Category: Financial Fitness

San Diego County Credit Repair

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

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 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
<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

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

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

Fix Your Credit Through the Credit Bureaus

All 3 major credit bureaus (Experian, Equifax & Transunion) give consumers the ability to fix your credit and dispute derogatory or negative trade lines through their websites. This is required by the federal government. However, because the credit bureaus give us the ability to do this doesn’t mean they are an advocate of the process. Know that they are not working on our behalf to help us clean up our credit reports. Fix Your Credit

Here is why and its basic logic. The credit bureaus do not generate revenue or make a profit by addressing negative items on our credit reports. Even if those accounts are erroneous or obsolete. This process is a huge expense for these companies. It’s simply a downside of their business. Therefore they are not going to make it easy to fix your credit.

Steps To Fix Your Credit

Prove Your Identity

First, they are going to require that you prove your identity. If you cannot prove you are who you are they are not going to allow you to submit a dispute. There is actually a very valid reason for this, identity theft. The bureaus are not going to send updates on your credit report giving out personal financial information to someone that they are not sure is you. Therefore, be prepared to answer random questions that will give the bureaus enough information to validate that you are who you say you are.

Provide a Valid Reason for Disputing Accounts

Then you will have to provide a valid reason for the dispute. What is valid to you is not necessarily valid to them. For instance, because you co-signed for a loan or credit card for someone and they didn’t pay is not a valid reason to have the item removed from your credit report. Nor is being deployed on active duty in the military, or going through a divorce. There are valid reasons for disputing an item such as, the account wasn’t yours. But the credit bureaus are not going to publish this information. This is further evidence that they want to make it as difficult as possible for consumers to fix your credit.

Don’t Give Up After One Dispute

You may be successful in submitting a dispute through the credit bureau website or writing a letter on your own. But you may also receive a letter from the bureau verifying the accuracy of the account on your report and thus stating that the information will remain unchanged. If that happens don’t give up! This is the biggest mistake consumers make when trying to dispute items on their own. Dispute it again. Make the credit bureaus contact your creditor and have that creditor respond again. Do it several times. In some cases when the creditor sees that you are not giving up they will simply not respond to the bureau(s). When this occurs the item must be deleted from your report.

A Professional Service Can Save Lots of Time and Frustration

As you can tell this is a lot of work and most of the time leads to failure and frustration. Many consumers make the decision to pay for a professional company with a good track record to go through all of this for them. Companies that have been in business for several years know exactly how to navigate through this process. They use the proper dispute reasons and codes. And, they submit acceptable proof of identification, and will not give up.

If you decide that your time is worth far more than trying to fix your credit on your own give us call. We have been in business since 2004, have helped over 250,000 people, work in all 50 states and have an A+ BBB rating. For a one time activation fee of only $99 and $89/month we will work on all 3 bureau reports and dispute as many items as you have immediately. We also give you online access to view your items and see the progress we are making on your behalf.

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