Category: Financial Education

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2017/08/Debt-Reduction-e1503579184362.jpg" alt="Debt Reduction
for Overall Financial Fitness" />

Debt Reduction
for Overall Financial Fitness

We are best known for helping consumers increase their credit score. However, in many cases the reason why people have a low credit score is because they have too much debt. And, they don’t know how to pay it off or at least pay it down. Debt reduction is an important component to your credit score and overall financial fitness.

There are two ways generally someone can learn how to reduce their debt. One is to pay someone to do it for them. This is costly and doesn’t really teach the consumer how to do it themselves reducing their capability to maintain low debt in the future. The other is to learn how to do it yourself by using a program that walks you through it step by step.

Fortunately we provide our clients with an online program to help them reduce their obligations. By paying down their balances in relation to their limits or original loan balances it increases their credit score. And, they ultimately save thousands of dollars in interest.

Debt Reduction Simplified

This program simplifies the complexity of figuring out what debt to pay first, then next, etc.. You start by inputting your debt obligations including interest rates and pay off amounts. Then the program runs a report showing which debts to concentrate on paying down. Even if you can only add a small amount of money each month to paying the most expensive debt, it reduces the principal amount of that dramatically over time.

The most expensive debt is not necessarily the one with the highest balance. It may be the one that has the highest interest rate. The program identifies this for you and suggests how much more to pay on that debt.

Once that debt is paid down and ultimately paid off, it then suggest you take the entire payment amount you were applying to the first debt, and pay the next most expensive debt. This method can literally save you thousands of dollars, maybe tens of thousands of dollars.

For more information on our Debt Reduction program and how we can help you become more financially fit contact us by visiting us at https://eracreditservices.com/ or calling our office.

West Coast (619) 492-3040
East Coast (727) 222-0120
email: info@eracreditservices.com

Credit Repair Companies
How to Pick the Best One

When you look for credit repair companies on the internet it may be overwhelming. There are 10 credit repair companies listed on the 1st page of Google. Do you just call the 1st company listed? Do you call all of them?

What if you new some questions to ask when you visited these credit repair companies websites and/or called them? Wouldn’t that make it easier? Below is a list of questions to ask and the reason why you want to ask each question.

Questions to Ask Credit Repair Companies

  • How long have you been in business?

Experience and track record in the credit repair industry is critical to success for you as a client. Unlike in real estate or the mortgage industry there is no licensing required in credit repair. Therefore, just because a company is listed on the front page of Google doesn’t mean they’re good at what they do.

  • Are you accredited and what is your rating with the Better Business Bureau?

A BBB accreditation and high rating is a great indicator of a solid company. If credit repair companies often don’t do a good job consumers will submit complaints to the BBB. You can actually visit their BBB page and see complaints, if any. If a company isn’t accredited and rated by the BBB stay away.

  • Are they certified by the National Association of Credit Services Organizations (NACSO)?

For many of the same reasons as above a NACSO certification will give you peace of mind that do a good job for their clients. Typically, only established, experienced credit repair companies will have a NACSO certification.

  • Do they dispute ALL derogatory items on your credit report immediately?

Understand that most credit repair companies do not. They only challenge or dispute one or two items at a time. This prolongs the time it takes to get you a result and costs you far more money. If they don’t address all your items immediately find another credit repair company that does.

  • Do they make recommendations and coach you on what you could be doing to increase your credit score?

Credit repair is an effective means to increase your credit score. But you should be made aware of what you can do to impact your credit score now and for the future. If they can’t or don’t do this you aren’t working with the one of the best credit repair companies.

These are the main questions to ask when looking for credit repair companies to work with.

If you call our company we answer these questions on the phone right away.

  • We have a track record since 2004 and have assisted over 250,000 clients in increasing their credit score. And, we help clients in all 50 states.
  • We’re backed by an A Better Business Bureau rating and are accredited by the BBB.
  • At ERA we are backed by a NACSO certification.
  • Every negative item we find on your credit reports will be addressed right away to get you results in as little as 45 days.
  • We’ll make recommendations and coach you on how to have the highest credit score possible.

So, give us a call. We have proven time and time again that we are one of the best credit repair companies in America today.

We offer a free, no obligation consultation on your specific situation.

We’ll explain fully how it all works .

We’ll give you an honest assessment on the time frame it will take for you to remove negative items from your reports.

