ERA Credit Services

Category: Credit Restoration

Credit Repair Laws – Know the Rules

Credit Repair Laws – Know the Rules

In most cases, our articles about credit repair are focused on either consumers that are looking for a credit repair company or individuals that are looking to start a credit repair business. This article is directed toward both. Consumers should know some basic credit repair laws when searching for the best credit repair company. And, prospective credit repair business owners certainly need to be aware of credit repair laws before they decide to start a credit repair company or to determine what type of credit repair business model is best for them.

The Fair Credit Reporting Act

The Fair Credit Reporting Act, or FCRA, is a consumer protection law governing what is reported on consumer credit reports and the privacy of that information. It also ensures the accuracy of the information listed on credit reports by creditors and how inaccurate and outdated information can be corrected. The FCRA was passed in 1970 yet most consumers do not know their rights under this law. There are many aspects of this law but for most consumers, there are two main components of the Fair Credit Reporting Act that benefit them most often.

Right to Your Credit Report Once a Year

Consumers have the right to receive a free credit report from each of the 3 main credit bureaus, or credit reporting agencies (Experian, Equifax, and Transunion) once a year. However, the credit bureaus do not need to provide a credit score. They can charge a fee if the consumer also requests a credit score.

To get a free credit report annually from each of the 3 credit bureaus go to www.AnnualCredit Report.com. Here consumers will be able to see and download a copy of any or all 3 credit reports. However, consumers should be careful as this website will charge for items such as a credit score.

Due to COVID-19, the credit bureaus are allowing consumers to view their credit reports online for free on a weekly basis through April 2021.

Right to Challenge or Dispute Inaccurate Items

The other most used component of the FCRA is the right to challenge or dispute inaccurate or outdated items on a credit report. If a consumer concludes that the information listed on their credit report is not correct, they have the right to ask that this information be verified by the creditor.

Each of the credit reporting agencies or credit bureaus gives consumers a way to do this online. However, consumers need to be aware that there are only a few reasons that the credit bureaus consider legitimate for information to be disputed. If not listed correctly the dispute will be dismissed.

Even though the credit bureaus by law must allow consumers this right they don’t have to make it easy. That is why, in most cases, it is advisable for consumers to enlist the help of a reputable credit restoration company to assist them in the process. Otherwise, consumers can spend the time to learn how to do this themselves. Some can and will do this. It’s similar to changing the oil on a car. Some will buy the tools and learn how to do it themselves. Others will go to Jiffy Lube.

The Credit Repair Organizations Act

The Credit Repair Organizations Act, or CROA, is a set of laws governing credit restoration or credit repair companies. There are several aspects of CROA that individuals wanting to start a credit repair business must know. But there are 2 key components that must be addressed. And, that most individuals that desire to be in the credit repair business will find it difficult to satisfy.

Charging Upfront Fees for Credit Repair Services

The Credit Repair Organizations Act makes it illegal for a credit repair company to charge upfront fees to provide credit repair services before the services are provided. However, a credit repair company can charge a nominal account set up fee. The purpose of this law is to prevent unscrupulous credit repair companies from charging large fees and not providing services at all which has happened in this industry. The details of ‘when services are rendered’ are difficult to interpret. But for individuals starting a credit repair business, this will affect their cash flow for a period of time. They will not be able to get paid right away. This can prevent well-intended people from starting a credit repair business.

Surety Bonds to Provide Credit Repair Services

The other key component that affects individuals that want to start a credit repair business is the requirement of a surety bond. Surety bonds are also known as a credit service organization bond or credit repair company bond. Surety bonds are like insurance policies with the consumer as beneficiary. If the credit repair company does not provide services after collecting fees from the consumer, the consumer can be reimbursed. Surety bonds basically ensure that the credit repair company will do what it says it will do.

The requirement for a surety bond and the amount of the surety bond is dictated by each state. Some states do not require them while others require different amounts up to $100,000. Surety bonds are purchased through private companies and fees range greatly. If a credit repair company has a surety bond in a particular state, they may conduct business only in that state. To do business in other states they must meet the requirements of those states.

