The Empowerment Process

Our Process

Step 1: Send Us Your Credit Reports

The process begins with you providing us with your most recent credit report. We highly recommend you know your most recent and updated Credit Score before beginning this process. If you do not already have a copy of this data you are entitled to 1 free copy of your credit report, from all 3 credit bureaus at
https://www.annualcreditreport.com/index.action

Step2: Personalized Evaluation

Once your credit reports are received, our professionals do a personalized, comprehensive evaluation of your information. We will send you secured member portal access as well as our Electronic agreement, when the agreement is signed, we will send a link for payment through a secured ACH account. Then, our staff will start the process within 24 hours.

Step 3: We Fight for your Rights

At Empowerment Credit Solutions, we will fight to ensure that your rights are enforced and that credit bureaus are within full compliance of the law. Our team brings disputes directly to the credit bureaus and aggressively fights to ensure every possible issue is properly investigated and addressed (according to your rights provided by the FCRA). By doing so we can ensure your credit report is presented in the most accurate and positive manner conceivable, therefore your credit scores are as high as they can be.

Regardless of how complicated your individual case may be, as long as you are a client in good standing, the Empowerment team promises to continue demanding your rights until you are 100% satisfied that your report is being presented in an accurate manner, and therefore as positive as it can possibly be.

Step 4: Watch Your Bad Credit Vanish

The credit bureaus are obligated by law to investigate the items you are disputing within 30 days. It usually takes 60 days before you will receive your updated credit report and adjusted credit score.

FREQUENTLY ASKED QUESTIONS

Q: How long does the credit repair process take?

It really depends on how many negative, inaccurate, obsolete, misleading or duplicate items are on your credit reports. It also depends on the credit bureaus properly doing their job by following the federal law, Fair Credit Reporting Act. You will typically see results from all 3 credit bureaus in as little as 30-45 days. The credit bureaus can respond sooner if they gather all information from your creditors in a timely manner, which by law, is no more than 30 days.

Q: What guarantee can you give me?

We can guarantee that we will improve your credit and credit scores within 12 months. To ensure this happens, you must have done at least two rounds of disputes through each of the credit bureaus and not have any new items appear on your credit reports. We cannot guarantee that a certain item will be deleted or corrected in a certain amount of time. That would be against the law. We do know that with determination. persistence, and our experience this process does work.

Q: Can information be removed from my credit reports even if it belongs to me?

Any information on a credit report can be removed, but it must be removed due to a violation of some type (which you will find described in the Fair Credit Reporting Act) (FCRA). There are many laws written to protect you (the consumer), so anything that violates these laws will cause removal of any accounts including judgments, liens, collections, charge-offs, bankruptcies and late payments that are incorrect, misleading, obsolete or inaccurate.

Empowerment Credit Solutions
info@empowermentcreditsolutions.com | 404-849-5553