Featured Collection

🚨 IMPORTANT CLIENT NOTICE 🚨

📌 Sign-Up Fee / Enrollment is REQUIRED for ALL clients before services begin.

📌 Credit Monitoring is MANDATORY — $24.99/month.

📌 An account can be modified, updated, or deleted in accordance with FCRA standards.

📌 We do NOT guarantee results and we do NOT control the credit bureaus. Results may vary from person to person.

📌 Flat Fee Packages – NO monthly payments (only your credit monitoring fee applies).

📌 No commitment on how many months you choose to remain a client — you stay for as long as you want progress.

💳 Let’s start your credit repair journey today!

Compliance Documents

Access our important compliance documents and policies.

Terms of Service & Privacy Policy

Learn how we collect, use, and protect your personal information
View Policy

Client Acknowledgment & Agreement

Review the terms and conditions for using our services.
View Agreement

Right to Cancel Notice

If you wish to discontinue services, please complete this form to officially cancel your account. This ensures a smooth and documented process.
Cancellation Notice

Additional Compliance Documents

Required forms that protect both you and our company. Please review, sign, and upload securely before we begin services.
View Document

Feedback

We value your experience! Share your feedback to help us improve and continue serving you better.
Provide Feedback

Low Income Verification Form

View Form

Legacy News & Updates

  • Not Sure Where to Start? Complete Our Client Inquiry Form!

    Discover the best plan for your credit journey with our 15 minute virtual consultation and get a personalized analysis of your credit report to see what's affecting your creditworthiness.

    Client Inquiry Form 

  • Buy-Now-Pay-Later (BNPL) Is Changing Credit Scores

    Starting in Fall 2025, FICO will begin including BNPL data (like payments from Klarna or Affirm) in it's new scoring models - FICO 10T and FICO 10. This means responsible BNPL users may actually build credit, but missed payments could hurt scores. The impact depends on whether BNPL providers report to credit bureaus.

    The Currency 

  • VantageScore 4.0 Gains Ground in Mortgage Lending

    For the first time, mortgage giants Fannie Mae and Freddie Mac will accept VantageScore 4.0 - not just FICO. This model factors in rental, utility, and telecom payment histories, helping millions of previously "credit-invisible" Americans qualify for loans.

    VantageScore 4.0 

  • Website/Social Media Notice

    📌 Client Support Policy

    For the security of your personal information, all questions, concerns, and service requests must be submitted through our official channels:

    ✉️ Email: legacyfinancialsoultions@outlook.com
    or
    🔒 Secure Client Portal: https://www.secureclientaccess.com/login

    ⚠️ Please do not send private information through social media messages or comments. For your protection, we cannot address client concerns on social platforms.

    ⏳ Response Time: Our team responds to all inquiries within 3–5 business days (excluding weekends and holidays).

    Thank you for helping us maintain the highest level of privacy and compliance while serving you.

  • Student Loans Are Tearing Down Credit Scores-Even for A-Players

    With federal collections-and delinquencies-back in action, millions of borrowers are seeing their score nosedive-some by more than 100 points.

    Learn More 

  • Know Your Rights as a Consumer

    At Legacy Financial Solutions, we believe that education is just as important as results. That's why we encourage every client to learn more about their consumer rights.

    • Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit reports.
    • Under the Credit Repair Organizations Act (CROA), you're entitled to honest services, written contracts, and a 3-day cancellation window.
    • The Fair Credit Debt Collection Practices Act (FDCPA) protects you from abusive or unfair collection practices.

    For more information, you can visit this trusted resource:

    Consumer Financial Protection Bureau (CFPB)