Category: Credit Reporting

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2016/06/Credit-Repair-San-Diego-625x357.png" alt="Credit Repair San Diego County
Get Far More for Less" />

Credit Repair San Diego County
Get Far More for Less

You need to know 3 things
when you’re looking for Credit Repair San Diego County

1) Most credit repair San Diego County companies do not dispute all your items right away. They’ll dispute only one or two derogatory items every 60 days. They drag out the process so that you end up paying a monthly fee for several more months than is necessary.

2) Most credit repair companies do not involve you in the process. They do not show you the items being disputed. Therefore, you don’t know what is being done or where you’re at. You have no way of checking your credit score on a regular basis to see if they are getting you the results you desire.

3) Most credit repair companies only do credit repair and do not help you with other services that could increase your credit score as well. Credit repair is a great service if done correctly. But it isn’t the only thing that can be done to increase your credit score.

So, you have two choices. You could call several companies and interview them. If you do this now, you know the questions you should ask them. See if you can find one that disputes all items right away. Try and find a company that will inform you every step of the way so you know you’re getting the best service possible. Ask if they provide other services that will increase your credit score as well.

Credit Repair San Diego County

– Talk to a company that will fully explain the process to you right over the phone.

– We challenge all your derogatory items right away insuring you’ll get the fastest results possible.

– We will share with you how you’ll get online access to all the information about your account.

– We let you review the letters written about your negative accounts so you know what items are being handled.

– We also will provide other services to increase and protect your score.

– And, we provide you with knowledge about credit so you can maintain a high score in the future.

You will receive the best credit repair service available in America today for a one time activation fee of just $99 and only $89/month. In addition, you’ll have an online account showing you all your negative items and the results of those items as they occur. You’ll have online credit monitoring so you’ll see changes in your credit score and get pull your own credit anytime you like. You’ll also receive recommendations as to what you can do yourself to increase your score. And, you’ll have PrivacyArmor to protect your identity and credit score. Again, for only $89/month.

ERA Credit Services is backed by industry experience since 2004 and an A+ rating with the Better Business Bureau.

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

ERA Credit Services
is now a Member of the
Central Pinellas Chamber of Commerce

Since we began representing United Credit Education Services in 2012, we have always strived to be a part of our community and support local businesses. We realize the challenge small business owners face and the huge benefit of referring business to each other. That is why we are proud to announce that ERA Credit Services is now a member of the Central Pinellas Chamber of Commerce.

Central Pinellas Chamber of Commerce

Since relocating to, and now offering credit repair in the Tampa, St. Petersburg, Clearwater, Largo area last year, we have been looking for organizations that truly promote local small businesses. We have found one of those organizations in the Central Pinellas Chamber.

We are very pleased to be a part of the Central Pinellas Chamber of Commerce.

We have already begun to establish meaningful relationships with business owners in the area. We look forward to helping small business owners with challenged credit as well as real estate, mortgage and banking professionals that need credit worthy clients.

The Central Pinellas Chamber of Commerce is one of the most active groups we have joined. In addition to leads groups that meet every two weeks, there are a variety of events that occur throughout the month that are always well attended by members and guests. As well, there are opportunities to host happy hour or other meeting events for more exposure for our business.

For more than 60 years, the Central Pinellas Chamber of Commerce has been empowering business by providing the necessary tools and resources to help them succeed. This includes networking leads groups, government advocacy and economic development initiatives in addition to programs and events focused on professional development.

If you would like further information about Chamber of Commerce activities and the benefits of joining the Chamber call Membership Director, Kathy Pabst Robshaw at 727-584-2321.

Tips on Maintaining a Good Credit Score

10 Tips on Maintaining a Good Credit Score

Maintaining a Good Credit Score

Below is some great information for every consumer on first getting, and then maintaining a good credit score.

Monitor Your Credit Report

First, in order to know if you have a good credit score, enroll for an online credit monitoring system that alerts you if there are changes to your report and/or credit score. We suggest SmartCredit.

Use Credit Cards Like a Debit Card

For building and maintaining a good credit score treat your credit card like it’s a debit card. If you can’t afford to pay off a purchase at the end of every month don’t make that purchase. And, use cards with benefits (travel, points, etc.)