Exemptions from the Credit Restoration Organizations Act

Written into CROA are exemptions for specific types of organizations or entities. If an entity that provides credit repair services is a bank, credit union, attorney, or 501(c)3 organization, they are exempt from CROA. This means they do not need to have a surety bond and can legally conduct business in any state if they fulfill other requirements in those states.

Understanding Credit Repair Laws

Understanding a few basics of credit repair law is helpful for consumers. But it is imperative for anyone that wants to start a credit repair business to understand these laws completely. Unfortunately, people spend a significant amount of time and money getting a credit repair business set up only to learn about these laws after the fact. Many either abandon their efforts and money or decide to continue and provide illegal credit repair services. This opens them up to a great deal of liability.

Provide Credit Repair Services Legally in All 50 States

For perspective credit repair business owners that want to provide services legally in all 50 states, there is a solution. There is a business model that is set up with all the infrastructure provided and all credit repair laws satisfied. And it costs less than $300 to get started. This is the business model we got started with back in 2012. If you’d like to know more visit Credit Repair Business Opportunity. Watch a 30-minute video. If you like what you see you can then book a phone appointment with me, Dale Guiducci, to learn more and get your questions answered. Ultimately our goal is to see if our business model is the right fit for you.

How Important is Your Credit Score in Retirement?

This article is re-posted with permission from LifeStyleOver50.com

You may be years away from retirement but if you’re 50 or over, now is a good time to think about your credit score. In this article, we’ll talk about why you need a high credit score as you get older and in retirement. And, we’ll discuss ways you can improve that score now. How important is your credit score? At any age, it’s very important. In retirement, it’s even more so.

Why Is Credit Score Important When We Get Older?

As we get older, typically we finance less. And, we certainly finance less high ticket items. Therefore, we use our credit less which can affect our credit score negatively. As well, especially when we retire, our income isn’t typically as high as when we were working. Therefore, it becomes a bit harder to get credit and the lowest rates when we do finance items because our debt to income ratio isn’t as strong. So, as we age, we want to focus on getting our credit score as high as we can and keeping it there.

How Will a Change in the Economy Affect My Credit?

A lot of people are talking about a downturn in the economy after the 2020 election or even sooner. When we have a recession or even a slow down in our economy credit tightens. It’s harder to get credit because it requires a higher credit score to get decent interest rates. As well, if the value of goods such as real estate decreases, we want to be in a great position to take advantage of lower prices. But in order to do so, we need good credit.

LifeStyleOver50.com

What Should My Credit Score Be as I Get Closer to Retirement?

Before we get into specific numbers that constitute a good credit score, it’s important to understand a few basics about how credit scores are calculated. First, there is a good credit score (670-739), a very good credit score (740-799), and an exceptional credit score (800-850). People have very good and exceptional credit scores when they are very active with their credit and of course, pay everything on time. Very active means that they use credit regularly and have a good mix of credit account types such as a mortgage, credit cards, and a car loan.

As we age, we may pay off a mortgage, decide to rent, use credit cards less and not have a car payment. This will lower your credit score but it’s nothing to panic about as long as your credit score stays in at least the good range. DO NOT incur debt just to raise your credit score. However, do use your credit cards for purchases and pay them off every month. That shows credit activity.

If your credit score is in the good range now, try to get it as high as you can and keep it there. If your credit score is lower than good, below 670, you’ll want to focus on getting it at least above 700 as soon as possible.

How Can I Increase My Credit Score?

The calculation of your credit score is a very complex equation. But generally speaking, a credit score is based on how much good current and past credit you have versus negative or derogatory items you have showing on your credit report.

If you don’t have a good credit history and positive accounts now, your credit score will suffer.

If you have positive current accounts but older derogatory items, your credit score will be lower.

If you have a good past history but no current positive credit accounts, your score will be lower.

So, as much as possible, you want to eliminate negative, derogatory accounts and increase current positive accounts without going into debt to do so.