And, we’ll give you a fair price for the best credit repair service in the country.

Book a Phone Appointment Right Now!

Or visit the Credit Repair page on our website to read more about our specific services.

<img class="blog_post_image" src="https://eracreditservices.com/wp-content/uploads/2017/06/credit-repair-companies-625x415.jpg" alt="Credit Repair Companies
How to Pick the Best One" />

Tampa Credit Repair

Tampa Credit Repair – A Complete Plan to Increase Your Score


If you face challenges with your credit score such as not qualifying for a loan, you may search online for a solution and call a Tampa credit repair company. All credit repair companies will attempt to remove negative items from your credit report. Some will do a better job than others. But credit repair alone will not give you the maximum increase in your credit score.

Your credit score is not just based on negative items on your report. You need a total plan that will impact every aspect of your credit score. First, we analyze your reports with all 3 credit bureaus (Equifax, Transunion, Experian). Then we provide you with a plan to increase your credit score that includes our A+ Better Business Bureau rated credit repair service to maximize your credit score.

This plan is called the Credit Protection Plan. We start with credit repair. We’ve been a top rated credit repair company since 2004. We have become the company of choice for real estate companies, mortgage companies and banks for Tampa credit repair.

Companies such as Keller Williams, Evolve Bank & Trust, Charles Rutenberg Realty, Cadence Bank, and American Express Open all send their clients to us to improve their credit score. We are also proud members of the Central Pinellas Chamber of Commerce.

The Tampa Credit Repair Protection Plan

Central Pinellas Chamber of Commerce MemberThe plan starts with you own 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 Tampa credit repair companies that want to prolong your service with them.

But we don’t stop there. You need to see your credit score and be able to access your credit reports online 24/7. How else will you know if credit repair is working? We provide that to you on day one.

But what about other steps you can take to increase your score? We give you steps to take that will optimize your credit score. This knowledge will help you for the rest of your life so you can always have the best credit score possible.

We then protect your identity through PrivacyArmor. 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.

What about your existing debt? We teach you how that affects your credit score and give you a plan to pay down then 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.

Then we make sure your family and assets are protected by giving you a Will, Living Trust and medical and financial Powers of Attorney. Everyone needs these vital documents but less than 20% of people have them.

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

San Diego Credit Repair

San Diego Credit Repair
A Complete Plan to Increase Your Score

If you face challenges with your credit score you may search online for a solution and call a credit repair company. All San Diego 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. 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.

If You’re Rushed for Time Watch a Brief Video on San Diego Credit Repair

The San Diego Credit Repair Plan

We give you a full and complete credit repair plan. We start with credit repair. We’ve been a top rated San Diego credit repair company since 2012. We have become the company of choice for real estate companies, mortgage companies and banks for credit repair in San Diego.

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 PrivacyArmor. 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.

Selective 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 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

This post was originally published in January of 2017 and was been updated for freshness, accuracy, and comprehensiveness in October of 2018.

San Diego Credit Repair

Will and Living Trust Tampa Bay $499.00

If you are considering a will and living trust in Tampa, St. Petersburg, Clearwater area this is good news.

Will and Living Trust

There are typically two age groups that think about setting up a will and living trust along with a medical and financial power of attorney. Those that have children under the age of 18, and those people over 60. But the fact is that everyone should have a will and living trust if they care about their family.

The confusion caused by someone that passes not having their financial affairs in order can be devastating. Life insurance policies and funds from all sources can go unclaimed. Relationships between siblings can be ruined and more.

Typically the cost of a fairly simple will and living trust along with a medical and financial power of attorney is prohibitive for most people.

A living trust alone can range from $1,000 to $2,000 depending on the attorney. However, unless there are complications from business partnerships or assets in excess of $1 million, a will and living trust and POAs aren’t that expensive, can be done from the comfort of your home, and completed rather quickly.

We offer an opportunity for a individual to set up a will, living trust, and a medical and financial power of attorney from the comfort of their home. We provide assistance to walk someone through the process. If the individual is unable to do this themselves we can assist a family member in preparing the documents.

Taking care of setting up a will and living trust is vital for protecting children under the age of 18, and taking care of loved ones. Don’t delay. Having these documents in place brings peace of mind.

will and tust

Does Credit Repair Work?

Many Consumers Want to Know…Does Credit Repair Work?

Does Credit Repair Work?