Credit Card Balances

If you have to maintain a balance on your credit cards make sure it is low relative to your limit. A good rule of thumb is under 30% of the limit. The credit reporting agencies all consider debt to limit ratios an impact factor in calculating a good credit score.

Use of Credit Cards

If you have credit cards use them periodically, even just once every few months. A dormant card reduces the impact on a good credit score.

Resist Department Store Cards

If you have major cards you don’t need a store card. They usually come with annual fees and high interest rates.

Resist Co-signing for Others

When you co-sign for another on any type of loan you give up control of credit history to another person. If that individual is late on a payment in can cost up to 60 points and affect your good credit score.

Expand Your Portfolio

Maintaining a good credit score requires more good credit. If you have just a secured credit card, apply for an unsecured card after 6 to 9 months. But don’t have more than 3 credit cards. It’s simply not necessary.

Keep Track of Automatic Payments

Payments that are automatically deducted every month from your checking account by giving a creditor your debit or credit card must be monitored. If your card expires they can quickly turn into late payments. Late payments can have a huge impact on your good credit score.

Note Annual Fees

If you have credit cards and other accounts with annual fees make sure you pay those fees promptly. Sometimes they go unnoticed and therefore, unpaid causing late payments and delinquencies.

Keep Inquiries to a Minimum

Hard inquiries can cost you points on your credit score. Keep inquiries from prospective creditors to a minimum. Be especially careful when purchasing a car. Some dealerships and car lots will have several finance companies run reports on you all on the same day.

If Your Credit Score is Below 640, Get Help

A credit score below 640 will not typically put you in a position to qualify for a mortgage. As well, it will cost you more in interest rates and deposits for credit cards, insurance, cable, cell phone, other utilities and more.

maintaining a good credit score

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/

Credit Restoration- Does It Work?

Most people when they learn about credit restoration, or what most people call credit repair, are skeptical. They’re not sure that it’s possible to have derogatory items removed from their credit report. Especially if they didn’t pay an account within the last 7 years. It simply comes down to understanding the law and perhaps using logic as well.

credit restoration

What Can Be Removed From a Consumer Credit Report?

There are 3 types of accounts that can potentially be removed from a credit report with credit restoration. Obsolete items have a date of last activity older than 7 years, or 10 years in a bankruptcy. Erroneous items have incorrect information that either must be updated or deleted due to the inaccuracy. And, items that can legally be reported but cannot or simply are not verified for accuracy by the creditor.

Understanding Credit Laws

The Fair Credit Reporting Act was passed by the U.S. Congress in 1971. Basically, it gives consumers the right to dispute any item on their credit report. If the creditor does not respond or cannot verify its accuracy, the law says it must be deleted. By not responding to the dispute the creditor is not verifying the accuracy of that reported item. Therefore, consumer protection law kicks in and the item must be deleted. That part is pretty simple.

But why would a creditor not respond to a dispute? Especially if the debt did not get paid and the date of the last activity on the account is within 7 years? This largely depends on the age and type of account, and how much debt is owed to them.

There are those types of accounts that have a higher probability of the creditor not responding. And, those that have a lower probability. Nothing in this category is a sure thing that a creditor won’t respond, and therefore the item will remain. Yet, there is always a possibility.

Other Factors to Consider with Credit Restoration

In my experience as a professional in credit restoration it usually comes down to the age of the account and the debt amount. An older account of at least 2 years, but better when it is 4+ years, has a higher probability of getting removed. Even if money is still owed by the consumer. The reason is that the account was charged off years ago by the creditor. In many cases the creditor wrote the unpaid debt off against income in a particular tax year recovering a significant portion of the debt. Then they perhaps sold the account to a collection agency recovering even more. Why would they then spend the time, energy, effort and money to respond to a dispute?

Should You Pay Delinquent Debts?

An account that has a zero balance because the consumer paid it will still shows up as a derogatory trade line. However, there is a much better chance that the creditor will not respond because there is no monetary incentive to respond. So, yes! If you can afford to pay debts showing as derogatory on your credit report, do so.

More Recent Debts

However, an account that is less than 2 years old has a lower probability that the creditor won’t respond. Or, the collection agency that purchased the account from the original creditor may now be the creditor of record and they may respond.

Late payments on accounts that are still open most likely will not be deleted because the creditor is reporting on that account on a regular basis. The hope here is that the consumer has a recent history of paying the account on time and that the creditor will update the account to a “paid as agreed” status.

