EPL Credit Refinement is more than just a business name, it’s our core!

Ethos Pathos Logos

E - Ethos: Credibility

Everything we do for you, we have done for ourselves. We went through trial and error with our own credit to find the most efficient methods to be able to repair your credit. All credit building techniques we offer you, we have used ourselves.

P - Pathos: Emotion

We have been in your shoes when it comes to having not-so-great credit! We know the feeling of embarrassment when we have been turned away from a car dealership. We have lived through the struggle of being disqualified for a job opportunity. We have felt the frustrations of being stuck renting because we can’t get approved for a mortgage. We handle every client credit file as if we are working on our own. Your credit should not be a factor of holding you back in life.

L - Logos: Logic

We read the law. We know the law. We use the law. Respectfully arguing with credit bureaus and collection companies is our passion! We will never accept “verified” as an answer.

Why choose EPL?

We offer personal one-on-one credit counseling with every client. You are never in the dark or lost in the process of what we are doing with your credit. We offer the total package to credit repair which requires the client to follow their job in the process in order to enhance the efficiency and effectiveness of boosting their credit score while enrolled in our program.

Shannon writes and mails the dispute letters herself (we NEVER outsource the dispute process)

24/7 access to your client portal (see at anytime what the status is on your accounts while being able to read tons of material regarding credit and an interactive financial budgeter)

Your credit monitoring account is yours. Clients may keep their account active even after the credit repair process is complete.

Instant and direct access to Shannon during business hours to ask questions about your credit. You may text, email, call, or go through your client portal to reach out to Shannon. (There is no call center to go through)

Monthly new credit score updates with an in-depth review of your credit files (we personally reach out to you each month with how your credit score has changed and explain to you why your score has gone up or down and will readjust your credit repair process and goals accordingly)

ALL negative/derogatory accounts are disputed at the same time (often times credit repair companies dispute a max of up to 5 accounts at a time. we do not believe in that business model)

You will receive coaching on how to build credit and pay down debts

When a client successfully leaves our program, they may return at anytime, skipping ahead of the waitlist

YOU receive dispute results letters directly from the bureaus (we do not make up your results. you get the paperwork mailed to you, from them)

A Look Inside Credit

Get answers to the most commonly asked questions about credit from a new and relatable perspective with A Look Inside Credit. The book breaks down understanding credit, building and managing it, and how to find errors on credit reports.

It also reveals the long-awaited truth about the credit repair industry and addresses misconceptions that have been avoided for two decades, empowering you to be accountable for your own credit.

Meet Your Credit Repair Specialist:
Shannon

Thank you for choosing me as your credit repair specialist. I truly value each and every one of my clients as if they are family and do everything I can to get you on the path to credit success. Trust in the EPL process because it will be worth it in the end!

– Shannon

Shannon was born and raised in Central Florida. She also lived in Southern California for several years while earning a degree in Liberal Arts focusing on Math and Science. She graduated with academic honors from the College of the Desert and continued on her education at the University of Central Florida majoring in Sociology.

  • CERTIFIED CREDIT REPAIR SPECIALIST
  • BOARD CERTIFIED CREDIT CONSULTANT
  • CERTIFIED CREDIT SCORE CONSULTANT 
  • FAIR CREDIT REPORTING ACT CERTIFIED
  • FAIR DEBT COLLECTION PRACTICE ACT CERTIFIED
  • BASIC DISPUTING CERTIFIED
  • MASTER DISPUTING CERTIFIED
  • CREDIT REPAIR SOFTWARE CERTIFICATION
  • MEMBER OF CREDIT CONSULTANTS ASSOCIATION