Eliminate Negative Accounts    

Did you know that the U.S. is the only country on the planet that provides you a way to potentially remove derogatory accounts from your credit profile? The common assumption is that you must live with negative accounts on your credit report for 7 years from the date of the last activity on the account. More accurately creditors can only list a negative item on your account for as long as 7 years. That means you can potentially get negative items removed from your credit reports. There’s no guarantee, but it’s generally worth trying because of the positive impact it can have on your score.

Since 2012 we have represented one of the leading credit restoration companies in the country. We’ve personally helped over 1,000 people increase their credit score by removing inaccurate, obsolete, erroneous and unverified items from their credit report. 

Call us from the East Coast at 727-222-0120
Call us from the West Coast at 619-492-3040

Increase Positive Accounts to Boost Your Credit Score in Retirement

If you don’t use credit cards start using them. If you don’t want to carry balances that’s good. Just pay them off each month. Use them just for gas and groceries. That’s the money you need to spend anyway. But don’t open more than 3 credit card accounts. Very few people need more than 3 credit cards. Having too much credit available can negatively impact your credit as well.

If you currently rent a home or apartment get your rental payments put on your Transunion credit report. We can help you with that for as little as $6.95 per month.

If you need more positive accounts, instead of buying items such as computers, flat screens, etc. on your credit card, open an account with an online retailer like Finger Hut. They have a wide selection of name brand items on their website and they report to all 3 credit reporting agencies monthly. If you don’t want to carry a balance, then just pay it off in 30 to 60 days. It still will report as a positive item.

Learn about other ways to Boost Your Credit Score Fast

Good Credit Practices

Pay your bills on time. A late payment such as a car payment can cost you 60 points in your credit score overnight. If this happens know that your score will eventually climb back higher as you make future on-time payments.

Avoid high balances especially on your credit card accounts. Keep your debt utilization under 30%. That means if you have a credit limit of $5,000 on a credit card as an example, keep your balance under $1,500. If you go higher than 30% it will start to negatively impact your credit score.

DO NOT close old credit card accounts. There is a strong temptation to close old credit card accounts that we don’t use. But if you do that your credit score will suffer. It doesn’t seem logical but that’s the way credit scores are calculated. So, resist the temptation even if you need to pay an annual fee or if it is currently being reported negatively. Closing the account will not remove it from your report.

Have a good online credit monitoring service. To get a truly accurate credit monitoring service you’ll likely have to pay for it. Free services like Credit Kharma, are not necessarily reporting currently nor do they show all 3 of your credit reports. Similarly, if you use a service from one of the 3 credit reporting agencies like Experian, it may not show the other 2 agencies (Equifax and Transunion). Please note that not all creditors report to all 3 agencies. That’s why it’s important to be able to monitor all 3.

Have identity theft monitoring and protection. It’s very important to get notified if someone is trying to access your accounts to purchase something. That is the only way you’ll know if your credit information has been compromised or stolen before you get your statement online or in the mail.

How Important is Your Credit Score in Retirement?
Best Tampa Bay Credit Repair Service

Best Tampa Bay Credit Repair Service

For 5 years in a row, ERA Credit Services has been chosen by our clients as the best Tampa Bay credit repair service. We’re extremely proud of this. And, we’re excited that a decision we made years ago allows us to bring the very best credit repair service to Tampa Bay.

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.

What was that decision? Well, you’ve heard the saying, “if you can’t beat ‘em, join ‘em”. In 2012, my wife and business partner, Shirley and I were looking for the very best credit repair company we could find to help our credit challenged clients. We had an accounting business serving small business owners. Some of those clients needed credit repair to help them recover from the recession.

To make a very long search and story short, we contacted many companies and were getting discouraged. None of them seemed to provide the service and customer support we desired for our clients. Until, through a Facebook post, we found out about the very best company in the country. After extensive research on that company we also learned that they had an opportunity for us to represent them and provide the services directly. We decided to join forces with that company and haven’t looked back. In fact, 2 years later we closed our accounting business and have been exclusively in the credit repair business ever since.

