About Us
Why Credit Repair
FAQ's
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How credit repair works

We have a team of over 20 specialists waiting to work with you.

REVIEW

We show you how to identify questionable negative items accross all three bureaus, ensuring your credit reports are accurate and fair.

CHALLENGE

We will show you how to properly challenge your creditors to verify the negative items they’re reporting. If they can’t, they are required by law to stop reporting them.

MONITOR

We will educate you on how to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your goals.

Client Portal Dashboard

Easy To Read Dashboard

View your credit score and track work being done 24/7
compare your credit score month by month, submit documents, send and receive messages directly with your processor


Easily view errors removed

View all work being done on your file 24/7
View accounts being worked on, accounts deleted or corrected

Easily earn account credits

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About Us

Legacy Credit Solutions empowers clients to positively influence their own credit scores and to confront their questionable credit reports, tasks that can otherwise be intimidating, unnecessarily mysterious, and entirely frustrating. We provide consumers with the tools, knowledge, information, and encouragement to make the process manageable.

And although do-it-yourself credit repair is certainly possible, it requires taking the time to learn about applicable consumer protection statutes, regulations, and to "unlearn" a number of pervasive myths about credit. In that regard, most consumers today don't understand how to begin and wouldn't have enough time to devote to the matter even if they did. That's where we come in, we connect you with the industries top credit counselors who will speak with you, during the consultation, clients are assisted in acquiring their three credit reports and we will further Explain the credit reporting process in a way that's understandable and personalized to your life circumstance.

Watch this great investigation done by CBS's 60 Minutes into the credit reporting agencies "Experian, Equifax, TransUnion"

Why Credit Repair

So much in life today depends upon the contents of a single, often misunderstood document - the credit report. From determining credit scores to credit card interest rates, from mortgage approvals to insurance, and from car loans to employment, the credit report enjoys a particularly influential role.

Fortunately for consumers, what's contained within those reports must meet three tough standards:

First, information must be fairly reported, in accordance with several consumer protection statutes. When creditors don't follow these credit reporting laws, they must revise or remove their credit reporting, even if their data is otherwise accurate. Moreover, special circumstances - divorce decrees, military service, identity theft, student loan rehabilitation, medical billing, tax liens, and overall goodwill - can influence what is being reported.

Second, creditor data must be 100% accurate. A study released by the FTC in early 2019 revealed that 37% of Americans can easily identify inaccuracies within their credit reports. So while the major credit bureaus certainly deserve empathy for attempting to keep 25,000,000 consumer files straight, the fact remains that credit scores can be shattered when credit bureaus are fed inaccurate data.

Finally, credit companies must be able to fully substantiate and verify their credit reporting. Debt collectors, for example, must be able to document that they actually do own the debts they attempt to collect. More generally, credit report information must be based on verifiable facts and circumstances. Consumers are entitled to an answer when they ask creditors "Why are you reporting that about me?"

Through its leading consumer brands, 360 Lending Corp., Legacy Credit Solutions helps clients frame the right questions about their credit, and to direct those questions to the right people, in order to ensure that credit reports remain fair, accurate, and entirely substantiated.

Frequently Asked Questions

What is Credit Repair?

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t prove these items are fair, accurate and substantiated, they are required by law to remove them.

Is Credit Repair legal?

.Yes—you have a legitimate and legal right to a fair, accurate and substantiated credit report. Credit repair is simply the process of challenging and disputing questionable negative items on your report to ensure those three standards are met—fairness, accuracy and substantiation.

While there are many laws that apply to your credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws we leverage the most

Can I repair my own credit?

Absolutely. You can contact the credit bureaus and your creditors to get any questionable negative items removed your credit reports. However, this process is time consuming and confusing. Working with a reputable credit repair company can help you remove these items from your reports quickly and efficiently

How long does it take?

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, last year alone, our clients saw millions of negative items removed from their reports, and typically stayed with us for six months. We have gotten results in as little as 45 days

Also, Legacy Credit Solutions offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade. If you’re interested in a product with more credit repair baked in, give us a call.

What effects my credit most?

According to CreditCards.com and CNNMoney,com even a single negative item on your credit could cost you over 100 points.

Negative Item Credit Score Decrease

  • Late Payment up to 110 points
  • Debt Settlement up to 125 points
  • Foreclosure up to 160 points
  • Bankruptcy up to 240 points
  • Collectionup to 110 points
  • Hard Inquiryup to 15 points

Sources:

When should I repair my credit?

Considering that our average client uses our services for six months, the sooner the better. Especially if you plan on purchasing a home or car within the next year, getting started today can save you a big headache tomorrow.

Are you ready to start the journey to better credit?

Yes! Sign Me Up!