Empire Credit Restoration :: Questions & Answers

Is credit restoration legal?

Yes! Under the Fair Credit Reporting Act (FCRA) a consumer has the right to audit any item(s) on their credit report. Just like there are laws that regulate the real estate and mortgage industries to protect consumers, there are laws that govern and regulate the credit industry as well.

When a homebuyer uses our service, we assert all legal rights to remove all information that is inaccurate, misleading, obsolete or not 100% verifiable.

Does credit restoration really work?

Absolutely! While creditors and credit bureaus would like the consumer to believe that nothing can be done about bad credit, the truth is something can be done. We intimately know the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) like some other companies.However, what gives us an unfair advantage over our so called competitors is our knowledge of the Uniform Commercial Code. Any agreement a consumer makes with a corporation becomes a commercial transaction, therefore the Uniform Commercial Code applies.

These laws and codes were enacted by the federal government to tilt the power to the consumer. Consumers with bad credit are greatly taken out of the economy. They can not buy big ticket items like homes and cars. Those with marginal credit pay such a high interest rate little is usually left over for anything else. Consumers with bad credit can’t even get a credit card in most cases. Consumers with credit cards tend to spend more money and it is consumer spending that stimulates the economy. We know how to apply these consumer and commercial laws correctly and effectively to restore your clients credit for maximum results.

How long does it take to restore my client’s credit?

Everyone would like to see results right away. However, every credit report is as different as the individual. Many clients will see significant results in as little as 30 to 45 days while a major credit overhaul/restoration can take up to 6 months. It is short time compared to the time it took to hurt their credit.

Can a consumer audit his or her own credit report?

Yes, they can! Anyone can audit his or her own credit history. To be effective they first would have to learn the specific laws that apply, and how to apply them in regards to each specific item they are disputing. In our opinion, a consumer trying to restore their credit is like trying to represent themselves in court. Without the knowledge of the laws and court rules they can get hurt and usually do. That is why most consumers would rather have us do the work for the fastest and maximum results.

How much does it cost?

We are not a one size fits all service. Our service is tailored to each client unique credit situation. Our service starts at $595 and up. We offer a FREE–No Obligation Consultation to first determine if we can help the client, and secondly what the cost will be. We have heard many time over that hire us was one of the best investment they ever made.

How do I refer my clients’ to you?

Simply tell your client about our FREE No-Obligation Consultation and ask them if it is ok to fax a copy of their credit report along with all of your contact information (include your email) to our office. We will contact them and set up a FREE consultation. Please remember to include their phone numbers.

I have many clients’ that can use your service. How can I keep track of all of them?

We have invested in technology that will allow you access to your clients progress report online 24/7. We will also automatically email you an alert to inform you a new progress report is ready for your viewing every time we receive an updated credit report from the credit bureaus, which is about every 30 to 45 days.

Many of our referral partners have told us our progress reports and automated email alerts are a powerful client retention and follow-up tool. It reminds them to contact their clients and comment on how well their credit is improving. Your clients will feel like you truly care about them and stay with you once we completed restoring their credit. Your client will also receive the same progress report service so they too are informed.