Category: First Time Home Buyers

Best Credit Repair Solution – Fix 100% of Your Credit Score

Best Credit Repair Solution – 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 solution 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 solution is to work on 100% of your credit score. What if also 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 services of these other companies to work on 100% of your credit score. Therefore, we give you the best credit repair solution 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 solution for the same price other companies charge for credit repair alone.

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 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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St Pete Credit Repair

St Pete Credit Repair

The city of St. Petersburg, FL is one of the hottest areas of the country to live. The downtown area along with the museums, the parks, the beach all make it a destination for young and old. But to live in St. Pete, whether you rent or buy a home, you need a good credit score. If you need help increasing your score work with the best local company for St Pete credit repair.

ERA Credit Services – St Pete Credit Repair

Our office is in Clearwater but we service all of the Tampa Bay Area. We are backed by an A+ BBB rating. And, we are backed by a certification by the National Association of Credit Services Organizations.

The ERA Credit Services Difference

  • We aggressively use Federal Law to remove as many negative accounts as possible immediately. Many companies purposely slow the process down to get you to pay more monthly fees. Our goal is to provide you with the highest credit score as quickly as we can. That’s why we are recommended by many St. Pete and Tampa Bay real estate and mortgage professionals.
  • Credit repair is a great service and we are that best at it. But there are many other ways to help you increase your credit score. We consult with you on what can be done other than just credit repair to increase your score. Our suite of services are free of charge with our credit repair service.
  • You are provided a secure online portal to monitor your progress and view our utilize our other services.
  • You are given a Customer Support number to get live support 8 am to 8pm Monday through Friday Eastern time.
  • For St Pete credit repair you can ‘Book a Phone Appointment’. This is a free, no obligation consultation. You tell us what your goals are and potential issues on your credit report. We fully explain our services and how credit repair works including pricing. Then you make an informed decision. There’s never any pressure or sales tactics.

Credit Repair in St Pete – Book a Phone Appointment With Us Right Now

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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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.

Let’s Make Sure We Can help You

Does this sound like the plan of action you need? Then click below and ‘Book a Phone Appointment’.
Pick a day and time that fits your schedule. We’ll call you at that time.
We’ll talk about the specifics of your situation. We’ll explain exactly what we do.
Then you decide if working with us if your best plan of action.

Call Us for Clearwater Credit Repair at 727-222-0120

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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Clearwater Credit Repair
Credit Repair Services on Steroids!

Credit Repair Services on Steroids!

Tampa StPete Clearwater ERA Credit Services

Credit Repair Services Can Be the Key to Home Ownership

Credit repair works really well. But credit repair alone may not get someone’s credit score to where they need it to be to qualify for a mortgage. The right type and number of positive trade lines is also necessary. Along with the right debt to limit ratios. If you want the job done right the first time, you want other credit repair services!

Most people that are excited about owning a home don’t see past buying a home. They forget about property taxes, maintenance costs, and other expenses that they didn’t have as a renter. A few years down the road the newness of owning a home wears off. Now they get concerned about other things like college expenses and retirement.

Our Credit Repair Services Help You Beyond Just Credit Repair

Credit Score Education – Know exactly what you can do to have the best score possible

Online Budgeting Tool to help you save as much money as you can for the future

Online Debt Payoff System helping you pay down balances and get out of debt faster

Identity Theft Protection – don’t have your score affected by thieves

A Credit Attorney to deal with the Bureaus if needed

Accurate Online Credit Monitoring

Don’t Pay for a Service That Doesn’t Do the Whole Job

Click the box above.
Pick a day and time that works for you.
We’ll need about 30 minutes.
We’ll talk to you about YOUR SITUATION.
We’ll give you reasonable expectations and time frames
Is it worth $89/month for a short term to own that home for the long term?
You’ll have everything you need to make the best decision

ERA Credit Services has been serving clients since 2012. We are proud to say that many of your clients are referred to us by real estate agents, mortgage professionals, bankers, the Chamber of Commerce, and other professionals. We’ve won their trust. Let us win yours!

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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First Time Home Buyers with a Low Credit Score

First time home buyers with a low credit score can purchase a home. However, it depends on how low the score is. FHA guidelines for first time home buyers allow a credit score as low as 580 with a 3.5% down payment. For those with a lower score the guidelines call for a 10% down payment.

However, even though the FHA has these guidelines lenders don’t typically follow them. They require as high as a 640 credit score to get the 3.5% down payment. The reason lenders require a higher down payment is that the FHA penalizes them for too many bad loans. Therefore lenders are protecting their ability to offer FHA programs long term.

First Time Home Buyers Low Credit Score – Reasons

There’s more than one reason why someone may have a less than 580 credit score. Younger people simply may not have established enough positive credit. They have clean credit report but not enough on the credit report. This person would be wise to use an FHA loan to purchase a home if they have the income.

Some people that have a sub 580 credit score have a lot of negative items. They may have just fallen on bad times in the past. This person should go through the process of repairing their credit. This would increase their score and lower the interest rate on the loan.

However, there is a category of people that need to budget themselves first. Diving into a $200,000, give or take, mortgage when they are struggling to pay bills now is not a good move. They need to stabilize their financial situation before taking on further debt. This is true even if their mortgage payment is less than their rent payment. If you don’t pay your mortgage you can lose your home.

If you fall into any of these 3 categories we can help. We have services to help people build credit, remove negative items from their credit report, and budget themselves and otherwise stabilize their finances.

Call us on the East Coast at (727) 222-0120
Call us on the West Coast at (619) 492-3040
or visit us at www.ERACreditServices.com 

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First Time Home Buyers with a Low Credit Score

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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Do You Need Qualified Clients to Close More Business?

If you’re in a profession or industry such as real estate, mortgage, auto, banking, solar or other situation where you need qualified clients with a good or specific credit score for financing, this article can help you close more business and earn more money.

qualified clients

What Do You Do With Unqualified Clients?

You talk to people on a regular basis that do not have the credit score necessary to qualify to be your client. What do you do with them? We have found that in many cases, professionals in the industries listed above would rather just move on to find someone that can qualify instead of trying to help someone that can’t. If it only took you 10 additional minutes or less to help these people why not do both? In other words, take 10 more minutes to assist your unqualified client to see if they can become qualified in the future, and then move on to find someone that qualifies now.

How do you do that? How can you help someone that can’t qualify due to a low credit score become qualified? By developing a relationship with a trusted credit repair professional that has a stellar track record of helping people raise their scores. All you have to do is say to your unqualified client that you’re getting ready to lose, “I know someone that can potentially help you. Would you like me to give them your information and have them contact you?” That’s it. It’s actually less than 10 minutes of your time.

Upsides and Downsides of Partnering with a Credit Repair Company

What’s the downside? Assuming it’s a reputable credit repair company and they have proven to previously have helped thousands of people, the only downside is that this client isn’t a candidate for credit repair, or the client goes somewhere else to buy your product or service once their score is higher because you didn’t stay in touch with them.

What’s the upside? The credit repair company you chose has a system to keep you informed of the progress of your clients score improvement allowing you to know when to call them back. You, of course, do so and you close a transaction with someone you otherwise would have lost. All for an investment of less than 10 minutes of your time.

We Help You Have More Qualified Clients

When business is good we sometimes lose sight of these type opportunities to build our pipeline of future business. But this is so easy and time efficient it truly is something everyone in a credit related industry should do.

If you are looking for a trusted company with a proven track record and an A+BBB rating visit ERA Credit Services . We work with professionals all over the U.S. helping their unqualified prospects become qualified clients, and helping them close more business.

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