Why should I choose Legacy 7 Consultants to restore my credit and document preparation?

Legacy 7 Consultants does not only work to remove the negative, inaccurate information from your credit report. We also educate you on rebuilding and provide information you need to help increase your credit score.That whay we created legacy 7 University to help you increase your financial intelligence! Knowledge for generation to use and share.

Is credit repair legal?

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item can't be verified within a reasonable time (typically 30 days) it must be removed.

How long will it be before I see results?

You can expect to see results in as little as 30 days, with it taking up to 90 days in some cases. Its dependent on what item(s) we are disputing.

How long will I need to remain in the program?

Most people find a period of at least three months is necessary to stay enrolled while some stay in for up to six months to effectively increase their score. Also note you may cancel at anytime.

What can I do on my end to help increase my credit score?

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here. Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home. Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score. Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

Once an item has been removed, can it pop back up again?

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

What is Legacy 7 Consultants 100% Money Back Guarantee policy!

You are entitled to a 100% refund on all monthly payments if: - We do not remove any negative items worked on. - You have had 120 days (4 consecutive months) from the time that you retain our services. - You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services. - You have had no new collections or missed payments during the time frame we are assisting you. -You have maintained credit monitoring services at all times during the time frame we are assisting you - You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received.

Is credit restoration and education worth the time and money?

Contrary to what credit bureaus want you to believe, credit restoration does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. LEGACY 7 UNIVERSITY: Was created to proved a robust financial knowledge loation for you to grow you knowledge if topics like:
- Credit report & score
- Debt to income ratio
- Assets & liabiities
- Budgeting
- Good debt vs. bad debt
- Stocks
- And so much more

What type of items can we help you with?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Why must I aquire & maintain the credit monitoring service throughout the restoration process?

We ask that you aquire and maintain the monitoring service throuhout the process, so that you can see for yourself, exactly what has been done and whats going on. You can see the changes in your credit score and in your profile! you will have access to your monitoring service 24/7 along with the dispute status as well.