Empire Credit Solutions has many years of experience in Credit Repair and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty, dependability and 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.
Credit repair is legal, We use the law in your favor. That law is called “The Fair Credit Reporting Act”. 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!
You are entitled to a 100% refund on all payments and fees, if:
We do not remove at least one negative item off your credit Report within 60 days from the day you sign up with our Credit Repair Program.
Also, Signing up with our Credit Repair Program you agree to send updated reports and letters from the three Credit Bureaus and any Collection Agencies to us within 5 days of receipt. These letters can be Email, faxed or mailed to us.
You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received from the Credit Bureau’s.
You may cancel services at any time. Please notify us in writing 7 days before the next billing period.
Credit Bureaus don’t want you to do Credit Repair for the simple fact they make money on consumers with bad credit. Every time a lender runs your credit the Credit Bureaus make money. For example, If you go to a car dealership to buy a new car your interest rate is determined by your credit score. If you have perfect credit they will most likely pull your credit report ONLY ONE TIME and offer you the best interest rates. If you have less then perfect credit they will pull your credit multiple times by multiple banks looking for a bank that will finance you and a bank that they can make money on the interest rate as well. We have seen car dealers run a consumers credit up to 14 times in one day without the consumer even knowing. Each time your credit is pulled by a lender it could cost your credit score 3-5 points each time it’s pulled.
The Bottom line is every one makes money on your bad credit but you!