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Serving Clients Nationwide
Up-to-Date on Latest IRS Regulations
Secure & Confidential Filing
WHERE FINANCIAL GROWTH MEETS LEGACY BUILDING
Building Stronger Credit. Creating Lasting Legacies.
A&A Legacy Financial was built on one belief: your financial past shouldn’t determine your financial future. Everyone deserves a clear, personalized path toward stronger credit, greater confidence, and opportunities that can create a lasting legacy.
We take a detailed look at your credit profile across all three bureaus, identify questionable or inaccurate items, and develop a strategy based on your unique credit situation, not a one-size-fits-all approach.
At A&A Legacy Financial, every client is treated with care, transparency, and attention to detail. Our goal goes beyond addressing what’s on your credit report today, we’re here to help you build a stronger financial foundation for the opportunities you want tomorrow.
Better credit is only the beginning. The legacy you build with it is what matters.
What We Can Remove
✗ FORECLOSURES
✗ REPOSSESSIONS
✗ STUDENT LOANS
✗ CHILD-SUPPORT
✗ LATE PAYMENTS
✗ CHARGE-OFFS
✗ BANKRUPTCIES
✗ MEDICAL BILLS
✗ COLLECTIONS
✗ PUBLIC RECORDS
✗ JUDGMENTS
✗ HARD INQUIRIES
Choose Your Package
Important Note for All Plans: You must maintain your 3-Bureau Credit Monitoring Account throughout the entire process or we will be unable to continue with your disputes and/or provide results.
3 Months Plan
WAS: $225
ONLY $99
Perfect for clients who are just looking to get started and/or have very minimum derogatory items on their file.
What's Included:
Private onboarding experience
Direct client portal access & private communication
Done-For-You credit restoration
6 Rounds/Months of Aggressive Disputes
Unlimited monthly disputes for as long as you're subscribed
Credit builder recommendations
Monthly progress reports
Client portal & mobile app to track results
6 Months Plan
WAS: $550
ONLY $299
Perfect for clients who have a more complex file
What's Included:
Private onboarding experience
Direct client portal access & private communication
Done-For-You credit restoration
6 Rounds/Months of Aggressive Disputes
Unlimited monthly disputes for as long as you're subscribed
Credit builder recommendations
Monthly progress reports
Client portal & mobile app to track results
How Our Process Works
Getting started is simple. Follow the steps below to activate your account and let our team get to work on your credit restoration journey.
01
Choose Your Credit Restoration Package
No two credit profiles are the same, which is why we offer multiple credit restoration options to fit your individual needs and goals. Whether you choose our affordable monthly membership, a multi-round restoration package, or our Executive Priority experience, you’ll receive a personalized strategy, professional support, and the guidance needed to help you work toward a stronger credit profile.
02
Activate Your 3 Bureau Credit Monitoring - MANDATORY TO GET STARTED
* Must be activated immediately after purchase ($30/Month) -- Link is provided during onboarding.
* We cannot access or work your credit without it. Must Remain Active the entire duration of your repair process.
03
Complete Onboarding - MANDATORY TO GET STARTED
Required Documents (Non-Negotiable):
* Valid Government ID
* Social Security Card / SSN
* Proof of Address (dated within last 30 days)
Acceptable forms of proof of ADDRESS:
Utility bill · Bank statement · Lease or mortgage statement
Real Clients. Real Results.
1. HOW LONG DOES IT TAKE TO REPAIR MY CREDIT?
You will typically begin to see results within 45 days. The Credit restoration process could take anywhere from 4-6 months for majority of people depending on the individual credit profile. However , each client file is unique and results vary. Credit repair is a process that can't be rushed. We are backed by our 180 day money back guarantee if there are NO removals of any unverifiable, erroneous, inaccurate accounts.
2. CAN YOU REMOVE ANYTHING FROM MY CREDIT REPORT?
We don't make any promises. We can only fight to remove any items that fall under the guidelines of the FCRA. These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous. However, we have been successful in removing items such as: Collections/Charge offs, Inquiries, Late payments, Bankruptcy’s, Repos, Medical Bills, Child Support, and ETC!
3. WILL THE REMOVED ITEMS COME BACK?
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.
4. WHAT MAKES YOU DIFFERENT THAN OTHER COMPANIES?
We don’t just send dispute letters, we educate our clients on how to properly build and structure their credit. Our company is backed by an excellent track record of not only getting results, but providing quality customer service and support. We Truly care about you and your credit and will ensure at the end of our program, you have gained the financial literally to maintain your credit and let your credit work for you! Credit is wealth.
5. HOW SOON WILL I SEE RESULTS?
By law, credit bureaus have 30-45 days to respond to disputes and an additional 7 days to mail you the results. Typically clients can see results in 30 days.
6. HOW LONG WILL IT TAKE TO HAVE GOOD CREDIT?
Since everyone credit situation is not the same, we dont have a definite answer for that. Depending on your credit situation, if you are disciplined & consistent you will reach your credit goals. We recommend you start sooner than later. Please don't wait until you need a new house or car to start the process. Great credit takes time and can't be rushed.
7. WHAT ARE YOUR GUARANTEES?
By law, credit repair companies can not guarantee a specific score increase or removal of accounts. Our guarantee is that we are very knowledgeable about credit laws & we will work with the credit agencies to ensure that your credit report represents your correct credit status. We do promise to work very hard and diligently to help you reach your credit goals.
8. CAN I PAY TO JUST REMOVE 1 ITEM OFF MY CREDIT REPORT WITHOUT JOINING THE PROGRAM?
Unfortunately you can't. You must sign up and complete the credit restoration program.
9. DO I HAVE TO BOOK A CONSULTATION BEFORE PURCHASING/SUBSCRIBING TO YOUR CREDIT RESTORATION PROGRAM?
Consultations are not required, only optional. You can begin your credit journey today!
10. WHICH CREDIT RESTORATION PACKAGE IS RIGHT FOR ME?
We understand that every credit profile is different, which is why we offer multiple credit restoration options to fit a variety of goals and budgets.
If you’re unsure which option is best for your situation, don’t worry. Our team is happy to help you choose the package that best aligns with your credit goals before you enroll. Please Note: Consultations are optional and NOT required to get started.