Consider the Value of a Higher Credit Score

What is stated above are generalities. There are no steadfast rules as to why a creditor will and will not respond to a particular item that can legally be reported for 7 years. Credit restoration is an attempt to restore credit regarding these type items. Because many creditors cannot or do not respond it’s very much worth the attempt especially considering the value of a higher credit score.

Visit our CREDIT REPAIR Page to Learn How We Can Help

or

Book a Phone Appointment for a Free, No Obligation Consultation

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. Know that they are not 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 addressing negative items on our credit reports. Even if those accounts 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

Prove Your Identity

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.

Provide a Valid Reason for Disputing Accounts

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.

Don’t Give Up After One Dispute

You may be successful in submitting a dispute through the credit bureau website or writing a letter on your own. But you may also receive a letter from the bureau verifying the accuracy of the account on your report and thus stating that the information will remain unchanged. If that happens don’t give up! 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. They use the proper dispute reasons and codes. And, they submit acceptable proof of identification, 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. For a one time activation fee of only $99 and $89/month we will work on all 3 bureau reports and dispute as many items as you have immediately. We also give you online access to view your items and see the progress we are making on your behalf.

 Choose a Day and Time That Works for You – Evenings and Saturdays Available

Credit Repair Scams, Learn the Facts

When searching the internet one will find a lot of misinformation about credit repair and scary warnings about credit repair scams. A lot of this is based on half truths and comes from people that want to appear as experts on the topic. But they haven’t done their homework on the credit repair industry. I would like to clear up some of this and give people the full truth.

credit repair scams

Can a Company Charge Fees Before They Remove Items From A Credit Report?

The quick answer is “no”. According to the Credit Repair Organizations Act (CROA) only 501(c)3 non-profit companies, banks, credit unions and attorneys may charge fees before performing service. However, a nominal account set up fee may be charged to a client by any company.

The recommendation here is to check out the company you are about to do business with. How long have they been in business? Are they accredited and rated by the Better Business Bureau? Are they certified by the National Association of Credit Services Organizations (NACSO)? Do local real estate, mortgage companies and banks use them to help their clients?

Can Accurate, Non-Obsolete Items Be Deleted Before 7 years?

Another credit repair scams warning is that negative items that are less than 7 years old cannot be deleted from a credit report. This is not true. It is true that the credit bureaus must remove accurate, negative information from your report after 7 years. Bankruptcy information is removed after 10 years. However, if the creditor does not verify the information they previously reported on a credit report federal law forces the credit bureaus to remove it.

The provision of the Fair Credit Reporting Act that says that an item may stay on a consumer credit report for 7 years or 10 years is there to protect the consumer, not punish them. This prevents a late credit card payment or even bankruptcy from hurting a person for the rest of their life. It doesn’t state that it must stay on there under any circumstances. Many creditors choose not to verify an item on a credit report for a multitude of reasons. It is the right of the consumer to ask that the creditor verify these items.

How to Avoid Credit Repair Scams

In review, companies that charge for their services in advance of delivering them are not necessarily bad companies or credit repair scams. It is important for the consumer to look into the track record of a company (for profit or nonprofit). Look the company up on the Better Business Bureau and the National Association of Credit Services Organizations (NACSO) websites. Click on the links below to evaluate our company. If a company has a poor rating or no rating from the BBB, or is not certified by NACSO then they shouldn’t do business with them.

And, any item may be deleted from the report if the creditor cannot or chooses not to verify them. A consumer should exercise their rights under federal law. They can inquire about all items on their credit report that are adversely affecting their credit score. A lower credit score can affect someone’s ability to get credit, sometimes get a job, and force them to pay higher interest payments and fees on their purchases.

Our Company- Better Business Bureau and NACSO ratings

This is what we do. We’re dedicated to this business. We are backed by an accreditation and are rated A+ by the Better Business Bureau. Also, we are backed by a certification by the National Association of Credit Services Organizations. Our company has been in business since 2004. Unlike most credit repair companies, we are able to conduct business in all 50 states.

Book an Appointment for a Free, No Obligation Consultation

Further, we provide a no obligation, no cost consultation on your specific situation. Take 20 minutes and listen to what we have to say and what we can do to help you. If it makes sense let’s work together.


San Diego Office 619-492-3040
Clearwater, FL office 727-222-0120