At Legacy Credit Academy, you’re not just hiring a credit repair company — you’re partnering with a Board-Certified Credit Consultant dedicated to helping you rebuild, protect, and leverage your credit the right way.

Our approach goes beyond quick fixes. We combine FCRA and Metro-2 compliance knowledge with strategic credit-building techniques to help you achieve lasting results — not temporary boosts. Every dispute, recommendation, and action plan is backed by professional expertise, industry certification, and years of experience helping clients transform their credit profiles.

We don’t just repair credit — we educate and empower you to understand how credit truly works so you can make confident financial decisions long after your file is cleaned up.

✨ Legacy Credit Academy is where knowledge, compliance, and results meet — helping you build wealth that outlives you.

Because every credit situation is different, results will vary from person to person. Your outcome depends on several factors — including the types of accounts being disputed, how each credit bureau responds, and the accuracy of the information reported by your creditors.

At Legacy Credit Academy, we focus on doing things the right way — following all federal laws under the Fair Credit Reporting Act (FCRA) and ensuring each dispute is fully compliant and strategic. Our goal is not just quick changes, but lasting, verifiable improvements that strengthen your overall credit health.

While we don’t guarantee specific results or timelines, we do guarantee a professional process rooted in integrity, transparency, and your long-term success.

✨ At Legacy Credit Academy, we’re committed to helping you rebuild your credit — the right way, the legal way, and the lasting way.

Pricing at Legacy Credit Academy is transparent and listed on our website so you can choose the option that fits your needs and budget. Your total investment depends on the scope of work and the complexity of your credit profile.

We offer clear, straightforward packages designed for different goals. If you’re not sure which option is best, an optional consultation is available—recommended if you’d like guidance, but not required to get started.

✨ No hype, no hidden fees—just clear pricing and professional service focused on your long-term credit health

When you sign up with Legacy Credit Academy, you’re getting more than just credit repair — you’re gaining access to a professional, board-certified credit consulting program focused on education, strategy, and lasting results.

Each client receives: ✅ A personalized credit analysis to identify inaccurate, outdated, or unverifiable items. ✅ Customized dispute strategies crafted in compliance with the Fair Credit Reporting Act (FCRA) and Metro-2 standards. ✅ Direct communication and progress updates as your file moves through each stage of review and response from the credit bureaus. ✅ Access to credit-building guidance and funding education to help you strengthen your profile long after negative items are addressed. ✅ Professional insight from a Board-Certified Credit Consultant who ensures your file is handled with accuracy, compliance, and integrity.

✨ Legacy Credit Academy is your partner in rebuilding, restoring, and protecting your financial future — helping you build wealth that outlives you.

The length of time you’ll remain in the program depends on your individual credit situation. Every credit profile is different — factors like the number of accounts, types of inaccuracies, and how each credit bureau responds can all affect your overall timeline.

At Legacy Credit Academy, we don’t lock clients into long-term contracts. You can stay enrolled as long as you feel it’s beneficial and end your program once you’ve reached your desired credit goals. Some clients choose to remain longer for continued credit-building support and education, while others pause once their main concerns are resolved.

Our goal is simple — to help you achieve measurable, lasting progress at a pace that fits your personal credit journey.

✨ We move at the speed of your success — no pressure, no deadlines, just progress.

At Legacy Credit Academy, we make the process simple and secure. To begin your credit repair journey, you’ll need to provide access to your credit reports from all three major credit bureaus — Experian, Equifax, and TransUnion.

We only accept reports from IdentityIQ, SmartCredit, or MyFreeScoreNow, as these monitoring services provide the complete, up-to-date data we need to create your personalized credit analysis. Once you sign up for one of these services, you’ll share your login credentials or report access details with us so we can securely review your reports.

We do not pull your credit directly, and we never perform hard inquiries — so checking your reports through these trusted platforms will not impact your credit score.

✨ Your privacy and security are our top priority — we only use verified, secure monitoring services to ensure your information stays protected.