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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 info@eracreditservices.com

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.
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San Diego County Credit Repair

ERA Credit Services is the Clear Choice for
San Diego County Credit Repair

Serving San Diego County
Credit Repair Clients
Since 2012

san diego county credit repair
ERA Credit Services

Backed by an A+ Rating and Accreditation
by the Better Business Bureau

Backed by a certification from the
National Association of Credit Services Organizations

certified credit repair Tampa

Keller Williams          Movement Mortgage

Century 21     Wells Fargo Home Mortgage

American Express Open

Credit Repair Partners
for Agents and Brokers
in these Companies
and More!

But Here’s What’s Really Important to Know

We dispute all your negative items immediately. Most companies do not. Most companies will purposely extend the time it takes to remove negative items from your credit report because they like your monthly fees.

Our goal is to get you the highest credit score as quickly as we can

While we are removing negative items from your credit report you are going to learn positive credit habits. We give you an online tool call Credit Builder. Credit Builder will show you multiple things you can do to increase your credit score.

infoarmor

We Provide All Our Clients
with Identity Theft Protection
from InfoArmor

You Immediately have accurate
Online Credit Monitoring
with Smart Credit

You can Log In Online and See all the Services You Have
and Monitor the Progress of Your Credit Repair

No One Else Provides the Services We Do
and the Ease of Access to the Progress of Your Credit Score

To get started it’s a one-time $99 Activation and Just $89/month
for as long as you need the service.

That means you call the shots. Once you have achieved your goals, call us up and we’ll cancel your service

Call us today for a Free, no obligation phone consultation
to assess your specific situation and design a plan of action just for you.

We provide Discounts for multiple family members

Customer Support in English & Spanish

San Diego County Credit Repair
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.
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San Diego County Credit Repair
San Diego Credit Repair

San Diego Credit Repair

San Diego Credit Repair
A Complete Plan to Increase Your Score

If you face challenges with your credit score you may search online for a solution and call a credit repair company. All San Diego credit repair companies will tell you that they’ll attempt to remove negative items from your credit report. But will they address all derogatory items immediately? Will they give you online reporting to so you can monitor the progress of your account? And, will they provide other services to help increase your credit score? These are the questions you should ask. But we already know that the answer is “no”.

Your credit score is not just based on negative items on your report. You need an overall credit score plan that will impact every aspect of your credit score. We analyze your reports with all 3 credit bureaus (Equifax, Transunion, Experian). We then provide you with a credit score plan that includes our A+ Better Business Bureau rated credit repair service to maximize your credit score. And, you can track it all online, 24/7.

If You’re Rushed for Time Watch a Brief Video on San Diego Credit Repair

The San Diego Credit Repair Plan

We give you a full and complete credit repair plan. We start with credit repair. We’ve been a top rated San Diego credit repair company since 2012. We have become the company of choice for real estate companies, mortgage companies and banks for credit repair in San Diego.

Online Reporting 24/7

We give you on online account so you can see the progress of what we are doing. You’ll see the negative items we are working on for you. We dispute all your items immediately unlike other companies that want to prolong your service with them. Because we get the majority of our business from referrals from business professionals we need to act as quickly as possible.

A Credit Repair Plan of Action – Credit Builder

What about other steps you can take to increase your score? We give you a plan of action called Credit Builder to increase your credit score now. This knowledge will help you for the rest of your life so you can always have the best credit score possible.

Real-time Online Credit Monitoring

You need to see your credit score and be able to access your credit reports 24/7. How else will you know if credit repair is working? Free services like Credit Karma do not give you all 3 credit bureau reports. Nor are they reported in real-time. We give you that.

Identity Theft Protection

We then protect your identity through LifeLock. Why? Because as you increase your credit score you become a higher risk to have your identity stolen. That would disrupt any plans of buying a home, getting a business loan, buying a car, etc.. We prevent that from happening.

Debt Utilization

What about your existing debt? Debt utilization is a major factor in calculating your credit score. If appropriate, we give you a plan to pay down that debt using the same amount of money you currently use to pay debts now. Not only does it increase your credit score but you save thousands, potentially tens of thousands of dollars in interest.

Selective Credit Score Services

If you currently are a renter of a home or an apartment we can talk to you about adding your monthly rental payment to your Transunion credit report. This will add another positive account to your history this increasing your score. We also have a secured credit card program if you need help adding positive accounts or what’s called trade lines. The more positive accounts you can show the higher your credit score will be.