Does credit repair work? Yes, it does. Or, more correctly stated, credit repair can work. It depends on many factors regarding the specific account(s) on a consumer credit report. In fact, the process of credit repair is dictated by the Federal Trade Commission in a law called the Fair Credit Reporting Act. The premise of this law is that creditors must verify the information they’ve previously placed on a consumer credit report.

Because this is a federal law, credit repair works for consumers in all 50 states. Therefore a consumer seeking credit repair in Tampa has the same rights as a consumer seeking credit repair in San Diego.

To learn the answer to the question, “does credit repair work?”, it’s vital to understand ‘how’ credit repair works.

When a creditor places information on a consumer credit report there’s a chance the information is incorrect. Or, that it will become outdated and incorrect over time as the status of the account changes. There must be a mechanism for the consumer to challenge that information and have it corrected. One of the main purposes of the Fair Credit Reporting Act is to give the consumer a resource and process to follow to have the information corrected.

In this process the creditor is under obligation by federal law to validate the information they have previously placed on a consumer credit report. If the account listed is erroneous or inaccurate the creditor must correct it. If the account is obsolete the item must be removed by the credit reporting agencies (Experian, Equifax, Transunion). An account is considered obsolete when there has been no activity for a minimum of 7 years. Or, 10 years in the case of a bankruptcy filed by the consumer.

Here’s the key to understanding that consumers can potentially have items reported within 7 years removed as well.

The creditor is required to verify what they previously reported upon request by the credit bureau within 30 days. If they do not respond the federal law requires that the credit bureau remove that account from the credit report. That is regardless of the age or status of that account.

What are some scenarios where the creditor cannot or does not verify the information previously reported?
– The creditor no longer is in business
– The creditor has sold the account to a collection agency. And that collection agency does not have the complete or accurate information on the account
– The account is old (even if not yet 7 years old) and the creditor cannot locate the information or chooses not to
– The outstanding balance has since been paid. And, therefore the creditor has no incentive to respond to the inquiry from the credit reporting agency

Will all negative items be removed?

Does this mean that all derogatory or negative items will be deleted from a consumer credit report through the credit repair process? Certainly not. Here’s what will be:
1- Erroneous accounts
2- Obsolete accounts
3- Those accounts that the creditor does not verify as accurate when contacted by the credit reporting agency when that item is challenged

Credit repair is not a panacea or fix for all past credit problems of a consumer. But by going through this process it can clean up a consumers report and increase their score. It may give them enough of a credit score increase to qualify for a purchase and simply look more credit worthy to a future creditor.

Does Credit Repair Work? Consumers considering this process should consult a professional company that has a successful track record and an A+ Better Business Bureau consumer rating. They should also seek a company that will provide education. Such as making specific recommendations on what they can do to increase their score. And keep that score as high as possible in the future.

does credit repair work?

 

The Best Credit Repair Company San Diego

The Best Credit Repair Company San Diego

Best Credit Repair Company San Diego

After a search on Google, Bing or Yahoo in an attempt to find the best credit repair company San Diego you have probably found several listings. Every one of them tells you they’re the best and most effective. Calling all these companies is very time consuming so here are some answers you want to get before proceeding.

A National Company vs. a Local San Diego Credit Repair Service

Which should you choose? It’s seems like it would be best to work with a local company. But many local credit repair companies are one person operations that have limited resources in their abilities and have no backup should something happen to that one person such as illness, vacation, closing their business and worse. What happens to your account and money? The national companies typically have poor or no personal customer service. And, what’s your recourse should you not get the results you’re looking for?

Solution – ERA Credit Services is local and national. We have been providing credit repair services to San Diego consumers since 2012 and pride ourselves on giving the personal service you expect. However, we are also part of a national credit repair company with 15 years experience and phenomenal customer support. You have the best of both worlds. And, you get our Customer Satisfaction Guarantee that will be honored no matter what happens to us locally.

Pricing – It’s simple. There’s one time account set up fee of just $99.00 and a monthly fee of $89.00. Here’s the key. Many companies that charge a monthly fee drag their feet. They prolong the process needlessly costing you more monthly fees. We aggressively try to remove all your derogatory items immediately reducing the amount of time you’ll be on service with us. Our goal is to be the best credit repair company San Diego. And we’ve proven for since 2012.

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

Most companies send and receive communication directly to and from the credit bureaus. You are not part of the process and therefore have no way of knowing what’s happening with your account.

