A Financial Makeover that Includes FREE Credit Repair!

Everyone wants to improve their credit scores. Of course! When you improve your credit score, you can save money on interest payments, insurance premiums, and more. And you can qualify for loans, mortgages, credit cards, etc. We get that and appreciate why everyone is hyperfocused on their credit scores.

However, there's a reason why people have low credit scores. That reason is usually related to overpaying for goods and services, not having enough income and savings, and not having a strategy to make their money grow. So to just help people improve their credit score is like changing the oil in their car when there are problems with the engine that will eventually cause it to fail.

In addition to helping people with their credit scores, we want to help them save more of the money they earn, grow that money, and learn how to protect it long-term.

"Credit is the gateway to debt and debt is the pathway to poverty! As long as you're paying interest that's money you can never save, invest, or pay yourself."

-Brian House, CEO of MWR Financial

We Give You a Complete Financial Makeover for $99.97/month

This Financial Makeover helps clients make, save, and grow their money. You will have a team of financial experts to lower your taxes, monthly expenses, and debts while increasing your cash flow, credit scores, and investment income...All at The Same Time!

Please keep in mind that you do not have to be or become a financial expert because our licensed financial experts do all the work for you! See how our FinancialEdge Membership can save our clients far more than the cost of the membership!

"I wanted to share my experience with Instant Pay Raise (part of the FinancialEdge Membership). For federal taxes, I was paying (withheld) $800 per check, $1600 per month. My corrected W4 will now be updated to reflect $331 per check for 2022. Wow! I will now bring home an additional $470 per check, $940 per month. What a blessing!" Racquel B - Fate, Texas

"I had participated in the company Bill Shredder Program by uploading my cable, cell phone, and security system bill.  In about a week, I received a text congratulating me on a monthly savings of $384.03 a month. Can you believe it??? I am so excited to share this information with anyone I can!" Natalie J. - Jacksonville, FL

Money-Saving Strategies

Our first goal is to help you save money in several different ways. We want to help you shift some of the money that you're currently paying to the government and big businesses back into your bank account. Having more money will help ensure that your bills get paid on time and that you'll be able to keep a high credit score.

Tax Deduction and Tax Savings Strategies

You'll have access to tax deduction strategies that include unlimited advice on-demand with top-rated CPAs (Certified Public Accountants), CFPs (Certified Financial Planners), and enrolled agents with the IRS.

These experts will help you stop overpaying your taxes. This includes a review of the last 3 years of your tax returns to see if you can recover any overpayments. The result is tax savings shifted back to you from the government.

Monthly Bill Reduction

Our team of professional bill negotiators will work on your behalf to lower your regular monthly bills. Bills like your cell phone, cable or satellite, security monitoring, internet, utilities, and a lot more. You will not have to change plans or service providers. You'll keep the exact same services that you have now. The result is money shifted back to you from big business.

Debt Elimination Strategies

Our experts will implement a debt elimination strategy for you to eliminate all of your debts, including your mortgage, in record time. And you will not pay more than you do right now. You'll get a detailed monthly plan of action to accelerate your payoff dates and interest savings. The result is debt payments shifted back to you from the banks and big businesses.

Credit Restoration

Over 80% of Americans have a lower credit score than they could have. And it isn't entirely their fault. It's caused by inflation and overpaying taxes and monthly expenses. We find ourselves financing our lifestyle instead of ever being able to own it.

Keeping your credit score as high as possible will allow you to lower your interest rates, monthly payments, and insurance premiums.

Our credit restoration experts can do this for you by helping you restore, enhance and rebuild your credit. And you'll have access to everything you need to order, monitor, and protect your credit.

These credit strategies have already helped over 100,000 satisfied customers experience an average credit score increase of 50 to 150 points or more in as little as 2 to 8 months. *Data furnished by MWR Financial. See more results below.

Higher credit scores will allow you to have interest savings shifted back into your bank account.

"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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Wealth and Asset Accumulation Strategies

After using the money-saving strategies outlined above, it's then time to turn these savings into passive streams of income.

Our experts will provide you with ways to save, grow and protect your money tax-free with little to no risk of loss. They use high yield investment strategies that have been used by the wealthy for decades.

You'll have access to your own personal team of wealth experts that can analyze your current savings or investment portfolio, and/or design a wealth plan that's best for you.

These strategies include:

Self Banking Private Reserve Accounts
Land Banking
Real Estate Investments

Remember, our experts do all of this hard work for you. The result is that your money grows and works for you.

You'll have your own team of financial experts where you can get confidential and compliant results provided by licensed and qualified experts.

Start Your Financial Makeover Today for just $99.97/month!

That's less than what some companies charge for credit repair alone...
AND it includes a spouse or significant other!!

"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 CreditRepairReview.co

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

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

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 2012.

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.

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 Credit Restoration 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.

Book a Phone Appointment With Us

Please Note- Appointment Calendar is Set for Eastern Standard Time 

ERA Credit Services is an Independent Agency representing MWR Financial. We do not directly provide services or accept funds from clients for credit repair or credit restoration services. MWR provides our clients with a Financial Makeover for $99.97/month.
Credit restoration, if needed by the client, is provided free of charge.