit item on consumer credit report for 7 years, or 10 years in the case of a bankruptcy. The new bill, if passed, would reduce these time frames to 4 and 7 years respectively.
  2. Paid or settled delinquent debt remains on a credit report as a derogatory account. The bill would eliminate this although it is unclear as to whether the item would be deleted, upgraded to a ‘Paid as Agreed’ status, or other.
  3. When a consumer’s account has late payments their credit report reflects those late payments for the previously mentioned 7 year period. The bill would allow for a consumer to make a certain amount of on-time payments (perhaps 9 consecutive months) and have the previous late payments dropped from the report.
  4. Currently when a consumer disputes an item on their credit report that dispute is reflected on the report preventing them from closing a home loan in some cases. The bill would eliminate reporting of disputes unless the dispute by the consumer is deemed frivolous. Of course, what is deemed frivolous is controlled by the credit bureaus so this may or may not have much positive impact.
  5. The bill would eliminate the credit bureaus from offering a ‘free trial’ program to obtain their credit score and then switching consumers to a ‘paid program’.
  6. Currently consumers have the right to one free credit report per year from each of the 3 credit bureaus but they still have to pay for their scores. The bill would force the bureaus to also provide free credit scores once per year.
  7. Approximately half of all employers run credit checks on applicants. This bill would drastically reduce the number of employers able to do so by categorizing those than can. How this will be done is still unclear.

But Are Positive Changes to the Credit Reporting Agencies Really Coming?

This may be a welcomed bit of news for those in the know of current reporting practices but it isn’t cause to get excited just yet. Business Week stated that the bill is “unlikely to pass”. Business Insider goes further and states that, “the newest credit reporting act doesn’t have a chance”.

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Consumer Debt is Still a Big Problem

Even though most recent reports signal a recovery of the U.S. economy from the worst financial crisis in close to 100 years, delinquent consumer debt is still a major drain of individuals and the economy as a whole. Reports indicate that there is a bigger problem in this area than experts previously thought. And, many consumers don’t even realize they owe this delinquent debt.

A report by the Urban Institute from late July, 2014 revealed that about 77 million adults have delinquent debt on their credit report. This excludes mortgage debt and takes only into account unpaid medical bills, credit cards, utility bills and other forms of consumer debt.

consumer debt

Income Level and Consumer Debt

This report also found large differences in the amount of consumer debt owed based on income level. Areas with lower incomes, such as the South, had collection rates as high as 40%. They also found concentrations of past due debt in Texas and Louisiana amongst other regions.

What was also interesting about this report is that creditors don’t seem very active in seeking payment of this debt. Many consumers discover that they have unpaid bills only when they go to purchase or lease a car, rent an apartment, buy a home, or make some other type of purchase that requires a check of their credit report.

Our Advice to You

Based on these findings our advice is to get a copy of your credit report. You can obtain a free copy of your Experian, Equifax or Transunion credit report at www.annualcreditreport.com. If you do have unpaid debt you can either call the creditor and negotiate a payment, or you can call us. Through our industry best credit repair service we can potentially get it removed from your credit reports on all 3 bureaus.

ERA Credit Services
www.eracreditservices.com
619-492-3040
727-222-0120

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Fix Your Credit Through the Credit Bureaus

All 3 major credit bureaus (Experian, Equifax & Transunion) give consumers the ability to fix your credit and dispute derogatory or negative trade lines through their websites. This is required by the federal government. However, because the credit bureaus give us the ability to do this doesn’t mean they are an advocate of the process or are working on our behalf to help us clean up our credit reports. Fix Your Credit

Here is why and its basic logic. The credit bureaus do not generate revenue or make a profit by having to address negative items on our credit reports even if they are erroneous or obsolete. This process is a huge expense for these companies. It’s simply a downside of their business. Therefore they are not going to make it easy to fix your credit.

Steps To Fix Your Credit

First, they are going to require that you prove your identity. If you cannot prove you are who you are they are not going to allow you to submit a dispute. There is actually a very valid reason for this, identity theft. The bureaus are not going to send updates on your credit report giving out personal financial information to someone that they are not sure is you. Therefore, be prepared to answer random questions that will give the bureaus enough information to validate that you are who you say you are.

Then you will have to provide a valid reason for the dispute. What is valid to you is not necessarily valid to them. For instance, because you co-signed for a loan or credit card for someone and they didn’t pay is not a valid reason to have the item removed from your credit report, nor is being deployed on active duty in the military, or going through a divorce. There are valid reasons for disputing an item such as, the account wasn’t yours. But the credit bureaus are not going to publish this information. This is further evidence that they want to make it as difficult as possible for consumers to fix your credit.

