Yes, credit repair and training 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. .
We will guide you through the process from start to finish and prepare all your documents for you. We have 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 understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws and we will use that to knowledge to help remove negative information on your report.
Items removed can not come back as long as the item is inaccurate, current or paid at the time of removal . We provide our clients with credit education to make good financial decisions for a lifetime. This helps to ensure they never end up in the credit situation they arrived in and will be completely Financially EMPOWERED!
We work with the following
bankruptcies, foreclosures, collections, charge-offs, medical bills, credit card debt, repossessions, inquiries, late payments, inaccurate personal information such as names and addresses, judgments, tax liens and student loans and much more
Credit training does work in most circumstances. However, 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 Empowering Solutions. Credit repair requires commitment and patience. Sometimes many want to see drastic changes overnight and that just is not reasonable. We will work diligently on your behalf to ensure your credit report is an accurate reflection of you . All we ask is that you sit back, relax and enjoy the benefits of the process.