Category: Financial Fitness

San Diego Credit Repair – How to Choose the Best Credit Repair Company in San Diego

So, you used Google or YahooSearch to find a San Diego credit repair company and you’ve found many. How do you choose which ones to even call? Every one of them tells you they’re the best and most effective. Here are some tips that will help you sift through all the marketing hype.

Big National Credit Repair Company vs.
a Local San Diego Credit Repair Company san diego credit repair company

This can be a tough choice. It’s seems a good thing to work with a local company. But you have to beware of local companies. Many local San Diego 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– Our company is local and national. We have the personal customer service you should expect from a San Diego credit repair company. However, if something should happen to us locally you have a national company with 14+ years experience and phenomenal customer support backing us up. You get the best of both worlds. And, you get our Customer Satisfaction Guarantee that will be honored no matter what happens to us locally.

Pricing– This really comes down to overall cost. What you need to be aware of is that most companies will not address all your negative items immediately. They do this with one goal in mind. That’s to keep you paying monthly fees longer. We do business differently. We address all items immediately. Our goal is to get you the highest credit score as quickly as we can. Why? because you’ll get great results and save money. Then you’ll tell people about us. Also, we do business with many of the top real estate and mortgage companies in San Diego. They want us to get that client qualified as soon as possible. We charge a $99 account set up fee and just $89/month.

The Fastest, Most Effective San Diego Credit Repair Company

A standard practice in the credit repair industry is for companies to purposely slow the process down. They do that to get their client to pay more monthly fees. Our goal is to get you the highest credit score as quickly as possible. Why is there a difference? It’s simple. Most companies get their business through advertising directly to the consumer. We get most of our business through referrals from real estate, mortgage, banking, auto, solar and tax professionals. We have to perform quickly or these professionals will stop sending their client s to us.

Solution- We challenge every derogatory item on all 3 of your credit bureaus reports immediately. We do that regardless of how many items. Therefore we provide the fastest, most effective service of an San Diego credit repair company. In fact, we have the best, most complete service in the country.

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

Most companies, once you sign up with them, do not communicate with you after that unless you call them. You do not see what they are doing nor see the results on a regular basis. How will you know what’s going on with your account? What are you getting for your money? In fact, they hope you forget you even signed up for the service so they don’t have to keep you informed or worry about your satisfaction.

Solution– When you begin service with our company we analyze your credit reports 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.

For more information and an assessment of your specific situation

ERA Credit Services

Call 619-492-3040
Email us at info@eracreditservices.com

This post was originally published in June, 2014 and has been updated for freshness, accuracy, and comprehensiveness.

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.
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Tips to Raise Credit Score

Many people when needing or wanting to raise credit score immediately find someone else to do it for them. They call a credit repair company and assume that is the best they can to do increase their credit score. Enlisting the help of a credit repair company to raise credit score is a good idea in most cases. But there are other steps people can take as well to increase their credit score.

What is Credit Repair?

Credit repair is using federal law to remove derogatory items from credit reports that are erroneous, obsolete or unverified by a creditor. It can be very effective but in most cases will not remove every negative item from a credit report. Why? Let’s consider a negative item that is not an error and the date of the last activity on the account is within the last 7 years. The only way that item is going to be removed by the credit bureaus is if the creditor does not respond to a dispute of that item. If the creditor continually responds stating that item is accurate, it’s not coming off until the 7 years is up.

So then why is credit repair effective? Because many creditors don’t respond to the dispute sent to them by them credit bureaus. It’s as simple as that.

Tips to Raise Credit Score

Credit repair is one step that someone should take but there are other steps as well.

Balances on Revolving Accounts

Many people think that if they simply make their minimum payment every month on their credit cards they are doing their best to maintain or raise credit score. That’s not true if the balance on the credit card is higher than 30% of the credit card limit. So, pay down your balances to under 30% of the limit.

Late Payments

Late payments are one of the worst enemies to a high credit score. As we work with clients sometimes we are removing negative items and they call us upset that their credit score has gone down. After investigating we find that they have made a recent payment late such as a car payment. Late payments can reduce credit score by as much as 60 points. By making future payments on time the score will increase again. But if someone is trying to raise credit score don’t make late payments.

Positive Accounts

Many people don’t realize that even if they have very few or no negative item on their reports they are not going to have an excellent credit score unless they have positive accounts as well. The more positive accounts the easier to raise credit score. Find ways to add positive accounts to your credit reports. Don’t spend money you can’t pay back on time. But find a company that reports to all 3 credit bureaus and open an account. Make a small purchase and pay it down to 30% of the credit limit given to you immediately. Depending on current credit score perhaps go to a bank or credit union that has credit builder loans. Even if it’s just $500. They will put the money in a savings account and you can pay back the loan from the savings account. It will cost you some interest but will raise credit score.