So, what makes that company the very best Tampa Bay credit repair service and best credit repair service in the country?

There are 4 key points.

All Derogatory Items are Addressed Immediately

A significant number of companies in the credit repair industry do not address all items for their clients right away. They do just 2 or 3 at a time. The only reason for that is to delay the conclusion of the service and thus charge the client more monthly fees.

We address all items right away, period. Our goal is to provide our clients with the highest credit score possible, as quickly as possible. Not only will that allow them to achieve their goals faster, but it will save them money.

Our Clients Receive Other Services to Help Increase Their Credit Score at No Extra Charge

Credit repair, which is the removal of the derogatory or negative items from a credit report, will increase your credit score. However, there are other ways to increase your credit score. We provide you with credit education, so you know what these ways are. You also receive online credit monitoring so you can follow the progress of your credit repair service. We protect your identity so no one can adversely affect your credit and credit score. And, you receive other services as well. All are provided at no extra charge.

Our Clients Get an Online Account Showing Every Aspect of Their Services

We provide you with a secure, password-protected online account. You’ll be able to see every step and all progress of your credit repair service. As well, this is where you’ll access your other services including credit education, so you’ll know exactly how to have the best credit score possible. If you prefer to use your phone versus a laptop or PC, we provide you with a Free Phone App so you can access all your services including credit restoration through your phone.

Superior Customer Support in English and Spanish

We have a staff of highly trained Customer Support Agents. These credit professionals are available Monday through Friday from 9 am to 9 pm Eastern time (Adjusted hours during COVID-19 Virus are 9 am to 5:30 pm Eastern). You can ask questions and make changes any time you like. And when you reach your credit score goal, they can cancel your account over the phone.

You will not find a more experienced, dedicated, and effective credit repair company anywhere in the country.

Book a Free, No-Obligation Phone Consultation

Click the icon below to book a time to speak directly with me, Dale Guiducci, or my wife Shirley. We will figure out what your needs are. We will explain how it all works including what it takes to get started. Then you can make an informed decision. If you want to get started, we will start you right then. We need about 20 minutes for the whole process.  We look forward to talking with you.

Find Out More About the Best Tampa Bay Credit Repair Service

If you would like to know more before you book a phone appointment with me, go to ERA Credit Service Credit Repair. Thanks for stopping by!

How to Use Credit Cards
to Build Credit Score

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

People Without Credit Cards

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

How a Credit Score is Calculated

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

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

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

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

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

The First Progress Platinum MasterCard® Secured Credit Card

People with Credit Cards

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

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

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

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

How to Use Credit Cards to Build Credit Score

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

Pay attention to the following:

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

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

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

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

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

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

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

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

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

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

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to Build Credit Score" />
How is a Credit Score Calculated?

How is a Credit Score Calculated?

Over the years in my blog and in videos I’ve talked a lot about two topics. First, that credit repair, although it’s a great service only accounts for 35% of a credit score. We do a great job with credit repair but we also provide our clients with other services. These other services help a client with 100% of their credit score. The second topic is that we educate our clients on credit and how to have a great credit score. That way they can maintain that score on their own for the rest of their life. So, let’s get into discussing how is a credit score calculated.

Your credit score is the most important part of your financial life. In this economic climate your credit rating matters more than ever. Lenders look at it when you apply for a loan, credit card, mortgage or other type of credit. What they are doing is looking at how credit worthy you are.

How Is a Credit Score Calculated?

Payment History (35%) – The biggest factor in your credit score is your payment history. It composes 35% of your total score. The payment history factor is looking to see if you have paid your bills on time in the past. And, it indicates whether you are currently behind in any of your bills or not. Some late payments, such as mortgage lates, have more of an impact on your credit score. Your mortgage is a major rpriority to keep current. Payment history is the biggest factor for how a credit score is calculated. Therefore, it should be the biggest priority to not have late payments or past due accounts.

Outstanding Debt (30%) – Outstanding debt is what you still owe on accounts. It makes up 30% of your overall credit score. This is based on the amount of available credit you have versus how much you are using.

