ERA Credit Services

Category: Debt Reduction

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

How to Use Credit Cards
to Build Credit Score

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

People Without Credit Cards

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

How a Credit Score is Calculated

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

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

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

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

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

The First Progress Platinum MasterCard® Secured Credit Card

People with Credit Cards

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

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

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

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

How to Use Credit Cards to Build Credit Score

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

Pay attention to the following:

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

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

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

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

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

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

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

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

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

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

Best Credit Repair Services

For nearly 7 years I’ve been on a mission to tell people about what we do. That we offer not only credit repair, but a package of the best credit repair services to work on 100% of their credit score. To understand the distinction requires a bit of an explanation.

Credit repair, which is offered by many companies, is the removal or deletion of derogatory accounts from a credit report. This is all that the majority of credit repair companies offer. But this only impacts 35% of a consumer’s credit score which is called ‘Payment History’. The other components of a credit score are:

Amounts Owed- 30%
Length of Credit History- 15%
New Credit- 10%
Types of Credit- 10%

We offer the fastest, most effective credit repair service allowed by federal law. We do a great job of removing negative items from our client’s credit reports. However, we also provide other credit repair services to build all, or 100% of our client’s credit score. This gives you the biggest boost to your credit score.

Get the Maximum Boost to Your Credit Score

Most people when they come to us need us to remove some negative items from their credit report. But in order to get the maximum boost to their score, they need to add positive credit accounts to their credit reports. We provide recommendations on how to do that and we have a service that no one else in our industry has. We call it ‘Credit My Rent’.

Credit My Rent adds a client’s monthly rental payment of a home or apartment onto their Transunion credit report. We can add up to the previous 2 years of these payments. This will boost Length of Credit History (15%), New Credit (10%), and Types of Credit (10%).

Eliminate Negative Accounts & Add Positive Accounts

We also educate our clients and provide online tools to help them pay down their existing debt. Most people think that as long as they make their minimum payment on their credit card they are maximizing their credit score. This is not true. To get the maximum credit score, credit card and other revolving credit balances must be 30% or less of the limit.

Of course, to pay down credit card balances is easier said than done. We give our clients on online tool to show them how to pay down their balances using the same amount of money they currently spend on monthly debt. This impacts the Amounts Owed (30%).

Other credit repair services we provide free of charge are online credit monitoring, identity monitoring and theft protection, a budgeting tool and more.

Get the Best Credit Repair Services in Tampa Bay

If you want the maximum boost to your credit score look below and choose the most convenient way for you to contact us. We’ll explain all of our credit repair services to you. You’ll be very impressed that we provide these services for the same or less cost than most companies charge for credit repair alone. And remember, credit repair alone only impacts 35% of your score. We’ll boost 100% of your score!

WE GIVE YOU 3 OPTIONS

Option 1- Call us at 727-222-0120

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

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

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

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


Appointment Calendar is Set for Eastern Standard Time

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

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

Lexington Law Review
Comparison with ERA Credit Services

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

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

Lexington Law

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

ERA Credit Services

Services Offered

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

Services Offered

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

Fees Charged

Standard Service – $89.95/month

Premier Service – $109.95/month

Premier Plus – $129.95/month

Fees Charged

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

Average Length of Service

One Year– reported randomly by consumers

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

Average Length of Service

6 Months

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

Summary

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

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

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 

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 

How is a Credit Score Calculated?

Fix My Credit- There Are Two Ways to Do It

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

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

Fix My Credit

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

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

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

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

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

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

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

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

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

Fixing your credit is different than fixing someone else’s credit. That’s because what’s on your credit report is different than anyone else. So, in order to share what we’ll need to specifically do for you we would like to speak with you.

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 727-222-0120

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

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

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

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


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

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

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

Credit Repair Near Me

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

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

The credit repair industry is different than other financial industries

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

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

A Credit Repair Company Near Me

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

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

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

A Local Credit Repair Service You Can Trust

The best way for you to judge our experience is to talk with us.

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 727-222-0120

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

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

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

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


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

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

Credit Repair Near Me
<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2018/12/Local-Credit-Repair-Company-ERA-Credit-Services.png" alt="Local Credit Repair Company
Why Choose Local?" />

Local Credit Repair Company
Why Choose Local?

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

Why Choose Local?

