Credit Repair

Credit Repair Service

Why Do you need credit repair?

Mistakes happen. Sometimes you make mistakes, sometimes creditors make mistakes, and sometimes it’s the credit reporting agencies. A recent study by the Federal Trade Commission found that 20% of credit reports have errors. Other studies have found that number to be much higher. Either way, it’s a serious problem. And regardless of who made the mistake, you pay the price.

We want to help.

How does our credit repair service work?

First, we do a thorough evaluation of your credit situation. Then we create a custom plan to improve your credit. This includes using consumer protection laws to effectively correct mistakes and remove negative items from your record. We also educate you on how to restore and maintain your credit by properly using credit cards and keeping just the right amount of debt. Finally, we follow up our work regularly and monitor responses from creditors to ensure progress

Does credit repair really work?

We have a proven track record of raising scores. While each case is different, we usually see an improvement of at least 100 points on FICO scores, sometimes more. But even raising your FICO a little bit can make a big difference over the life of your loan. In fact, we’re so confident we can help, we offer a MONEY BACK GUARANTEE.

We are experienced have successfully removed or corrected inaccuracies with

  • late payments
  • tax liens
  • bankruptcies
  • charge-offs
  • student loans
  • repossessions
  • collections
  • child-support inaccuracies
  • short sales
  • foreclosures

How long does it take?

It all depends on your situation. Typically, your score may fluctuate at first, and it may even drop slightly, but should start to increase, often within 30-45 days. In certain instances we can use a Rapid Rescore method and see changes within a week. However, the largest increases may take 6 months. Each case is different, but we’ll have a better idea after conducting your evaluation.

How much does it cost?

Again, each case is different, but if we don’t think we can improve your score enough to save you plenty of money in the long run, we’ll let you know. We refuse to make money off you if we can’t really help you.

Many factors affect your credit score, but right after a free evaluation, we’ll have a much better idea of how much it will cost, how long it will take, and what kind of improvement you can expect.

Do All Credit Repair Companies Do the Same Thing?

Absolutely not. At Legacy Credit & Debt Advisors, we use the full extent of the law to remove negative items that should not be there. After thoroughly investigating your credit profile, we start going after all the items on your record that are questionable. We address all sources of the problem, from the original creditor to the final collections agency.

Some credit repair companies will only file a generic dispute with the credit agencies. This will only remove the item for 30 days. Without going to the source to solve the problem, the item will be reinstated. When we get an item removed, it’s permanent. Guaranteed.

Furthermore, if the company you are working with is not legitimate, they can make things even worse. For example, if you’re in the middle of trying to get a mortgage and they dispute an item, that will cause an immediate denial of your loan application. There are any number of subtle rules and details that can lead to problems if the person is not experienced. At Legacy Credit & Debt Advisors, we have credible expertise.

So don’t delay, contact us for a free evaluation and put yourself on the path to a better life.

Contact Us

Call Now or fill in the contact form to get started today.


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Your Credit is Our Credibility

Don't just take our word for it, we have plenty of satisfied clients...

At first I was afraid and wasn't sure they could help me because I'd heard lots of negative things about the credit repair industry. But Chris put me at ease right away. He explained everything clearly and based on his evaluation said he was sure he could raise my credit score. By the end of 6 months, sure enough it was even higher than I was expecting.

John H.

...a life changer. Not only are Chris, Lenise and the rest of the staff persistent and motivated in getting results, they are friendly, and a positive group to work with and are always helpful in every aspect. As a result they have put confidence and success back in my future.

Nicole Caldararo

Before calling... my credit was terrible. I tried so hard to go it alone but after calling them, it was the best thing I EVER did. They didn't make me feel ashamed of my situation, nor did they just help me fix it, but guided me in the direction I needed to go in the future to get me to an almost perfect score! They are like family to me now!

Lynn Crisci

I have had the pleasure of working with Lenise, Chris, and Jody for the past few years in getting my credit paid off. I am now on my way to rebuilding my credit back up with Lenise’s help and I know it will all work out with their help again.

Dori R Larm

They really helped me get myself and, my life back on track. Having the professional guidance of Lenise and Chris totally put my mind at ease. Thank you both so much.

Sharon S

I am more than pleased with the service that I got from this business. Not only did they repair my credit and get me to where I needed to be they also got me credit cards all within one year. They are very helpful, they walk you through everything. The customer service is a 5 stars . I was a nonbeliever about getting my credit fixed by a company. I thought I was never going to restore my credit but they assured me that they would have no problem with restoring my credit and i was I shocked with the results that I got when I pulled my first report after one year. So if you are having Credit problems and you want it cleaned up an old debt erased and gotten rid of give this company a call.

Carl Lindenhurst