build positive credit Archives - ERA Credit Services

How to Build Business Credit
With or Without Good Personal Credit

Dale GuiducciAugust 27, 2021

If you own a business, establishing business credit has benefits. By separating personal credit from business credit, you protect one of the main reasons to establish a corporation which is to protect your personal liability. Also, you'll typically ...

Business FundingCredit Repair

Does Paying Rent Build Credit? Now It Can

Dale GuiducciJuly 15, 2021

Like many renters you may be wondering, does paying rent build credit? After all, monthly bills are typically included on our credit reports with the "big 3" credit reporting agencies, (Experian, Equifax, and Transunion). But until now the biggest...

Credit Repair

4 Ways to Rebuild Credit Fast

Dale GuiducciNovember 19, 2020

Improving a credit score for the long term requires good credit habits. Developing these habits requires discipline and patience. But once you develop a habit it becomes easy. We're going to share some of those habits as well as give you some tool...

Credit Repair

How to Build Credit by Paying Rent

Dale GuiducciNovember 11, 2020

If you pay rent for a home, condo, or apartment, typically that's your biggest expense every month. But up until recently, you didn't get credit on your credit report for being on time with your rent payment each month. In fact, the only time you ...

Credit Repair

Should You Fix Your Credit in a Bad Economy?

Dale GuiducciOctober 5, 2020

The Coronavirus has deeply impacted the U.S. and world economy. Millions have lost their jobs and tens of thousands of companies no longer exist. In addition, as I write this, we are just a few weeks away from the 2020 elections. Considering the e...

Credit Repair

First Time Home Buyers
with a Low Credit Score

Dale GuiducciSeptember 14, 2020

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 do...

Credit Repair

How Important is Your Credit Score in Retirement?

Dale GuiducciMarch 7, 2020

You may be years away from retirement but if you're 50 or over, now is a good time to think about your credit score. In this article, we'll talk about why you need a high credit score as you get older and in retirement. And, we'll discuss ways you...

Credit Repair

Boost Your Credit Score

Shirley GuiducciSeptember 11, 2019

Boost Your Credit Score by Adding Positive Accounts Most people don't realize that there are many ways to boost your credit score. Removing negative accounts from your credit report will increase your credit score. And, we can help you with the be...

Credit Repair

How to Use Credit Cards
to Build Credit Score

Dale GuiducciApril 14, 2019

People fall into 2 major categories. Those with credit cards and those without. Whether you're in one or the other you need to know that credit cards are an essential element in improving your credit score. So, let's talk about how to use credit c...

Credit Repair

Best Credit Repair Services

Dale GuiducciMarch 21, 2019

For more than 11 years I've been on a mission to tell people about what we do. That we offer not only credit repair but a package of the best credit repair services to work on 100% of their credit score. Understanding the distinction requires a bi...

Credit Repair