Consumer Disclosures

You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly, at no cost. Accurate, current, and verifiable information cannot be permanently removed from a credit report by anyone.

You are entitled to free copies of your credit reports from the nationwide credit bureaus. Nothing in our services limits that right.

We do not charge or accept payment for services before they are fully performed. We will never advise you to make an untrue or misleading statement to a bureau, creditor, or lender, or to alter your identity to create a "new" credit file. Any such request would be unlawful and we will decline it.

You may cancel your contract without penalty within three business days of signing, and you may sue a credit repair organization that violates the CROA.

Results vary by individual. Testimonials and score examples reflect specific client experiences and are not a promise or guarantee of any particular outcome, score increase, deletion, approval, or funding amount.

Empire Consulting is not a law firm, lender, or credit bureau, and our services and educational content do not constitute legal, tax, or investment advice.