Solution – Our first step is to analyze your credit reports for no additional fee and upload all your derogatory items to an online, password protected account. You can then log in 24/7 and see your items and then follow the progress of what items have been deleted, upgraded to paid as agreed, and what items remain for us to work on for you. You are not in the dark. You see us working for you every step of the way.

Trust the Professionals

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

Financial Peace of Mind – A 10 Point Plan

We get so caught up in the process of earning income to pay our bills, that we don’t take the time to protect the very valuable assets that what we have and the people in our lives such as our identity, credit, children, spouse, and plans for retirement in our to have financial peace of mind.

It may take a life changing event such as marriage, divorce, or birth of a child to assess what type of protections we have in place for our future. This is a NO BS 10 Point Plan to protect what you have and plan for the future.

Financial Peace of Mind

Here is a 10 point plan to gain overall financial health and financial peace of mind

1. Know your Credit Score
Today our credit score is like a vital sign of our overall financial health. A low credit score can impact paying higher interest rates & insurance premiums. You can be denied the ability to purchase a home, buy a car, rent an apartment or even be denied a job. And reports show that 4 in 5 credit reports have errors on them causing a lower credit score. Credit Reporting Agencies pay millions of dollars each year in fines for not accurately verifying information and therefore report erroneous items to your credit file. Get a free copy of one or all 3 of your credit reports by visiting www.annualcreditreport.com (Experian, Equifax and Transunion).

2. Get your credit score to 750 or above so you can save the most money and have the most control over your financial future
Having a credit score lower than 750 can cost you over $200,000 and upwards of $1 million over the course of your lifetime! If you do not have a 750 score, the good news is that you can restore your credit score. You can potentially remove obsolete, erroneous, and unverifiable items from your credit report through the credit restoration process. There are solutions, education & systems on how to maximize your credit profile and boost your score.

3. Establish online credit related tools that enable you to monitor your credit reports and credit score, learn positive credit habits, and remove derogatory items from your credit reports
There are several online tools available today to help you in these areas. But it’s best to find a suite of tools available in one place to help in all these areas. Many online tools don’t give you a clear picture or work on a real time basis and therefore alert you when it’s too late. Having the right tool is key.

4. Have all of the following in place: Last Will, Living Trust, Health Care and Financial Power of Attorney
Having these vital documents in place can protect your family and save them the excessive cost of Probate. A Will alone without a Living Trust does not avoid Probate. A Will can be contested causing a financial & emotional strain on your family. Having all 4 documents in place allows peace of mind that your wishes are followed. It will also relay your medical and financial wishes should you not be able to do so yourself.

5. Have all of your personal and financial documents and information organized in a place that the people you designate could easily find if something were to happen to you
$58 billion per year goes unclaimed in life insurance, pensions, stocks, bank accounts and other assets because loved ones simply don’t know they exist or where to find them.

6. Have Identity Theft Protection
Every 3 seconds an identity is stolen. The IRS has established a division to deal with nothing but identity theft. The FTC says 10 million Americans will have their identity stolen. It’s not a matter of if, it’s a matter of when you will have your personal and financial information compromised.

7. Have a budgeting and debt payoff tool, game plan, and time frame of when to be debt free
Living our lives in debt is not something we have to do. The fact is that we can use the same amount of money we are paying out in debts right now and get ourselves out of debt. We can know that exact date we will be out of debt, and do it in nearly half the time. There are online tools available to help you with accomplish this.

8. Have $100,000 minimum in life insurance
$100,000 doesn’t go as far as it used to but it still will pay for final expenses, any outstanding miscellaneous debts such as credit cards, and not put any financial burden onto our loved ones.

9. Have a second income stream
In today’s economy one of the riskier things we can do is depend on one income whether it be a job or business. Options are critical to have if something unforeseen were to happen with our primary source of income. Reports show that if the average American were to lose their job, it would result in financial turmoil in a matter of weeks. The average debt per household is over $225,000 with many having less than $500 in savings.

10. Educate your children on matters of personal finance
Our school systems have never taught students how to be responsible with their finances as adults which is why many have learned the hard way. Schools today are no different. It is up to us, as parents, and older family members to educate our children how to take care of their finances.

We hope you found this information helpful.
If you would like to download a copy of this guide click below.

Financial Peace of Mind

To learn about an affordable way to get all the education and services listed above to protect yourself and your family all in one place so you can have financial peace of mind,
watch the video below.

