Every month you wait, your score sinks deeper and the denials keep coming. No more PDFs. No more YouTube rabbit holes. No more "courses." You need senior specialists to take this off your plate. That is the only thing we do.
The bureaus stalled. Sent the same boilerplate response. The negatives stayed. We know exactly which letters they ignore and which ones force them to act.
$129–$199 a month, locked in for a year, and barely a deletion to show. We do the actual work, charge less, and let you cancel any time you want.
Higher interest rates. Denied applications. Slammed doors on cars, homes, and credit lines. Every 30 days you sit on a dirty report is cash leaving your pocket.
You hire a mechanic for your car. Hire specialists for your credit. We don't guide. We don't coach. We execute.
No setup fees. No upsells. No "premium tier." Other repair companies charge $129–$199 a month and lock you in for a year for less work. You get the full team, the full system, and the full Skool community for $99 flat.
Done-for-you credit repair plus private Skool community. We work your file. You watch the negatives come off.
You don't write a single dispute letter. You don't pull your own report. You don't "learn" anything. We pull your three-bureau file, build the strategy, fire the disputes, and start deleting items. You just watch the dashboard.
Medical bills, credit card collections, utility, repo collections. We attack every single one using FCRA, FDCPA, and method-of-verification challenges. You don't write one word.
Old Capital One, Synchrony, store cards, anything that's been written off. We dispute, escalate, and re-dispute until the line item is gone or fully verified.
Late marks are one of the biggest score killers on your report. We use goodwill campaigns, validation challenges, and direct furnisher disputes to take them off.
Unauthorized pulls. Soft-pull conversions. Stacked inquiries from auto or mortgage shopping. We go after every one of them on all three bureaus.
A senior specialist is assigned the same day you join. Round 1. Round 2. Round 3. We keep firing until your report is clean. No "set it and forget it."
Inside our private Skool community you ask your specialist directly, see other clients post wins in real time, and get real-human answers fast. You're never doing this alone.
Three steps. Zero homework. You never write a letter, learn dispute law, or do "research."
Activate your $99/mo membership inside Skool. You get instant access, your client portal, and a senior specialist assigned to your file the same day.
We pull your three-bureau report, flag every removable item, and start firing disputes that same week. You don't write anything. You just watch the dashboard.
Bureaus legally have 30 days to respond. Most clients see their first deletions between day 30 and day 45. We keep firing rounds until your report is clean.
Three out of 8,400+. Pulled straight from our case logs. Names changed where requested. Results vary by file. The pattern does not: real specialists, real disputes, real deletions.
"Three Cap One charge-offs and a Verizon collection that just would not die. I tried disputing them on my own and got nothing. I joined Legacy and their team took over the same week. Two charge-offs gone in 30 days. By week 11 I was approved for a $40K business line, from the same bank that denied me last March."
"I was about to give up on credit repair completely. I'd paid another company $159 a month for 7 months and got nothing off. I switched to Legacy at $99 and inside 60 days I had three collections, two charge-offs, and a repo gone. I literally cried when I saw the new report."
"My old repair company had me locked in at $129 a month for a year and gave me TWO deletions for it. I joined Legacy and inside the first 75 days I had nine items off. I should have made the switch a year ago. This team actually works your file."
You're not locked in. You're not signing a 12-month deal. We earn your $99 every single month by actually working your file. The day we stop delivering is the day you cancel inside Skool with one click. No phone call. No retention agent. No fine print. We keep working, or we don't keep your money.
We do the work. This is not DIY. This is not a course. You don't write letters. You don't learn dispute law. You don't "study" your report. You join, our team pulls your file, our specialists handle the disputes, and you log in to watch items disappear.
The bureaus legally have 30 days to respond once we file. Most clients see their first deletion between day 30 and day 45. By day 90, the average client has 8–14 items removed and a score 100–200+ points higher.
Collections, charge-offs, late payments, repos, hard inquiries, bankruptcies (in many cases), incorrect personal info, and outdated negatives. If it's on your report and it's questionable, inaccurate, or unverifiable, it's a target.
Because we built a leveraged model. Senior specialists, a battle-tested dispute system, and a community run on Skool that keeps our overhead low. We pass the saving to you. We'd rather have a thousand happy clients at $99 than a hundred angry ones at $199.
Absolutely. Everything we do is built on the FCRA, FDCPA, and FACTA. These are federal laws that give you the right to challenge anything on your report. We just know how to use those rights at scale.
That's most of our clients. Most repair companies fail because they send the same generic letter twice and give up. We use multi-round dispute strategies, CFPB escalation paths, and direct furnisher challenges. Different system. Different result.
Yes. Anytime. One click inside Skool. No phone call. No retention agent. No "we'll waive a month if you stay." You're free to leave whenever, which is exactly why we have to keep delivering every single month.
Just your three-bureau credit report (we'll show you exactly how to pull it for free) and your basic info. Onboarding takes about 10 minutes. Then we go to work the same day.
Keep waiting — and 90 days from now you'll be staring at the same denials, the same higher rates, the same closed doors. Or join today — and 90 days from now you'll have a senior team chipping items off your file every single round. Same 90 days. Wildly different result. $99 to start. Cancel anytime in one click.
Yes — start my repair · $99/mo → 🔒 Secure checkout · Instant access · Cancel anytime · 8,400+ clients