Frequently asked questions
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.
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!
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.
- Credit report & score
- Debt to income ratio
- Assets & liabiities
- Good debt vs. bad debt
- 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.