To protect yourself and your family with the Protection Plan Membership for a one time activation fee of just $99 then only $89/month click the following link to enroll

If you would like to learn about a way to get all the education and services listed above to protect yourself and your family all in one place FOR FREE contact us.

Dale & Shirley Guiducci
(727) 222-0120
info@eracreditservices.com
www.eracreditservices.com

Choose the Best
Network Marketing Company

If you just searched on the internet for ways to determine how to choose the best network marketing company you saw that there are dozens of articles and blog posts on the subject. I have done so as well and want to share with you a company that passes every test that I have come across.

Best Network Marketing Company

Please note that we represent Financial Education Services (FES) and have since 2012.

My wife is now also full time and we are partners in building our business. FES has helped us replace two full time incomes. I would like to be clear and obvious to the reader that we are looking for solid, hard working, individuals that are, in turn, looking for a network marketing opportunity. However, don’t let that take away from the fact that this company is well worth researching as a part time or full time career.

So what are the attributes of the best network marketing company according to every article about the topic?

Let’s take a look at what they say and then describe the attributes of the FES.

Longevity– look for a company that’s been in business at least 5 years so you know that it has survived the period in which 95% of all companies fail.

FES- has been in business since 2004. Started network marketing business model in 2010.

Capitalization or Debt Owed– Find a company that is not leveraged to the hilt. They may have a great product and compensation plan but if the company doesn’t survive it won’t matter.

FES- is a debt free company and is growing consistently with a 30% to 100% annual sales revenue increase. It should be noted that FES carries an A+ BBB rating.

Ownership– Articles do differ on this topic. Some state that you should look for companies that still have the original ownership. Others say that the company should be publicly traded so that you can view financials. You’ll have to go with what you’re most comfortable with.

FES- is privately owned by the two gentlemen that started the company in 2004. They bring over 30 years of experience from the financial services industry. They have also teamed up with two people that bring over 50 years of experience of training and building sales teams in the network marketing industry. Their goal is to have the best network marketing company possible.

Product or Service– There should be a strong need for the product or service. The product or service should be unique and not easily purchased elsewhere. The product or service should be manufactured or delivered by the company and not outsourced.

FES- the core product is credit restoration. If you have stellar credit simply ask friends or any real estate agent or mortgage broker about the number of people with challenged credit. And, you can’t get credit restoration from a reputable company at a retail store. In addition, FES has a dozen other services such as online credit monitoring, identity theft protection, and a will and living trust. Lastly, the credit restoration service is provided by United Credit Education Services which is operated by the ownership of FES. United Credit Education Services also has an A+ BBB rating.

Inventory– Do you have to buy inventory when you start and/or continue to buy inventory?

FES- there is no inventory to purchase. However, FES does offer a Protection Plan to its Agents that contains all the services it offers for just $87/month. It’s a benefits package that also includes up to $100,000 in life insurance. An added feature is that, as an Agent, once you have 5 Protection Plan Customers or Agents on your team that are on the Protection Plan, your benefits package is free.

Customer Purchases– Will customers buy what you’re selling without becoming part of the business opportunity?

FES- the credit restoration service is sold to thousands of customers each year that are not Agents of FES nor ever become an Agent. In fact, a significant amount of the sales comes from referrals from professionals in credit related industries such as real estate, mortgage, banking and automobile.

Immediate Income– can someone earn income quickly or do they have to build a large team first?

FES- the commission alone on the credit restoration service is up to $100.00 giving a new Agent the opportunity to earn $400 per month on one sale a week, or $2,000 a month on 5 sales a week. This has nothing to do with building a team or recruiting. This does not include the residual income from each monthly payment your client makes.

Compensation Plan– Is the compensation plan designed to encourage building deep (helping your team) versus building wide (only helping yourself)?

FES- the compensation plan is designed to build deep. In fact, you only need 5 people front level to reach the top position in the company. And, part of the qualification for each new title and increase in pay is that you help others on your team.

Marketing and Technology– Does the company provide a customizable website, customizable marketing materials, and other marketing collateral both online and offline?

FES- Provided to each Agent is all of the above and very comparable to the top companies in the industry. Also, there are marketing videos, a CRM, and landing pages for each Agent.

Training– does the company provide online and offline training opportunities?