Let’s Make Sure We Can help You

Does this sound like the plan of action you need? Then click below and ‘Book a Phone Appointment’.
Pick a day and time that fits your schedule. We’ll call you at that time.
We’ll talk about the specifics of your situation. We’ll explain exactly what we do.
Then you decide if working with us if your best plan of action.

This post was originally published in January of 2017 and was been updated for freshness, accuracy, and comprehensiveness in October of 2018.

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Call Us for San Diego Credit Repair at 619-492-3040

ERA Credit Services is an Independent Agency of Financial Education Services.  

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Credit Repair San Diego County – Get Far More for Less

You need to know 3 things when you’re looking for Credit Repair San Diego County

1) Most credit repair San Diego County companies do not dispute all your items right away. They’ll dispute only one or two derogatory items every 60 days. They drag out the process so that you end up paying a monthly fee for several more months than is necessary.

2) Most credit repair companies do not involve you in the process. They do not show you the items being disputed. Therefore, you don’t know what is being done or where you’re at. You have no way of checking your credit score on a regular basis to see if they are getting you the results you desire.

3) Most credit repair companies only do credit repair and do not help you with other services that could increase your credit score as well. Credit repair is a great service if done correctly. But it isn’t the only thing that can be done to increase your credit score.

So, you have two choices. You could call several companies and interview them. If you do this now, you know the questions you should ask them. See if you can find one that disputes all items right away. Try and find a company that will inform you every step of the way so you know you’re getting the best service possible. Ask if they provide other services that will increase your credit score as well.

Credit Repair San Diego County

Or, for credit repair San Diego County you could book a phone appointment with us. Click below. Look at our calendar and pick a day and time that works for you.

– Talk to a company that will fully explain the process to you right over the phone.

– We challenge all your derogatory items right away insuring you’ll get the fastest results possible.

– We will share with you how you’ll get online access to all the information about your account.

– We let you review the letters written about your negative accounts so you know what items are being handled.

– We also will provide other services to increase and protect your score.

– And, we provide you with knowledge about credit so you can maintain a high score in the future.

You will receive the best credit repair service available in America today for a one time activation fee of just $99 and only $89/month. In addition, you’ll have an online account showing you all your negative items and the results of those items as they occur. You’ll have online credit monitoring so you’ll see changes in your credit score and get pull your own credit anytime you like. You’ll also receive recommendations as to what you can do yourself to increase your score. And, you’ll have LifeLock to protect your identity and credit score. Again, for only $89/month.

ERA Credit Services is backed by industry experience since 2004 and an A+ rating with the Better Business Bureau.

San Diego Credit Repair

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Credit Repair San Diego County – Get Far More for Less

Credit Repair in San Diego We Need Agents!

How many people out there today have less than perfect credit? You may say, “a lot, or many, or even you!” A recent study says the number is about 77 million Americans. Our company is looking for people to capitalize on the opportunity to help individuals with a San Diego credit repair business. And, to help those that need clients with a particular credit score in order to close business such as professionals in real estate, mortgage, auto, banking, solar companies and more.

An Opportunity to Work in Credit Repair

Are you completely satisfied with your current position or income? What would an additional $1,000 a month on a part-time basis do to help you and your family? Or, are you looking to perhaps make a career change and earn a significant income?

Credit repair is booming and we are looking for Agents to help us expand our credit repair business in San Diego and around the nation. We are a 10 year old established company that has helped over 170,000 people improve their credit score. We have an A+ rating with the BBB and thousands of very satisfied clients.

Partner With a Proven Credit Repair Service San Diego Credit Repair Business

We have a documented and proven credit repair service. Your job would be to educate consumers and professionals in credit related industries on this service and input their information into our online system. Our staff of experts does the credit repair work and you get paid!

If you have management experience, and/or are willing to learn, you can also build a team of Agents here in San Diego and around the country and get paid on their production.

If you want or need to increase your personal credit score we are here to help. But if you also are looking to make a change in your income or profession you may also want to consider joining our team.

If You Want to Know More About a San Diego Credit Repair Business We’d Love To Hear From You

Either way give us a call at 619-492-3040. We’ll provide you with detailed information. If you are the right individual we will set you up with an interview with our Vice President, Dale Guiducci.

www.eracreditservices.com

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Boomerang Buyers – San Diego Real Estate Market

Chances are that you have never heard of boomerang buyers before. Boomerang buyers are former home owners who have gone through a short sale, foreclosure, or bankruptcy in the past few years and are saving up for a down payment to purchase a home again—are coming back. Of course, one of the issues these people face is repairing their damaged credit and getting their score back up to be able to qualify for a mortgage.

