good credit habits Archives - ERA Credit Services

Credit Scores Will Likely Decline in 2021

Dale GuiducciJanuary 3, 2021

If you put the pandemic aside and look at current economic indicators, it seems that consumers are in a good position heading into 2021. The real estate market remains red hot with offers coming in over the asking price. Experian, one of the Big 3...

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

Healthy Credit Score
The Vital Sign of Your Financial Fitness

Shirley GuiducciSeptember 10, 2020

When we go to the doctor, the first thing they do is check our vital signs. Blood pressure, pulse, and blood oxygen levels. Every time. In effect, what they are doing is checking our hearts. Without a healthy heart, it's impossible to have physica...

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

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

Getting a Mortgage with Bad Credit

Dale GuiducciJuly 22, 2015

In attempting to get a mortgage with bad credit the 1st step is to determine what credit score you'll need. As of July 2023, US Bank suggests that a minimum of a 620 credit score is required to qualify for a home loan. If you do not have a 620 or ...

Credit Repair

Tips on Maintaining a Good Credit Score

Dale GuiducciJuly 11, 2015

10 Tips on Maintaining a Good Credit Score Below is some great information for every consumer on first getting, and then maintaining a good credit score. Monitor Your Credit Report First, in order to know if you have a good credit score, enroll in...

Credit Repair