If you are successful in submitting a dispute through the credit bureau website or writing a letter, and you receive an update from the bureau verifying the accuracy of the account on your report and thus stating that the information will remain unchanged, don’t give up there. This is the biggest mistake consumers make when trying to dispute items on their own. Dispute it again. Make the credit bureaus contact your creditor and have that creditor respond again. Do it several times. In some cases when the creditor sees that you are not giving up they will simply not respond to the bureau(s). When this occurs the item must be deleted from your report.

A Professional Service Can Save Lots of Time and Frustration

As you can tell this is a lot of work and most of the time leads to failure and frustration. Many consumers make the decision to pay for a professional company with a good track record to go through all of this for them. Companies that have been in business for several years know exactly how to navigate through this process, the proper dispute reasons and codes, the acceptable proof of identification needed, and will not give up.

If you decide that your time is worth far more than trying to fix your credit on your own give us call. We have been in business since 2004, have helped over 250,000 people, work in all 50 states and have an A+ BBB rating. We will work on all 3 bureau reports, dispute as many items as you have, all for a one time activation fee of just $188 and $89/month. We also give you online access to view your items and see the progress we are making on your behalf.

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Boomerang Buyers – San Diego Real Estate Market

Chances are that you have never heard of boomerang buyers before. Boomerang buyers are former home owners who have gone through a short sale, foreclosure, or bankruptcy in the past few years and are saving up for a down payment to purchase a home again—are coming back. Of course, one of the issues these people face is repairing their damaged credit and getting their score back up to be able to qualify for a mortgage.

Boomerang Buyers

I recently had an opportunity to discuss this topic with one of the top real estate professionals in San Diego, David Demangos.  As a tenacious and powerful Keller Williams Real Estate Agent, David’s desire is to help his clients buy and sell residential real estate. He is known as San Diego’s “go-to guy” and is extremely well networked. David connects local business people, building relationships, resulting in repeat referral business for one another. His leadership and management skills shine through.

Boomerang Buyers Are Re-Entering the Market in San Diego

David recently sold a home to a nice man who short-sold his home, built his credit back up and purchased a new home in just around twenty five months. Boomerang buyers are expected to flood markets in some of the hardest hit areas for short sales and foreclosures in the coming years. They are predicted to account for nearly one in every five home sales in the certain metro areas this year such as San Diego.

Rising rents and the desire to own again now that the economy is more stable are driving many boomerang buyers to re-enter the market. They also want to jump in before interest rates and home prices climb too much higher.

How Soon Can Boomerang Buyers Jump Back Into the Real Estate Market?

But how soon they can jump back in will depend on the type of loan they had as a previous home owner. According to my trustworthy lenders, boomerang buyers who had FHA loans may need to wait only three years if they can prove that a hardship, such as job loss or death of a wage earner, led to their foreclosure or short sale.

Borrowers have typically been required to wait five to seven years to qualify for another loan, but mortgage giants have begun to change their rules to allow home owners who underwent a foreclosure or short sale to qualify sooner. Those who underwent a short sale will likely qualify the soonest. However, not all lenders are participating, so borrowers will need to shop around. David is well equipped to refer people to lenders who can help.

Freddie Mac’s wait time is usually four years following a short sale or deed-in-lieu, and seven years after a foreclosure. Fannie Mae may require a seven-year wait for a foreclosure, but only a two-year wait following a short sale as long as the borrower can provide a 20 percent down payment.

Credit Score Implications for Boomerang Buyers

However, for all these people their credit score is going to be an issue. David and I agree that the first step anyone who wants to “boomerang” back into the market must take is to check their credit score and determine the gap, if any, between that score and a score that will qualify them for a loan.

Between David Demangos and me, Dale Guiducci of ERA Credit Services, we can help you step through the process of getting in position to be a boomerang buyer.

Who do you know looking to buy, sell or invest in real estate? Call:

David Demangos
Keller Williams Realty
Cell:  858.232.8410
Realtor® BRE# 01905183
San Diego Real Estate Area Expert / Green Specialist / ALC Committee
www.awesomesandiegorealestate.com

LABELS: BOOMERANG BUYERSFORECLOSURES IN SAN DIEGOHOMES FOR SALE IN SAN DIEGOSHORT SALE HOMES IN SAN DIEGO, credit repair in san diego, san diego credit restoration

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Pull Your Credit Report and Check These 5 Items

One of the most important things to do regarding one’s finances is to pull your credit report periodically. Learning how your credit usage and payment history impacts your credit score can help you keep your credit score as high as possible. Understanding the factors that can lower your credit score can help you set financial goals.