FES- There is a full curriculum of training consisting of an online video library, a series of weekly conference calls and webinars conducted by the top people in the company, and a series of live seminars that are conducted in cities around the country. This gives Agents the opportunity to learn from the top producers in the company on a regular basis so: 1) they do not have to rely on their sponsor’s level of knowledge or experience 2) they can develop a nationwide team and plug those people into the training system regardless of their own level of knowledge and experience.

I realize you may want further details on any and all of the above topics. As well, there may be other criteria that you may want to look into. This was written with the sole purpose of getting you to consider FES and contact me for more details.

FES may not be the best fit for you. You have to be or become passionate about what we do to help people with matters of personal finance. As well, you have to commit to your success in the business, be willing to get trained and execute what you learn. Success with any opportunity requires hard work and dedication.

Why contact us?

That’s a great question as well. In more than one article written about how to find the best network marketing company it suggests you enroll under someone that has proven and documented success with the company.

My wife and I (Dale & Shirley Guiducci) are full time with FES. We have reached the position of Vice President. As I stated above, FES has replaced both our previous incomes.

In 2013, our 1st full year, we were #2 in Sales and #2 in recruiting. We received the “Most Improved” award and were in the top 5 producers during a 5 month long annual Cruise Contest.

In 2014, we were #1 in Sales and #2 in recruiting. We received the “Outstanding Achievement” award and were #1 in the annual Cruise Contest. We were also inducted into the FES Six Figure Club.

In 2015, we were #2 in sales and #3 in recruiting. We received the “Leadership” award and were #3 in the annual cruise contest.

In 2016, we were #4 in sales, recruiting and was the #4 Most Valuable Agent in the company. We were again, #3 in the annual cruise contest. Also that year we reached the 1st level in the companies R&R Club and were awarded an Audi A5.

Feel free to visit the site we built for our team of independent Agents, EntrepreneurSkill.

Dale & Shirley host national training conference calls and webinars. And, have conducted live company overviews and trainings around the country from San Diego to the Tampa Bay area. Dale is also a trainer with Entrepreneurs International. A company founded by entrepreneurs, for entrepreneurs. EI teaches people the skill set and mind set necessary to be a successful entrepreneur.

We look forward to first providing you with further details so you can make an independent judgement and determine if FES is the best network marketing company. Then we would like to get to know you and have you learn about working with us. If all that feels and looks right then you can truly make an informed decision about your next career move.

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Getting a Mortgage with Bad Credit

There are no guarantees in attempting getting a mortgage with bad credit. However, with pending rate increases and still a reasonable real estate market, it’s worth a try. And, if you work on a few things you can increase your chances for approval.

Mortgage with Bad Credit

Stesps you can take to get a mortgage with bad credit

Employment

The amount of income is not necessarily “the” key factor. Mortgage lenders are willing to grant a mortgage loan with poor credit as long as the borrower can demonstrate their ability to make repayments for the 25 or 30 years of the mortgage term.

Debt Ratio

Typically a borrower has to have enough income and low enough existing obligations so that the amount of those obligations plus the mortgage payment represents less than 40% of their income. For example, with a monthly income of $5,000, if the mortgage loan repayments raise total debt repayments to less than more $2,000, then the application can be approved.

Credit Score

Even with a low credit score if other factors are in place, and the borrower is showing increases in their credit score the underwriter may look more favorably on it.

There are two ways to increase a credit score. One is to build positive credit by getting credit lines (credit cards, etc.) that will turn into positive trade lines on the credit report. The only issue with this just before applying for a home loan is that it may appear that the borrower is trying to access too much credit, and eventually have too large of a credit limit.

Credit Restoration

The other way to increase a credit score rather rapidly is though credit restoration or what some people refer to as credit repair. This is the process of getting older derogatory items removed from a credit report because the creditor does not validate or verify the accuracy of the account. This can be done by the consumer but it is advisable to use a reputable credit restoration company. Just as someone could represent themselves in court it isn’t the best use of someone’s time nor do they perhaps have the expertise necessary for success especially if you are trying to get a mortgage with bad credit.

Down Payment

There is no underestimating the advantages of providing a large down payment. Usually, about 5% is the minimum required. But when it comes to applying for a mortgage loan with challenged credit, it may require a substantial amount more. For example, a 10% down payment on a property worth $250,000 requires $25,000. The financial discipline required to get $25,000 together is significant. This kind of discipline is exactly what lenders want to see before approving a mortgage loan.

mortgage with bad credit