There are revolving credit accounts and installment and mortgage accounts. Installment and mortgage accounts are based on the original loan amount versus the amount still owed. Auto loans also fit into this category. These type loans have a set monthly payment over a specific period of time. Revolving credit is generally credit cards. This is looked at with regard to the credit limit versus the amount owed. The best practice is to keep the balance below 30% of the limit on the account. This will make the biggest positive impact on your credit score.

Length of Credit History (15%) – This category reflects how long your accounts have been open. Also it looks at the length of time since the last activity on the account. The longer an account is open and current the better impact to your credit score.

Type of Credit (10%) – It’s beneficial to have a mix of different types of accounts. For example, a mortgage, an auto loan, 2 major credit cards, and 2 store or gas cards. The caution here is not to take on more debt for the sake of your credit score.

Inquiries (10%) – There are two types of inquiries that appear on your credit report. Inquiries that you authorize to obtain credit, or hard inquiries. And, promotional, or soft inquiries. Too many hard inquiries in a short time can negatively impact your credit profile. However, inquiries that occur for mortgage and auto loans prior to 30 days from scoring do not affect your score. Also, if multiple auto loan inquiries occur within a 14 day period as treated as a single inquiry. Promotional inquires do not affect your credit score.

To build a good credit score or to more positively impact the score that you have, it’s important to understand how is a credit score calculated. For more details watch our brief video above.

If you feel you need professional help with your credit score visit our Credit Repair Page or Book a Phone Appointment to speak with us directly. We’ll assess your situation and explain how our professional credit restoration services work.

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“That is the only email you’ll get from me and I do not distribute my subscriber’s information”. – Dale Guiducci 

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 creditworthy. 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. The 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.

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 2 OPTIONS

Option 1- Call us at 727-222-0120

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

Option 2- Click below to Choose the Day & Time You’d Like Us to Call

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


Appointment Calendar is Set for Eastern Standard Time

 

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

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Fix 100% of Your Credit Score" />
Clearwater Credit Repair

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.

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.

But will they address all derogatory items immediately? Will they give you online reporting 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 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. 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.

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 2 OPTIONS

Option 1- Call us at 727-222-0120

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

Option 2- 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

 

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“Please know that I do not distribute my subscriber’s information”. – Dale Guiducci

Buy Seasoned Tradelines

Become an Authorized User on a Positive and Seasoned Tradeline

An effective way to increase your perceived credit worthiness is to buy seasoned tradelines and be added as an authorized user on a positive and seasoned revolving account or tradeline. There is a lot to know about the best way to do this. And, there are steps to take before you do this.

Before You Buy Seasoned Tradelines

You should first make sure you have taken steps to remove as many derogatory items from your credit report as possible. If you purchase a tradeline and still have negative items on your credit report you may not get the effect on your credit score that you desire.

We are experts in this field and are backed by over 14 years of experience. Visit https://eracreditservices.com/credit-repair/

Buy Seasoned Tradelines

Once you have cleaned up your credit report as much as possible you may want to buy seasoned tradelines which will be listed on your credit report. But here’s what you need to know before you do.

  • Seasoned tradelines are revolving accounts meaning they are credit card accounts.
  • When you buy seasoned tradelines you are:
    • Adding positive payment history
    • Showing a longer time of having established credit (seasoned)
    • Showing responsible use of credit by having an account with a low debt ratio.
  • Because of what is stated above we see 30 to 60 point increases on average.
  • A seasoned tradeline may give you a new highest credit amount. This will also show more credit worthiness.
  • The tradeline may show up on less than all 3 credit reports. Make sure you get a guarantee when you buy seasoned tradelines. We guarantee it will report on 2 out of 3 of the major credit bureau reports.
  • You will NOT be able to use that credit line. It will simply show up on your credit report.
  • This item will show as an open account on your credit reports for a very short period of time. Most companies that you purchase tradelines from will give you 30 days. We give you 60 days.
  • After the stated time you will be taken off the tradeline. The credit bureaus may remove that tradeline from your credit report or leave it on your report. It will usually remain for 3 to 6 months.