You can get a free credit report at www.annualcreditreport.com. You are entitled by law to a free credit report each year from each of the 3 major credit bureaus Experian, Equifax and Transunion. Pull Your Credit

When reviewing your credit report, pay close attention to these five areas of information to make sure your score isn’t being adversely affected:

What You’ll Find When You Pull Your Credit

Personal Information

Check your full name and any variations, your spouse’s name, birth date, Social Security number, current and past addresses. If there are misspellings or an incorrect address, these items might have been listed when a lender reported the data inaccurately, and can be corrected. It is important to correct these items especially if you have a more common name as creditors of another person with a similar name, even a relative, may wrongly report their information on your credit report.

Current Accounts

Each of your active accounts, such as mortgage loans and credit cards, will be listed along with the date the account was open when you pull your credit. They will appear as “in good standing” if you’re current on your payments, or “delinquent” if you haven’t paid your full monthly payment due or even show late payments from previous months or years. This information can remain on your credit report for up to 7 years.

Closed Accounts

Closed and inactive lines of credit frequently still appear on your credit report. These items will stay on your credit report for different lengths of time but also up to 7 years.

Inquiries

Hard Inquiries occur when a lender checks your credit as part of the approval process. Having too many hard inquiries could mean that you are overextending yourself which could potentially lower your score. Furthermore, hard inquiries are the result of you requesting additional lines of credit from a lender. If you didn’t authorize the inquiry, this could be a sign of identity theft.

Soft Inquiries are typically made by companies that want to check your credit score to make a decision to market to you their line of credit such as credit card companies, retailers, and car dealers or manufacturers. These soft inquiries do not affect your credit score.

Negative or Derogatory Accounts

When you pull your credit you might see items such as past due accounts, bankruptcies, foreclosures, judgments, charge offs, late payments, tax liens and more. They will almost always appear on a credit report and are typically in a separate section on the report. These items can drop your credit score significantly. Time will lessen the impact these items have on your credit score as they can appear up to 7 years, or in the case of a bankruptcy 10 years. However, this is where going through the credit repair process and leveraging your rights under the Fair Credit Reporting Act may help.

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Credit Report Monitoring Services- Are They Worth It?

If you want to keep tabs on your credit report to catch errors, improve your score or keep an eye out for fraud, you might be tempted to sign up for a credit report monitoring service.

A credit report monitoring service tracks your credit report at one or more of the three major credit bureaus and immediately sends you an alert if any change or suspicious activity occurs.

Personal finance experts are divided about whether these services are worth the cost, but many say signing up can help some consumers. But it’s important to be able to distinguish exactly what these services offer, how much they cost and what you can expect in return for your payment.

The company we highly recommend and provide to our clients as part of our service is Smart Credit. Click Smart Credit to find out more.

credit report monitoring

Here are some tips to help you navigate the pros and cons of credit monitoring services:

The Basics About Credit Report Monitoring

Basic credit monitoring services usually track your credit reports at one, two or all three of the major credit bureaus –Experian, Equifax, and Transunion — and send you an e-mail, text message or letter, depending on your preference, if there’s an inquiry or other activity. Many also offer unlimited access to your credit report from at least one of the bureaus, tracking of your credit score, telephone help with fraud resolution and even reimbursement of some out-of-pocket expenses incurred while trying to resolve identity theft or other fraud.

Credit monitoring services can be helpful for spotting certain problems, such as if somebody opens a new credit account in your name using your stolen information. But they don’t necessarily alert you to every type of identity theft you could encounter. For example, if somebody is using your stolen personal information to get a job or a cell phone, something that wouldn’t necessarily be reported to a credit reporting agency, then credit monitoring isn’t going to pick that up.

Credit Report Monitoring versus Identity Theft Protection

For that reason, more providers have begun offering broader identity monitoring services that typically include credit monitoring along with other features — such as monitoring of public records, databases and websites for use of your personal information.

Total identity monitoring will check bank accounts for unauthorized changes to personal information and informs consumers of changes to account contact information or attempts to add new account holders to existing accounts. Ii also issues alerts for new credit account applications being made against your credit file so you can act quickly to resolve fraudulent activity.
It should also give you unlimited, 24/7/365 online access to all three annual credit reports and scores so you can check to see if information is accurate and up to date to better manage your credit, and help you identify important changes and see how your credit is trending over time.

Is Credit Report Monitoring Worth the Money?

Consumer advocates don’t all agree on whether credit monitoring, which typically costs $10 to $15 or more per month — a total of$120 to $180 a year — is worth the money. Some say it’s an extra layer of protection that’s smart to have, while others say it’s unnecessary.

