Credit Repair by Experienced Professionals
Did you know that in the credit repair industry there are no state or federal license requirements? That means that someone could advertise themselves as a credit repair professional but have no experience or expertise. ERA Credit Services and it’s partners have been helping people improve their credit score since 2004. We are backed by an A+ rating with the Better Business Bureau. We are also backed by a certification by the National Association of Credit Services Organizations.
How We Are Different
We Work on All Your Items Immediately
Most credit repair companies will not address all the negative items on your credit reports immediately. Instead they address 1 or 2 at a time delaying the process intentionally. This causes you to pay them more monthly fees and costs you more money. We challenge every negative item on each of your 3 major credit reports within the first week of service.
We Work on 100% on Your Credit Score
Credit repair is the process of removing negative items from a credit report using federal consumer protection law. This helps your “Payment History”. However, payment history only accounts for 35% of your overall credit score. In addition to credit repair we work on 100% of your credit score at no extra charge. It’s just part of what we do for our clients. If necessary, we will work with you to add new accounts (10%) impacting the type of credit (10%) you have. We also can coach you on how to pay down existing balances (30%) with the same amount of money you currently use to pay your monthly bills. And finally we’ll have the ability to add accounts going back up to 2 years which will add to your credit history (15%).
You Can Monitor the Progress 24/7
We feel that it’s important for you to be able to monitor what’s going on with your credit repair progress. We give you a secure, password protected online account so you can see what’s being worked on and when those items are removed.
You Learn How to Maintain Your Good Credit Score
We don’t just provide a service to help your credit score. We educate you on how to keep that good credit score and build upon it for the rest of your life.