732 S 6th St, Ste N, Las Vegas, NV 89101 Call (949) 669-7342

EMPOWER1

HYBRID LOAN PROGRAM

One program. The useful parts of several.

A 36-month retainer instead of an interest-bearing loan payment. A debt-invalidation review with an A+ rated firm. Bill negotiation and reduction are included, at no extra fee. When you make the payments, they report as a positive tradeline with Consolidation Capital. No income qualification and no income verification. The goal is better lendability: rates and terms a standard application may not get you today. You can have the option to take a loan later, pay the program off, and put additional cash in hand. Conditions and qualifications apply.

YOUR NUMBER

How much debt do you have? Hybrid program Add expedited credit repair and credit stacking, $150 Expedited credit repair and credit stacking only, $150

—

Select a debt range to see the monthly retainer.

Secure my enrollment

Debt review

An A+ rated firm reviews the debt for invalidation. The aim is to challenge what should not be sitting on you.

Bill negotiation

Included. Household and creditor bills can be negotiated for a reduction. There is no extra fee for that work.

Reports like a loan

As long as you make the payments, they report as a positive tradeline. It shows on credit as a secured loan with Consolidation Capital, for the full retainer, which is your monthly payment times 36 months, and it shows that monthly payment. The history is there to help the credit file and show that you pay.

No income check

No income qualification and no income documents to start.

A retainer, not interest

36 months. The monthly number is the program payment. A later loan to pay it off and take cash in hand is separate, and it has its own conditions.

ENROLL

Secure my enrollment

First name

Last name

Mobile number

State

ZIP

Co-applicant first name

Co-applicant last name

Co-applicant mobile

Co-applicant date of birth

Date of birth

Choose a debt range, then complete the required fields.

We have it. Keep your phone with you. Someone is calling about this enrollment. To talk now, call (949) 669-7342.

GUIDES

Start with the problem, not a product.

Pick the situation below. Each one tells you what to check before you open an offer.

BEFORE YOU CLICK

Can you make the payment on a bad month?
What is the fee, not just the rate?
Does this pay the problem, or only move it?

This weekI need cash Too many paymentsI need one bill No account, or a weak oneI need a bank The report is the problemLook at my credit

I need cash.

Try a personal loan or a line of credit first. A cash advance is only for someone who cannot get either. It is expensive on purpose.

Write the payment and the payoff date down before you accept. If you cannot say both out loud, do not take it.

TRY THIS FIRST

Personal loan

One lump sum and a fixed payment. Compare the rate, the term, and the fee. A longer term lowers the payment and raises the cost.

Compare personal loans

IF YOU MAY NOT NEED IT ALL

Line of credit

A limit you draw from and pay down. Interest runs on what you use, not on the whole limit.

Compare lines of credit

LAST OPTION

Cash advance

A short loan for someone turned down for a personal loan. The fee is the cost. It is not a monthly plan.

See cash advances

A PLANNED EXPENSE

Major purchase

Use this when the item and the price are already known. A shorter term costs less.

Compare purchase loans

I need one payment.

Rolling bills together only helps when the new payment is one you can keep. A lower payment with a much longer term can cost more.

Add up what you pay now. If the new payment is not lower, or the payoff is years longer, leave it.

SEVERAL BALANCES

Debt consolidation

One loan in place of several. It helps only if the rate and the term beat what you pay today.

Compare consolidation

A CARE BILL

Medical

Finance the bill you already have. Ask the provider what a no-interest plan would cost before you borrow.

Compare medical loans

CARDS

Personal credit cards

Fine for a short float. Expensive if the balance stays. Do not open one to pay another card unless the new terms are clearly better.

Compare cards

A PROFESSIONAL BILL

Professional services

Legal, tax, or other bills. Know the full invoice before you finance it.

Compare these loans

I need a bank account.

A checking account is for bills. Savings is for money you are not spending. If a bank already said no, use a second-chance account instead of applying to the same kind of bank again.

Read the monthly fee and the overdraft rule. A “free” account that charges $35 a decline is not free.

EVERYDAY MONEY

Checking

The account that pays rent, food, and the phone. Direct deposit often waives the fee.

Compare checking

IF YOU WERE TURNED DOWN

Second-chance checking

Built for a thin or damaged banking history. Expect a monthly fee. Confirm you can turn off overdraft.

See second-chance accounts

MONEY YOU KEEP

Savings and CDs

Savings stays available. A CD locks a rate and charges you if you take the money early. A money market sits between the two.

Compare savings

A BUSINESS

Business checking

Keeps business money off a personal account. Open it once the business is taking payments.

Compare business checking

The report is the problem.

Looking at your own credit does not lower the score. A repair company disputes items on the report for you. Start by seeing what is on the file.

No one can promise a deletion or a new score. If the offer says that, close it.

SEE THE FILE

Credit reporting

Tools that show what is on the report. Start here before you pay anyone to dispute it.

See credit tools

DISPUTES

Credit repair

A company that disputes items on the report. No one can promise a deletion or a new score.

See credit repair

IF IT IS SOMETHING ELSE

Home, car, school, and coverage.

These are narrower. Open one only when it matches the thing you are actually paying for.

Home improvementMatch the loan to a written bid. Home equity lineThe house is the collateral. Shared equityRead the share of the home they keep. Buy a carThe loan should not outlast the car. Refinance a carOnly if the rate or payment drops. MovingKnow the new housing payment first. Refinance student loansFederal benefits can be lost. Private student loansReview federal aid first. Career trainingCompare the payment with the pay the course can add. Business financingPersonal credit is often still reviewed. Business loansSeparate from a personal loan. Business cardsA personal guarantee is common. Prepaid cardYou can only spend what you load. Money marketSavings-style, with limited withdrawals. CDsA set rate. Early withdrawal costs a penalty. BrokerageThe value can drop. This is not savings. Investment advisorAsk how they are paid first. Money toolsA budget app does not pay the bill. Tax preparationHelp filing a return. Not tax-debt relief. Auto insuranceLiability covers the other person. Home insuranceThe structure and what is in it. Renters insuranceYour belongings. Not the building. Life insuranceTerm is the simple version. Travel insuranceRead which cancellations are covered.