Here’s our take. If you want to simply monitor your credit score and activity being placed on your credit report, perhaps not. However, if you also want to protect your overall identity than it most definitely is. Identity theft is the fastest growing crime in America. Having your identity stolen without any protection or insurance coverage can cost you thousands of dollars to recover from.

If You Want Credit Report Monitoring Only

Instead of shelling out cash for just credit monitoring, consumers could simply get their free annual credit reports from the three major bureaus at AnnualCreditReport.com and closely watch activity on their bank and credit card accounts. A consumer who wants further protection could place a 90-day fraud alert on his credit files or even pay a one-time fee to enact a credit freeze which prevents creditors from accessing the credit reports until the consumer lifts the freeze.

If You Want Full Protection

There are several companies that go beyond just credit monitoring and offer full identity protection. We recommend LifeLock. If you want identity theft protection only they have LifeLock Identity Theft Protection that we can set you up with for just $9/month or $99 annually. Or, for full coverage including credit monitoring they have LifeLock Ultimate. LifeLock Ultimate provides identity theft protection and unlimited, 24/7/365 online access to all three major bureau credit reports and scores so you can check to see if information is accurate and up to date to better manage your credit. The cost for LifeLock Ultimate is just $25/month.

ERA Credit Services

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The Best Credit Repair Company in the Country… Is Right In Your City!

Searching the internet for the best credit repair company is a daunting task especially when you then have to call each one to find out how they work, how much they charge, and if they are right for you. In addition, you may not want to work with a company that is outside your area. For instance, if you live in San Diego County wouldn’t it be better to work with a credit repair company in San Diego? Or, Baltimore, the Bronx, Las Vegas, San Antonio, Austin, Tampa, and dozens of other locations. best credit repair company

Key Considerations When Choosing A Credit Repair Company

Geography

You want to find the best credit repair company and you want to find a local company. You can have both. We have Agents in all areas of the United States. Currently we have approximately 5,000 Agents located in all 50 states. Contact us for an Agent in your area.

Track Record

A bit of advice… do not work with a one man or woman operation. I have heard far too many stories of people paying their money and then not being able to contact that person because they went out of business, moved, or something else. Work with an established company that has a track record of being in the business and gaining success for their clients.

Guarantee vs. Promises

Do not listen to promises only pay attention to guarantees that you can see on the company website or in writing. Verbal promises are made by people all the time. They are worth nothing. We offer a Satisfaction Guarantee. If you are not completely satisfied with our service we will refund all or part of your money depending on the number of items we did successfully remove.

Pricing

This is a big point of emphasis in choosing the best credit repair company whether it be in San Diego or any other city in the country. There are different pricing models typically used in this industry.

Monthly fees

Some companies charge a set up fee and then a monthly fee until they have performed the work of deleting items from your credit report. Ask yourself this question. Do you think they are motivated to remove your items as quickly as possible or do you think they are motivated to take their time so they can collect more fees from you? People call us nearly every day and tell us they have been paying fees to a company for over a year, perhaps two years and still don’t have the results they are looking for.

Pay Per Deletion

Other companies only charge you once they have removed items from your credit report. Actually, in most cases they do charge an initial fee as well to give you an estimate of the charges once they have pulled your credit reports before you sign up for their service. This may sound good but they typically charge between $25 per item up to $500 per item. The range in fees per item depends on the type of item it is. As an example, an old cable bill might be $25. But a foreclosure or bankruptcy would be $500 per item. Now here’s the kicker and is what you need to be aware of. The charges are per item per credit bureau. So, you actually get charged $75 per item up to $1,500 per item. This pricing method can cost you $2,000, $3,000 and up to $5,000.

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 $188 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.

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. If they have no way to keep you updated don’t work with them. We upload a list of all your items that we are working on for you to a password protected web page. You can log into this web page 24/7 and see what’s happening on your account.

This short video will tell you about all about our credit repair company and credit repair service.
Call us today at 619-492-3040 to find out more. Or, text the keyword ERACredit to 71441.

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How is a Credit Score Calculated?

People often ask how their credit score is calculated and why they have a different credit score from each of the 3 credit bureaus (Experian, Equifax and Transunion).

Nearly everyone has heard the term FICO and believe there to be just one way a FICO score, or credit score is calculated. That’s not true. The company that came up with the FICO scoring method (Fair Isaac Corporation) has actually released several versions of the scoring model. And, other models exist such as the VantageScore model. Then of course, just to complicate it even more the 3 credit bureaus use variations of each.

credit score

On top of that you must realize that creditors do not report to all 3 credit bureaus in many cases. Why? Because it costs them money to report to the bureaus. This is not a free service offered. Make no mistake. The credit bureaus are billion dollar companies making huge profits on being a receptacle for your information and selling that information to large corporations that want to advertise to you, and need to pull your credit report to evaluate your credit worthiness in order to sell to you. Therefore, a creditor may decide to only report to one or two of the bureaus. This will create even more of a difference of your score from bureau to bureau.

