Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
WELCOME TO EMPIRE CREDIT SOLUTIONS.
We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten. Credit repair firms cannot do anything that you couldn't do yourself, but we can help you to achieve results in a fraction of the time without making costly errors.
Clean Up Your Credit and Raise Your Credit Score!
A great credit report is essential to getting the most out of life.
No one can match our knowledge and experience to guide you through improving your
credit profile and increasing you credit scores. Get started today!
If you're serious about discussing ways you can improve your credit score, we're here to help. Our credit specialists are experienced, friendly, and will help you determine the best course of action to achieve your goals, all at no obligation or cost to you. Call us for your free consultation at 1800-433-0408.
We are so confident in our ability to help you, that we challenge you to put us to work for you. Nothing is more important to Empire Credit Solutions than your credit goals. We are all about results!
Frequently Asked Questions
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
You are entitled to a 100% refund on all payments and fees, if: We do not remove more than 25% of all the negatives worked on within six months from the date you retain our services. Also you MUST agree to send updated reports and letters from the three credit bureaus to us within 5 days of receipt. You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received. You may cancel services at any time. Please notify us in writing 7 days before the next billing period. (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
Through our services, 93% of our clients see their credit score increase 20-50 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 120-180 points.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
What is Important For us?
EXCELLENT CUSTOMER SERVICE
DEVELOP A GOAL
CONSUMER LEGAL RIGHTS
Jamael was great, he help our scores tremendously in just 3 months. You have to trust him with a lot of information, but if you do he can do wonders! Brian & Crystal Anderson.
Hey Guys :My name is Jean Dorvil, To let you know,about my Experiences to the Empire Credit solution. After I lost my house on 2009 life was sad for me i cant do anything because was to bad when I meet the specialist from the Empire credit solution. After tree month my credit going back 703 and apply for the credit cad no problem. Now i am qualify to by my new house. Thanks,thank, thank Empire credit solution, you help me get my credit back.
I am very happy with the results and what I have been able to see with the credit bureau is amazing! I really believe at the end of our journey together I will able to get my car in a awesome price! Thanks to you, Jamael Williams at credit repair, who is passionate about helping me see that I will see better today than yesterday! God bless you!
ECS is the best company ever in regards to rebuilding your credit. Jameal williams who's been my agent and has gone thru the process step by step with me from day one. Mr. Williams is passionate about helping and making sure I understood each step. The constant updates via phone, emails and postal services made me feel like family. I would and have recommended ECS to anyone who wants to rebuild their credit... They are the BEST!!!!
I knew nothing about my credit. He explained clearly what was needed to get results and I don't believe I would have found it any other way. Thank you very much Empire Credit Solutions, Denise was my credit repair specialist. I will refer them to all my friends and family.
They were the best at making me feel like I was important and that my credit score mattered. My credit score was in the 500"s and now my score is 660. They did it in 4 months. Now I qualify for an FHA loan, which I didn't even know about. I was just trying to get a mortgage but this was great news. FHA loans only require a 3% downpayment. Wow. Thanks Empire Credit Solutions.
I have been working with ECS since Jan/2015. At first I wasn't sure what the outcome was going to be. All I know is that my credit was terrible and I wanted to have the ability to buy a home. I was referred to Jamael. For the first 2 months I felt I didn't see any results. My score was 569 and it didn't really budge. Now my credit is in the 600s, most of my negatives are gone. Honestly I am smiling from ear to ear because I had planned to pay all of these debt off (over $4,000), but now I don't even have $700.00 left in debt on my credit and Jamael went the extra mile and referred me to a great loan officer, who has preapproved me!!! I am so excited about my future and I am so happy I was able to achieve my goals. Thanks to Jamael and the rest of the ECS team. Believe me when I tell you they will work for you. I am definitely a witness to their work.