To clarify, we are credit repair experts. Credit repair is a very positive step. But we also educate our clients on what I’ve shared above and other things depending on their personal circumstances. We also provide other tools for our clients to raise credit score at no extra charge that other companies don’t. Click “Book a Phone Appointment” below  or visit the Credit Repair Page on our website.

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.
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Tips to Raise Credit Score
Healthy Credit Score – The Vital Sign of Your Financial Fitness

Healthy Credit Score – The Vital Sign of Your Financial Fitness

When we go to the doctor, the first thing they do is check our vital signs. Blood pressure, pulse, and blood oxygen levels. Every time. In effect, what they are doing is checking our heart. Without a healthy heart, it’s impossible to have physical fitness. The equivalent in financial fitness is having a healthy credit score.

Most of us will agree that the key to a healthy heart and physical fitness is diet and exercise. If we maintain a healthy eating style and exercise regularly, we have a reasonably good outlook for physical well being.

Similarly there are keys to financial well being also. Good habits that we all can learn and do to have a sound financial well being. And, if we do these things we will have a good outlook for financial fitness which will be represented by a healthy credit score.

healthy credit score

First of all, we need to check our financial fitness vital signs ourselves. For most, there’s no financial doctor that we go to regularly that do that for us. So, we need accurate, real time credit monitoring. Not the free services because they aren’t accurate and aren’t real time. Not the one we get from the credit card companies for the same reason.

Then we need to protect our credit which comes from protecting our identity. It’s like taking supplements to bolster our immune system. Identity theft protection is a key to a healthy credit score and sound financial outlook.

We also must learn how to get and maintain a healthy credit score. It seems that everyone is only focused on negative items versus positive items on their credit report. But there are many things we can do on a regular basis to achieve a healthy credit score even if we have negative items on our credit reports. We were taught at least some things in school about health. There were even courses we had to take. But there were no courses financial fitness and certainly nothing about a healthy credit score.

What about those negative items on a credit report? Can we do anything about that? Most of the time, yes! Just like with disease, if left unchecked it could seriously affect your health.

If we have negative items on your credit report it’s like a disease of our financial fitness. And, in a lot of cases it can be rectified. Yes, we have to take a remedy for it but not forever!

Then there’s debt. Paying interest on debt zaps our financial energy. Money is going out with no return. But what if we could pay that debt down and stop paying as much interest? We would have more money to save for emergencies, retirement and college.

Once we start developing a sound financial outlook we need to protect it all. Therefore we all need a last will, living trust and medical and financial powers of attorney. Without these vital documents everything we build for ourselves could go up in smoke before our heirs see it.

Everything we need to rectify these problems and have sound financial fitness is available. The problem is, that up until recently, no one knew where to get all this. It was like going to a gym for cardio, then another for weight training, then another for yoga. It was unrealistic and expensive.

Now, everything we need for financial fitness is all in one place with one membership for just $89/month. And, it’s simple. You log into an online account and all these services are waiting for you. Plus there are videos to explain each.

Now financial fitness is as readily available as physical fitness.
But just like physical fitness it requires focus and discipline.
Are you ready to get focused?

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.
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San Diego County Credit Repair

ERA Credit Services is the Clear Choice for
San Diego County Credit Repair

Serving San Diego County
Credit Repair Clients
Since 2012

san diego county credit repair
ERA Credit Services

Backed by an A+ Rating and Accreditation
by the Better Business Bureau

Backed by a certification from the
National Association of Credit Services Organizations

certified credit repair Tampa

Keller Williams          Movement Mortgage

Century 21     Wells Fargo Home Mortgage

American Express Open

Credit Repair Partners
for Agents and Brokers
in these Companies
and More!

But Here’s What’s Really Important to Know

We dispute all your negative items immediately. Most companies do not. Most companies will purposely extend the time it takes to remove negative items from your credit report because they like your monthly fees.

Our goal is to get you the highest credit score as quickly as we can

While we are removing negative items from your credit report you are going to learn positive credit habits. We give you an online tool call Credit Builder. Credit Builder will show you multiple things you can do to increase your credit score.

infoarmor

We Provide All Our Clients
with Identity Theft Protection
from InfoArmor

You Immediately have accurate
Online Credit Monitoring
with Smart Credit

You can Log In Online and See all the Services You Have
and Monitor the Progress of Your Credit Repair

No One Else Provides the Services We Do
and the Ease of Access to the Progress of Your Credit Score

To get started it’s a one-time $99 Activation and Just $89/month
for as long as you need the service.

That means you call the shots. Once you have achieved your goals, call us up and we’ll cancel your service

Call us today for a Free, no obligation phone consultation
to assess your specific situation and design a plan of action just for you.

We provide Discounts for multiple family members

Customer Support in English & Spanish

San Diego County Credit Repair
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.
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San Diego County Credit Repair
Financial Fitness Program

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

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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

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Debt Reduction for Overall Financial Fitness

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

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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

San Diego Credit Repair

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