Boomerang Buyers

I recently had an opportunity to discuss this topic with one of the top real estate professionals in San Diego, David Demangos.  As a tenacious and powerful Keller Williams Real Estate Agent, David’s desire is to help his clients buy and sell residential real estate. He is known as San Diego’s “go-to guy” and is extremely well networked. David connects local business people, building relationships, resulting in repeat referral business for one another. His leadership and management skills shine through.

Boomerang Buyers Are Re-Entering the Market in San Diego

David recently sold a home to a nice man who short-sold his home, built his credit back up and purchased a new home in just around twenty five months. Boomerang buyers are expected to flood markets in some of the hardest hit areas for short sales and foreclosures in the coming years. They are predicted to account for nearly one in every five home sales in the certain metro areas this year such as San Diego.

Rising rents and the desire to own again now that the economy is more stable are driving many boomerang buyers to re-enter the market. They also want to jump in before interest rates and home prices climb too much higher.

How Soon Can Boomerang Buyers Jump Back Into the Real Estate Market?

But how soon they can jump back in will depend on the type of loan they had as a previous home owner. According to my trustworthy lenders, boomerang buyers who had FHA loans may need to wait only three years if they can prove that a hardship, such as job loss or death of a wage earner, led to their foreclosure or short sale.

Borrowers have typically been required to wait five to seven years to qualify for another loan, but mortgage giants have begun to change their rules to allow home owners who underwent a foreclosure or short sale to qualify sooner. Those who underwent a short sale will likely qualify the soonest. However, not all lenders are participating, so borrowers will need to shop around. David is well equipped to refer people to lenders who can help.

Freddie Mac’s wait time is usually four years following a short sale or deed-in-lieu, and seven years after a foreclosure. Fannie Mae may require a seven-year wait for a foreclosure, but only a two-year wait following a short sale as long as the borrower can provide a 20 percent down payment.

Credit Score Implications for Boomerang Buyers

However, for all these people their credit score is going to be an issue. David and I agree that the first step anyone who wants to “boomerang” back into the market must take is to check their credit score and determine the gap, if any, between that score and a score that will qualify them for a loan.

Between David Demangos and me, Dale Guiducci of ERA Credit Services, we can help you step through the process of getting in position to be a boomerang buyer.

Who do you know looking to buy, sell or invest in real estate? Call:

David Demangos
Keller Williams Realty
Cell:  858.232.8410
Realtor® BRE# 01905183
San Diego Real Estate Area Expert / Green Specialist / ALC Committee
www.awesomesandiegorealestate.com

LABELS: BOOMERANG BUYERSFORECLOSURES IN SAN DIEGOHOMES FOR SALE IN SAN DIEGOSHORT SALE HOMES IN SAN DIEGO, credit repair in san diego, san diego credit restoration

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Should I Choose a Local Credit Repair Company?

When people have the choice to do business with a local credit repair company or a national company most of the time they would choose to do business locally. There is simply a comfort level doing business locally. Perhaps the thought of being able to find and visit the company should something not go quite right is a compelling reason. And, we would more likely want to help out a business in our own economy. This is no different when choosing a credit repair service and perhaps these reasons are even more compelling.

Credit Repair Process and Concerns

I was in a similar thought process when I was looking for a local credit repair company to refer to some of our accounting clients. I called several of our local San Diego credit repair companies. I found many companies that were one woman or man operations. I made the decision to not do business with these newer credit repair services because I wanted to make sure they were going to be around for a while. I was looking for a credit repair agency with a proven track record.

Local Credit Repair in San Diego local credit repair

There were two or three local companies that did credit repair in San Diego that had a track record but they were very expensive. I was also looking for an affordable service for my clients. Then I started calling national credit repair companies that had a track record but discovered that most of them were expensive as well. And, I didn’t get the comfort level that my clients were going to receive personal attention.

I had a bit of a dilemma on my hands until I found United Credit Education Services. They had everything I was looking for in a credit repair agency. They had a ten year track record, proven results, an A+ Better Business Bureau rating, a very affordable price, and a customer satisfaction guarantee. There was only one problem. They didn’t have a local representative in San Diego.

A New Local Representative in San Diego

Given the need of so many people in need of local credit repair in San Diego, I eventually made the decision to turn over the operations of my accounting business and represent this company to begin offering consumers in San Diego credit repair. The advantage is that I and my customers had a large staff of credit repair experts in the home office to utilize. Yet my clients also have a local representative that will give them the personal attention they need.

My solution to the problem of not finding a local credit repair company in San Diego was to find the best credit repair company and represent them. If you want to find a service in your specific area, yet you want the experience and track record of a larger company, contact us. We’ll look within our network of credit repair Agents and find you someone that will help you.

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