The key then is to be ready to use the positive effect when you buy seasoned tradelines when it is present on your credit report.

For more information and to buy seasoned tradelines call us at 727-222-0120 or visit https://eracreditservices.com/personal-business-funding/

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.
Buy Seasoned Tradelines
Affordable Credit Repair Tampa

Affordable Credit Repair Tampa

When looking for a professional to increase your credit score you want affordable credit repair Tampa. But you should also expect value. ERA Credit Services provides both.

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.

ERA Credit Services
provides you with online access to your accounts and a review of information being sent to the credit bureaus. In addition, we also make recommendations as to what you could also do to increase your score. We protect your identity and give you online access to your credit scores and credit reports so you monitor the progress of your score.

Affordable Credit Repair Tampa

Central Pinellas Chamber of Commerce MemberIf you’re looking for affordable credit repair Tampa with the best value, look no further. Once you are a client we obtain copies of your credit reports. We run an analysis and find all items that are negatively impacting your credit score. We address all items immediately with all 3 credit reporting agencies Experian, Equifax, and Transunion. In approximately 45 days you will receive updated credit reports from the 3 agencies. That’s fast!

If you want fast and also affordable credit repair Tampa, this is the company to call. We provide you with a no-cost, no-obligation phone review. Our experts will tell you exactly what credit repair is and what it does. Then we will walk you through every step of the process.

To get started it’s just $188 then just $89 per month for the Protection Plan. The Protection Plan includes information on how to build the highest credit score, identity theft protection, online credit monitoring, an online budgeting tool, credit attorneys, and of course, the most affordable credit repair Tampa.

When top Tampa Bay real estate and mortgage professionals have clients that need to increase their credit score to qualify for a home mortgage they refer those people to ERA Credit Services.

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 2 OPTIONS

Option 1- Call us at 727-222-0120

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

Option 2- 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

 

Start a Credit Repair Business in New York

According to statistics there are well over 2 million consumers in the state of New York that have a 599 credit score or lower. Therefore many people in New York that want to purchase a home cannot qualify due a low credit score. If you want to start a business, a good option is to start a credit repair business in New York.

However, state and federal laws along with competition from large, experienced companies make it difficult. To start a credit repair business in New York on your own is even harder.

You’ll also need a minimum $10,000 to invest in your business to do it professionally and legally. So, what’s the alternative?

Start a Credit Repair Business in New York with ERA Credit Services & Partners

Here are some of the advantages of becoming an Independent Agent with us:

Leverage the infrastructure and service delivery capabilities of a national company that has an A+ rating and is accredited by the Better Business Bureau. You can also have a National Association of Credit Services Organizations certification behind you.

Be a part of a company that has already been in business since 2004 allowing you to utilize our experience and stellar reputation.

No need to go through state and federal regulations and requirements. We have already satisfied all regulations with the state of New York and all 50 states, and federal FTC regulations. Therefore you could start doing business immediately. You can start a New York credit repair business but also build it throughout country.

Take advantage of our flexible online training program and weekly live training that fits into your schedule.

And, you could start a credit repair business in New York for less than $300

This opportunity is available now. After you do some research on your own to see if this is a good fit for you you can talk directly with me, Dale Guiducci. We’ll get all your questions answered. And, I’ll explain what it takes to build a successful credit repair business based on my experience since 2012.

I will teach you exactly what I did to build this business. I am looking for serious entrepreneurs to start a part-time credit repair business and move into a full time career. Or, those who want to begin a lucrative and rewarding full time credit repair business right away.

You’ll also have the opportunity to leverage our experience and learn how to build a successful New York credit repair business. We have developed our credit repair business in many areas across the country and we are looking for someone to start a credit repair business in New York.

If this is of interest go to https://eracreditservices.com/credit-repair-business-opportunity/ and watch the video located there. It will give you detailed information on our credit repair business model and company.

Then you’ll see how to book a phone appointment with us on the date and time you choose. We look forward to talking with you.

Start a Credit Repair Business in New York