Credit Repair
We challenge inaccurate, unverifiable or outdated collections, charge-offs, late payments, inquiries, repossessions, bankruptcies, medical debt and evictions with all three bureaus.
👑 Miami, FL · Credit Repair · Funding Readiness
Build the credit profile your future deserves.
We challenge inaccurate, unverifiable or outdated negative items on your credit reports, then help you build strong credit and get ready for personal and business funding.
- Collections
- Charge-offs
- Late payments
- Hard inquiries
- Repossessions
- Bankruptcies
- Medical debt
- Evictions
Results vary. We can't guarantee the removal of any item or a specific score. Accurate, verifiable information can legally remain on your report.
3Bureaus reviewed: Equifax, Experian, TransUnion
1:1Personal strategy, not a cookie-cutter template
700+Client scores shared on our Instagram (results vary)
How it works
A clear process, from first call to stronger credit.
- 01
Free consultation
Create your account through our consultation link and we'll go over your goals, whether that's a home, a car, a card or business funding.
- 02
Three-bureau audit
We review your Equifax, Experian and TransUnion reports line by line for inaccurate, unverifiable or outdated items.
- 03
Disputes & challenges
We prepare and send disputes to the bureaus and furnishers, and track every response so nothing falls through the cracks.
- 04
Build & get funding-ready
We help you add positive history and position your profile for approvals on personal and business credit.
Services
Everything you need to take your credit to the next level.
Credit Building
A personal plan to add positive payment history, manage utilization and build a profile lenders like to see.
Authorized User Tradelines
Guidance on being added as an authorized user on a seasoned account in good standing, one tool that can help strengthen a thinner credit profile.
Funding Readiness
Personal and business funding prep: we help position your credit and documents so you apply at the right time, with the right lenders.
Pricing
One package. Everything included.
👑 Featured
Full Credit Repair Package
$1,500
Billed in line with the Credit Repair Organizations Act (CROA): you are never charged before the work is performed.
Not sure yet? Start your free consultation first.
- Three-bureau credit audit (Equifax, Experian, TransUnion)
- Disputes of inaccurate, unverifiable or outdated negative items
- Authorized user tradeline guidance
- Personal credit building plan
- Personal & business funding readiness
- Dedicated support from start to finish
Real results
Clients back to back. 📈
Score updates our clients shared with us, as posted on @creditbyyojan.
Results vary. No guarantees. These are individual client results, not typical or promised outcomes. Every credit file is different, and accurate, verifiable information can legally stay on your report.
Before & after
Three-bureau update
Before
- EQ515
- EX509
- TU523
After
- EQ725
- EX720
- TU731
"Started with low 500s, now he's at 700+"
Before
- EQ538
- EX595
- TU567
After
- EQ711
- EX684
- TU705
Same client, later update
Before
- EQ538
- EX595
- TU567
After
- EQ718
- EX674
- TU698
VantageScore 3.0, plus a new Benz
Before
Low 400s
After
757
Luis · Experian · 2 accounts deleted
Before
546
After
694
Authorized user added
Before
646
After
714
Gabriel · AmEx Gold approval
Before
Low 500s
After
727
Equifax · "Still not done"
Before
Low 500s
Now
646
Client wins
- 🚗Brand-new 2024 Mercedes C43
Client couldn't get approved before working with us.
- 🛥️Mercedes S580 + 2 jet skis
Approval shared by @dineroo0_.
- 💳American Express Gold, $10,000 line
Gabriel, after going from the low 500s to 727.
- 🗑️JPMCB Card & GM Financial deleted
"This item was removed from your credit report."
- 📈Experian +107 points
Up to 690.
- 📈Experian +85 points
Up to 631.
- 💳Citi Custom Cash card offer
Client S at TU 685 / EQ 709.
- 🏁Porsche, Experian 722
Another happy client.
What clients say
"Bro, I just wanted to say thank you. I checked my credit today and I'm sitting at 672, and seeing that honestly got me excited. I know this didn't happen overnight, and I appreciate all the work you've been putting in behind the scenes. You've definitely helped me get on the right track, and it's showing. I'm grateful for everything you've done so far. Can't wait to see how much higher we can get it. Appreciate you for real."
"Tap in with @yojannnnn_ for all credit needs!!! Quick turn over! Thank u brother."
"I keep telling y'all tap in with @yojannnnn_ for your credit work."
"You are a god."
Proof, straight from our stories
Screenshots shared by clients. Personal details like names, account numbers and codes are blurred or removed.
Results vary and are not guaranteed. Individual results depend on each person's credit file.
Why Empire
We get things done. The right way.
Personal attention
You work directly with the founder's team, not a call center. Every file gets a custom game plan.
All three bureaus
Equifax, Experian and TransUnion each get reviewed and challenged where the facts support it.
Repair + build + fund
We don't stop at disputes. We help you build positive history and get ready for funding.
Straight talk
No false promises. We tell you what's realistic, what you can do yourself, and where we add value.
YojanFounder & CEO 👑
About the founder
Founded by Yojan, built in Miami. 🌴
Empire Credit Repair Co. was founded by Yojan (@creditbyyojan), a Miami-based entrepreneur 🌴🇨🇴 focused on one thing: helping people take control of their credit and unlock the life they're working for.
From first-time buyers to business owners chasing funding, our clients come to us when they're ready to level up. We bring the hustle, the follow-through and the know-how to challenge what doesn't belong on your report and build what does.
FAQ
Questions, answered.
Can you remove any negative account?
No honest company can promise that. We challenge items that are inaccurate, unverifiable or outdated. If an item is accurate and verified, it can legally remain on your report. What we can promise is a thorough review and consistent follow-through.
How long does credit repair take?
Every file is different. Bureaus generally have about 30 days to investigate a dispute, and most clients work through several rounds. We'll give you a realistic timeline after your audit.
Will this hurt my credit score?
Disputing items doesn't lower your score. We'll also advise you on habits like utilization and on-time payments that help your score while we work.
Can I dispute items myself?
Yes. You have the right to dispute inaccurate information directly with the credit bureaus and the companies that reported it, for free. Many clients hire us for the expertise, time savings and follow-through.
What are authorized user tradelines?
Being added as an authorized user on someone else's seasoned account in good standing can add positive history to your file. Results depend on the scoring model and lender. We'll explain whether it makes sense for you.
When do I pay?
Under the Credit Repair Organizations Act, credit repair companies can't charge you before the services are performed. You'll get a written contract, and you have the right to cancel within 3 business days without charge.
Do you help with business funding?
Yes. We help you get your personal credit and profile funding-ready so you can apply for personal and business credit at the right time. Funding decisions are always made by the lender.
Free consultation
Ready to build your empire? 👑
The fastest way to get started is to create your account through our consultation link. Prefer we reach out? Leave your info and we'll contact you.
Start your free consultation- Call(305) 555-0147
- Emailinfo@empirecreditrepairco.com
- Instagram@creditbyyojan
- LocationMiami, FL