Don’t let all this confuse you. Keep it simple and pay attention to what you can control, and control it well. Here is what really matters regarding your credit score and the weight applied to calculating your credit score.

Payment History- 35% of your credit score

  • Current payment record on car loans, mortgages, installment loans, retail accounts, credit cards. What you are looking for is a “paid as agreed” status listed for these accounts on your credit report
  • Public records such as bankruptcies, foreclosures, liens of any kind, judgments, wage garnishments
  • Past due amounts listed
  • Any past delinquencies even if the balance is now current or the account is closed with a zero balance

Payment History Advice

  • Pay your bills on time or even ahead of time. Recent late payments can impact your score dramatically. Paying ahead of schedule can result in lower balances being shown on your report.
  • Get any past due accounts current.
  • Closing accounts with a good history may also impact your score. Think carefully before you close accounts.

Balances Owed- 30% of your credit score

  • The ratio of the balance you owe versus your credit limit on each account and in total will dramatically affect your credit score

Advice on Balances Owed

  • Keep balances owed on credit cards and store accounts low. There is conflicting advice on this but they should never be above 30%.
  • As stated above, if you pay your credit card payments before they are due and pay them in full you’ll be able to show a zero balance each month.
  • Don’t open new accounts just because you can. This can actually lower your score.

Length of Credit History- 15% of your credit score

  • Age of existing accounts
  • Number of recently opened accounts
  • Time since the latest account activity
  • Ratio of new credit versus established credit
  • Re-establishment of new credit following adverse payment problems

Advice on Credit History

  • If you are young and do not have a credit history dating back decades be careful not too open too many accounts quickly. This can be perceived as a risk factor.
  • If you are trying to establish or re-establish a credit history, open an account and use it wisely. Pay it off each month. Then open a second account several months later and do the same. Opening 4 new accounts at once is not a good strategy.
  • Stay away from consumer finance companies if possible. Future creditors know that they lend to consumers with less than perfect credit.

Types of Credit- 10% of your credit score

  • The number and type of accounts you have opened

Advice on Types of Credit

  • Because this accounts for a small percentage of your overall score don’t open accounts just to open accounts. If you have a car loan pay it each month. However, if you have a car that is paid for do not refinance it simply to have a car loan on your credit report.
  • It is good to have a credit card. Do not shy away from opening a secured or unsecured credit card account because you had problems in the past. Open an account and use it only for items you need anyway such as groceries, gas, etc. Then pay it off every month.

New Credit and Credit Inquiries- 10% of your credit score

  • Recently opened accounts versus the number of inquiries by potential creditors
  • Recently opened accounts versus the number of inquiries by potential creditors
  • Time since the inquiries
  • Time since account was opened

Advice on Credit Inquiries

  • The only types of inquiries you need be concerned with as it relates to your credit score are “hard inquiries”. These are inquiries you authorized to be made for the purpose of evaluating you as an applicant for credit.
  • Excessive inquiries in a short time can cause your score to go lower. If you are denied credit by one company do not apply at 5 more companies to see if they will give you credit. This will show up as potentially excessive.
  • When trying to buy a car, dealers may contact several finance companies within a day or two to see if they can find one to give you a loan, or the best deal. This can cause your score to go lower in some scoring models. Others give you a period of days for these type inquiries. Before walking into a dealer to buy a car go to your bank or credit union and see about a loan from them. If you cannot qualify do buy the car. If you can walk into the dealership with financing in place.
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Should I Choose a Local Credit Repair Company?

When people have the choice to do business with a local credit repair company or a national company most of the time they would choose to do business locally. There is simply a comfort level doing business locally. Perhaps the thought of being able to find and visit the company should something not go quite right 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

I was in a similar thought process when 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. I found many companies that were one woman or man operations. I made the decision to not do business with these newer credit repair services because I wanted to make sure they were going to be around for a while. 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 also 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. They had a ten year track record, 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

Given the need of so many people in need of local credit repair in San Diego, I eventually made the decision to turn over the operations of my accounting business and represent this company to begin offering consumers in San Diego credit repair. The advantage is that I and my customers had a large staff of credit repair experts in the home office to utilize. Yet my clients 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. If you want to find a service in your specific area, yet you want the experience and track record of a larger company, contact us. We’ll look within our network of credit repair Agents and find you someone that will help you.

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