Credit Repair by Experienced Professionals - ERA Credit Services

We provide our clients with the fastest, most effective credit repair service in the country!

"ERA Credit Services is a solid choice for credit repair services. They have some of the most innovative features out of the companies we looked at, and their packages allow for unlimited reviews, month-to-month contracts, credit monitoring, and more. As a result, they are a strong contender to be included in our list of the best credit repair companies".
- Review by

"I just wanted to say thank you! My credit score has already increased by 69 points (31 days). I'm now at a 609. I am just so happy. I am going to highly refer you. I am so thankful. It was definitely worth the investment at such a low cost."
Heather Pappas- St. Petersburg, FL

"When I glanced at my score I couldn’t believe it. I was shocked. I personally needed some good news because people I knew have died of Covid. My score went up 100 points!!! I needed this and thank you."
Rahsann Johnson- Torrance, CA

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Voted Best Credit Repair Companies in Tampa and San Diego
Serving clients around the U.S.

Credit Repair Companies in Tampa
Best San Diego Credit Repair Companies

CLEARWATER March 14, 2022 -- ERA Credit Services has been selected for 2022 Best of Clearwater Award in the Financial Services category by the Clearwater Award Program.

Each year, the Clearwater Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small businesses through service to their customers and our community.

How Does Credit Repair Work?

Can Credit Repair Work for You?
What Exactly Do We Do to Increase Your Credit Score?

Take 20 Minutes & Watch This Video

Start Repairing Your Credit in Just 15 Minutes for Less Than $3 a Day!

Get a Free Consultation and Assessment of Your Specific Situation

Credit restoration is not a one-size-fits-all service. Your credit report is unique to you. In many cases, our clients benefit from our other credit building services as much or more than from simply removing derogatory items. That is why we want to speak with you, assess your situation, and provide a solution that's right for you.

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. If you'd like to avoid phone tag use the 2nd option below and book a specific time that is most convenient for you. Thanks!

Clearwater - Ft. Myers - Jacksonville

Orlando - San Diego - Tampa

and Nationwide

Click below to Choose the Day & Time You'd Like Us to Call

Please Note- Appointment Calendar is Set for Eastern Standard Time 

Credit Repair by Experienced Professionals

Did you know that in nearly all states there are no license requirements to perform credit repair services? That means that someone could advertise themselves as a credit repair professional but have no experience or expertise. ERA Credit Services and its partners have been helping people improve their credit scores since 2004.

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 to Build 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. 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%).

Are You a Renter of a Home, Apartment, or Condo?

If you make monthly rental payments we can add them to your Transunion and Equifax credit reports. In fact, we can go back as far as 24 months and add all those payments that you've made. This will impact new accounts (10%), type of credit (10%), and your credit history (15%). We have seen some client credit scores improve 30 to 50 points in just 30 days.

Build Your Credit With the Best Secured Credit Card Program

Many people share that they don't have a credit card because of past mishaps and we appreciate that decision. However, using a credit card responsibly has a major impact on your credit scores. Some clients do not have a current credit score high enough to get a traditional credit card. That's not a problem. We offer the very best secured credit card that requires no credit check, has a flexible limit that you control from $0 to $10,000, and offers cashback on all your purchases. There is a 99% approval rate for this card and we will teach you how to use it responsibly.

Do You Have Student Loan Debt?

Student loan debt can have a negative impact on your debt-to-income ratio making it more difficult to qualify for a loan. If a student loan is in default it can prevent you from getting a loan altogether. We offer a student loan debt relief program that allows you to discover all the government programs available to you that can potentially reduce the amount you owe and lower your monthly payment. In some cases, you can have a defaulted loan paid off and replaced with a new loan that shows as a positive on your credit report.

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. In addition, our highly trained Customer Support team is available for any questions Monday through Friday 9 am to 5:30 pm Eastern.

Learn How to Maintain Your Good Credit Score

We don't just provide a service to help your credit score. We teach you some very simple positive credit habits. This knowledge will not only help you maintain that good credit score but will help you build upon it in the future.

Learn About Our Credit Repair Service - Just $3/Day

How Our Professional Credit Repair Services Work
5 Easy Steps

At ERA Credit Services, we offer an extensive, affordable, and all-inclusive approach to help maximize and improve your credit score. And best of all, we make it easy! Follow these 5 easy steps. Let our experienced professionals take the frustration away and implement our credit repair services.

Step 1

Look below and click 'Book a Phone Appointment'. You are then called on the day and time you choose. We will assess with you what your specific situation is to determine if credit repair is right for you and explain the process and the services we provide. We can then enroll you in our services over the phone for less than $3/day.

Step 2

We analyze your credit reports and upload your information to a password-protected online account so you can log in 24/7 and monitor the progress of your credit repair services. Your credit reports will be thoroughly evaluated and accounts that are harming your credit will be identified and included in dispute letters for each credit bureau (Equifax, Experian, and Transunion).

Step 3

The letters will be sent to you for your review and approval. If no modifications are required, you will sign them and send them directly to the credit bureaus.

Step 4

Sit back and wait for results. You will receive updated reports from the bureaus on a continuous basis. It is important to forward each updated report to us so we can track which items were removed successfully and look for possible new derogatory information. We will automatically send revised dispute letters to you every sixty days.

Step 5

Utilize your entire Credit Repair Plan. Protect your identity, learn how to pay down debt, and use many other valuable tools to put you in the best financial situation possible. Our Customer Support staff is happy to provide additional information to improve your credit score and help to build and maintain your credit file. We are committed to providing you with every assistance possible to help you reach your credit score goals.

Book a Phone Appointment With Us

Please Note- Appointment Calendar is Set for Eastern Standard Time 

ERA Credit Services is an Independent Agency representing a 501(c)(3) non-profit organization that provides credit repair and other services to our clients. We do not directly provide services or accept funds from clients for credit repair services.