Credit repair is the process of reviewing your credit reports and disputing inaccurate, outdated, incomplete, or unverifiable information with the credit bureaus and creditors.
How does your credit repair program work?
Once you enroll, we:
Review your credit reports
Identify negative and inaccurate items
Prepare and send customized dispute letters
Submit disputes to Equifax, Experian, and TransUnion
Monitor responses and update your file monthly
How many dispute letters do you send?
We send up to 4 customized dispute letters per month, depending on your credit profile and eligible items.
Which credit bureaus do you dispute with?
We dispute with all three major credit bureaus:
Equifax
Experian
TransUnion
How long does credit repair take?
Every credit profile is different. Some clients see changes within 30–45 days, while others may take 3–6 months or longer depending on:
Number of negative items
Type of accounts
Credit bureau response times
Do you guarantee results?
No company can legally guarantee specific credit score increases or deletions.
We work to challenge inaccurate or unverifiable items, but results vary for each individual.
What items can be disputed?
We may dispute:
Collections
Late payments
Charge-offs
Medical bills
Repossessions
Inquiries
Errors in balances, dates, or account status
Can you remove accurate information?
No. Only inaccurate, outdated, incomplete, or unverifiable information can be challenged under the Fair Credit Reporting Act (FCRA).
Do I need to provide my Social Security number?
Yes. Your Social Security number is required to properly identify your credit file with the credit bureaus.
All information is kept confidential and secure.
Will disputing hurt my credit score?
No. Disputing inaccurate information does not lower your credit score.
Can I repair my credit myself?
Yes, you can dispute items on your own.
Our service saves you time by:
Creating professional dispute letters
Tracking bureau responses
Following up monthly
Managing the entire process for you
How much does your service cost?
Pricing depends on the plan you choose. All plans include:
Credit analysis
Monthly dispute letters
Progress tracking
Cancel anytime
No long-term contracts.
Is there a setup fee?
Yes. The setup fee covers:
Credit file review
Letter creation
Initial dispute processing
Client onboarding
Is this a monthly subscription?
Yes. Credit repair requires ongoing monthly disputes and monitoring. You may cancel anytime.
Are there refunds?
Due to the nature of credit repair services and work beginning immediately, all fees are non-refundable once disputes have been submitted.
How do I cancel my service?
You may cancel at any time by contacting us before your next billing cycle.
Is Empyrean Credit Solutions a law firm?
No. We are not attorneys and do not provide legal advice.
Is credit repair legal?
Yes. Credit repair is legal under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).
What do I need to get started?
To begin, you’ll need:
Valid ID
Social Security number
Current address
Access to your credit reports
How can I contact you?
You may contact us through:
Email
Website contact form
Customer portal (if applicable)
Response time is typically within 24–48 business hours.
⚠️ Important Disclosure
Empyrean Credit Solutions does not guarantee the removal of all negative items or specific credit score increases. Results vary based on individual credit history.