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

The Downside of Local Credit Repair

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

ERA Credit Services – A Local Tampa Bay Credit Repair Company

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

Boost 100% of Your Credit Score

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

Local Credit Repair Office in Clearwater

Our office is in Clearwater. Find us on Google Maps

Check Our Reviews

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

Always Be Informed

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

$99 Account Activation Fee and only $89/month

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

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 727-222-0120

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

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

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

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


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

I hope you got value from this post. That is my goal.
If you did, you can get notified of new blog posts as I publish them. Just enter your Name & Email Address.
“Please know that 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 credit worthy. That accounts for 15% of your score.

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

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

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 727-222-0120

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

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

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

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


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

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

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2018/11/ERA-Credit-Services-Credit-Score-Chart.png" alt="Best Credit Repair Service
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.

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

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

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

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

The Clearwater Credit Repair Plan

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

Online Reporting 24/7

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

A Credit Repair Plan of Action – Credit Builder

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

Real-time Online Credit Monitoring

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

Identity Theft Protection

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

Debt Utilization

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

Other Credit Score Services

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

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 727-222-0120

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

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

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

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


Appointment Calendar is Set for Eastern Standard Time

Option 4- Click to Enroll NOW!

tampa bay area credit repair

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

Financial Fitness Program

More than ever before people need help with their personal and financial affairs. There are many reasons for this. The primary reason is that as a country, we are earning less in relation to inflation than we were 20 years ago. In addition, what we need in order to get our financial affairs in order is not organized and readily available for the average person. That is why we have developed a Financial Fitness Program.

Did you realize?

  • The average U.S. household credit card debt is $16,000 – NerdWallet.com
  • 69% of Americans have less than $1,000 in savings and 49% of those people have no savings at all – CNBC.com
  • 49% of Americans are living paycheck to paycheck – CNBC.com
  • The U.S. median family income rose just 2.8% since 2017 while the cost of living has increased 77% – US Bureau of Labor Statistics

We are certainly up against a series of circumstances that makes financial fitness next to impossible. Another factor is that we were never taught how to handle our finances in school, even college. We simply aren’t equipped on our own to develop a financial fitness program.

Financial Fitness Program

At ERA Financial and Credit Services we have joined forces with a company to provide an affordable financial fitness program for everyone. We call it The Protection Plan Membership. To get all these services and programs someone would have to get them from multiple sources and pay over $10,000. That’s just not realistic. So, we have put all these services together into a financial fitness program for only $89/month!

Here’s What Comes in Our Financial Fitness Program

  • A Debt Payoff System
    • 35% of Americans make only the minimum monthly payment on their debts. We show you how to pay these debts off faster saving tens of thousands in interest payments and how to live a debt free life.
  • Identity Theft Protection with LifeLock
    • Every 2 seconds an identity is stolen. 143 million people had their identity stolen through Equifax, one of the big 3 credit bureaus.
  • A Last Will, Living Trust, and Medical & Financial Powers of Attorney
    • Everyone should have these important documents in place but 65% do not.
  • Online Tool to Inform Loved Ones of the Location of Important Assets
    • $58 Billion goes in life insurance policies, 401k programs, bank accounts and other assets because loved ones don’t know they exist or where they are located.
  • Credit Enhancing Services
    • Today your credit is like a vital sign of your Financial Fitness. With a less than great credit score people pay more in interest and deposits, and can be turned down for purchases or to rent or lease.
      • Online Credit Monitoring with all 3 credit bureaus showing credit scores and credit reports
      • Education and recommendations on how to have an optimum credit score
      • Credit Repair to remove derogatory items from a credit report and increasing one’s score
      • A Credit Attorney that will step in if necessary
  • Money Savings Services
    • A Discount Travel Company with an online portal that saves thousands on hotels, resorts and vacation packages
    • A Discount Prescription Drug program that provides an average savings of 41%
    • An Insurance provider to insure that people are getting the right coverage at the best premium rates

To find all these services and programs on your own and become Financially Fit would be very difficult And again, very costly.  With our Financial Fitness Program called The Protection Plan these services come together. You get an online portal for easy access and coaching from our expert Support Team.

All for a one time set up fee of only $188
Then just $89/month

Think about it. If you can pay down your debt and therefore pay less interest on your debt ongoing, that would save far more then $89/mo.

If you could increase your credit score and pay less interest on your mortgage, car payment and credit cards that would save far more then $89/month

If you could prevent identity thieves from using your identity to open accounts in your name that would save more than $89/mo.

And, if you could save on personal or business travel throughout the year that would save far more then $89/mo.

Start Your Financial Fitness Program Today!

For more information call

East Coast (727) 222-0120
West Coast (619) 492-3040

Or email us at Info@eracreditservices.com

Financial Fitness Program