Tag Archives: credit repair company

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 [email protected]

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.

Repair Credit Now – Fast & Effective

Repair Credit Now – Fast & Effective

Today our credit score is like a vital sign of our financial health. A low credit score can cost thousands of dollars in higher interest payments and deposits. And, can prevent us from buying a home, refinancing a home and generally moving our lives forward. So what can we do? What most people don’t know is that they can repair credit.

Certainly people can repair credit on their own. Just as they can represent themselves in court, paint their own home, or install their own carpet. The credit bureaus would like you to think that you can repair credit directly through them yourself. But most that attempt it aren’t successful because it requires expertise. It must be done via the Fair Credit Reporting Act. If it is not, the credit bureaus can reject it outright.

That’s where a professional credit repair company with years of experience and legal expertise comes in. Our company has helped over 250,000 clients since 2004 repair credit. We are experts at removing derogatory items from a consumer’s credit report.

However, we also educate the client on what they can do to increase their score as well. This knowledge will benefit them for the rest of their lives. In addition, we protect a client’s credit score with identity theft protection. We provide our clients with real-time online credit monitoring so they can see the progress of their credit score.

Our clients see results in most cases in as little as 60 days. We continue to repair credit until they have reached their ultimate credit score.

What consumers need to understand is that their credit score won’t fix itself. If they have the time to learn how to repair credit themselves then that’s what they should do. However, if they want a professional to repair credit for them for a one-time activation fee of $188 and just $89/month, then they need to call us.

repair credit

Repair Credit Now – Fast & Effective
Credit Repair Companies – How to Pick the Best One

Credit Repair Companies – How to Pick the Best One

When you look for credit repair companies on the internet it may be overwhelming. There are 10 credit repair companies listed on the 1st page of Google. Do you just call the 1st company listed? Do you call all of them?

What if you new some questions to ask when you visited these credit repair companies websites and/or called them? Wouldn’t that make it easier? Below is a list of questions to ask and the reason why you want to ask each question.

Questions to Ask Credit Repair Companies

  • How long have you been in business?

Experience and track record in the credit repair industry is critical to success for you as a client. Unlike in real estate or the mortgage industry there is no licensing required in credit repair. Therefore, just because a company is listed on the front page of Google doesn’t mean they’re good at what they do.

  • Are you accredited and what is your rating with the Better Business Bureau?

A BBB accreditation and high rating is a great indicator of a solid company. If credit repair companies often don’t do a good job consumers will submit complaints to the BBB. You can actually visit their BBB page and see complaints, if any. If a company isn’t accredited and rated by the BBB stay away.

  • Are they certified by the National Association of Credit Services Organizations (NACSO)?

For many of the same reasons as above a NACSO certification will give you peace of mind that do a good job for their clients. Typically, only established, experienced credit repair companies will have a NACSO certification.

  • Do they dispute ALL derogatory items on your credit report immediately?

Understand that most credit repair companies do not. They only challenge or dispute one or two items at a time. This prolongs the time it takes to get you a result and costs you far more money. If they don’t address all your items immediately find another credit repair company that does.

  • Do they make recommendations and coach you on what you could be doing to increase your credit score?

Credit repair is an effective means to increase your credit score. But you should be made aware of what you can do to impact your credit score now and for the future. If they can’t or don’t do this you aren’t working with the one of the best credit repair companies.

These are the main questions to ask when looking for credit repair companies to work with.

If you call our company we answer these questions on the phone right away.

  • We have a track record since 2004 and have assisted over 250,000 clients in increasing their credit score. And, we help clients in all 50 states.
  • We’re backed by an A Better Business Bureau rating and are accredited by the BBB.
  • At ERA we are backed by a NACSO certification.
  • Every negative item we find on your credit reports will be addressed right away to get you results in as little as 45 days.
  • We’ll make recommendations and coach you on how to have the highest credit score possible.

So, give us a call. We have proven time and time again that we are one of the best credit repair companies in America today.

We offer a free, no obligation consultation on your specific situation.

We’ll explain fully how it all works .

We’ll give you an honest assessment on the time frame it will take for you to remove negative items from your reports.

And, we’ll give you a fair price for the best credit repair service in the country.

Book a Phone Appointment Right Now!

Or visit the Credit Repair page on our website to read more about our specific services.

Tips on Choosing a Credit Repair Company

You may already know that attempting to clear derogatory items from your credit report is not only possible, but it’s your right as a consumer through the Fair Credit Reporting Act. Erroneous, inaccurate and outdated items can cause your credit score to plummet which can keep you from getting a home loan, car loan or even a credit card. Even items that are more recent and are accurate can be removed if the creditor does not respond to your dispute. But how do you choose a credit repair company to help you?

choose a credit repair company

Consumer Disputes Have Very Low Success Rates

In theory a consumer can dispute these items without any assistance from a credit repair company. The chances of success are very low however. There are several reasons why. You must know the process, know what to put in the letter, know the correct dispute code, and know what to do if the creditor and credit bureau responds stating there will be no change on your credit report. Most often an individual doesn’t have the time to learn the process and continue it through to a successful conclusion.

That is why it’s important to choose a credit repair company that is reputable. They will draft letters on your behalf with the correct dispute code and continue the dispute process for up to a year. They have the expertise and experience to overcome difficulties a creditor may present in the process. And, they will follow through on the process as they have professionals overseeing your account.

How to Choose a Credit Repair Company

However, because of the number of people in need of credit repair a myriad of companies have popped up in the last year or two. Some of these companies may have the ability to successfully help a client but some are run by individuals who have purchased a software program and are suddenly in the credit repair business. There are also stories of consumers getting charged a significant fee only to never hear from the company again.

If you are looking to choose a credit repair company, follow these simple tips. And remember, success leaves clues. If the company of individual you are talking to doesn’t seem legitimate follow your instinct.

  • The company should be in business for 2 to 3 years or longer. If not, that could mean they just recently started in order to take advantage of the need in the marketplace.
  • They should have a Better Business Bureau rating. And that rating should be at least an A.
  • They should have accreditation from a third party national credit services organization. One such agency is the National Association of Credit Services Organizations.
  • The person selling you the service shouldn’t be the person handling the dispute process. If they are that means they are a very small, perhaps one woman/man operation and your account may get buried if they get busy. Also, there is no accountability if something happens to this person.
  • The fee should be reasonable. You should not have to pay more than $500 for a thorough credit repair service from a reputable company. Note- some services seem reasonable because they charge a low fee to remove each derogatory item. However, won’t they may not tell you is that each item must be removed from each of the 3 major credit bureaus. So, if someone has 6 derogatory items on each of the 3 credit bureau reports, and the company is charging $50 per item, that’s going to cost $900.
  • The company should offer a customer satisfaction guarantee.
  • The individual or company should explain that some items, most in fact, will not be deleted from your credit report on the first dispute. In some cases it takes several attempts. They should commit to at least 3 attempts. 5 is optimum.
  • The individual or company should be able to show you examples of success they have had with other clients.
  • There should be a way for you to monitor the progress of your credit repair process online.
  • The individual or company should draft the dispute letters on your behalf but the letters should be sent to the credit bureau by you. You are the one that needs to dispute your items. It becomes far less effective if the letters are not signed by, and sent by you.

If You are Going to Choose a Credit Repair Company
We Hope You Choose Us!
Click to Learn About ERA Credit Services