Reclaiming Your Legacy.
We Don’t Fix Scores — We Build Legacies
E&L Legacy Group is a credit repair company dedicated to restoring your credit, protecting
your name, and rebuilding the legacy you deserve. We use real strategies, real laws, and real results to help you take back control of your financial future.
Reclaiming Your Legacy.
We Don’t Fix Scores
We Build Legacies
E&L Legacy Group is a credit repair company dedicated to restoring your credit, protecting your name, and rebuilding the legacy you deserve. We use real strategies, real laws, and real results to help you take back control of your financial future.
Start a
business
stop living in fear
of a credit pull
Buy a
home
Get approved
for a loan
Why Choose El Legacy?
Built on Law. Backed by Strategy. Driven by Results.
Because We’re Not Just Fixing Credit — We’re Rebuilding Reputations. We treat every file like it’s personal, because it is. Your credit tells a story — and we make sure it ends in a comeback, not a setback.
We Don’t Guess — We Investigate.
We Use the Law — Not Luck.
We Strategize in Rounds.
We Protect Your Name Like It’s Ours.
We Don’t Just Fix Credit — We Change Lives.
Why Choose El Legacy?
Built on Law. Backed by Strategy. Driven by Results.
Because We’re Not Just Fixing Credit — We’re Rebuilding Reputations. We treat every file like it’s personal, because it is. Your credit tells a story — and we make sure it ends in a comeback, not a setback.
We Don’t Guess — We Investigate.
We Use the Law — Not Luck.
We Strategize in Rounds.
We Protect Your Name Like It’s Ours.
We Don’t Just Fix Credit — We Change Lives.
OUR SERVICES
Strategic. Legal. Built to Win.
Credit Report Audit & Violation Detection
Credit Coaching & Score Building Strategies
FCRA-Compliant Dispute Letter Processing
OUR SERVICES
Strategic. Legal.
Built to Win.
Credit Report Audit & Violation Detection
Credit Coaching & Score Building Strategies
FCRA-Compliant Dispute Letter Processing
Not sure what’s
hurting your score?
We help you clean up your credit by challenging negative items that may be holding you back — like collections, late payments, and charge-offs.
Collections
We Use the Law — Not Luck.
Charge-Offs
Repossessions
Evictions
If it’s inaccurate, unfair, or unverifiable — it’s got to go.
Bankruptcy
Student Loan
Identity Theft Accounts
Inquiries Without Permission
Not sure what’s
hurting your score?
We help you clean up your credit by challenging negative items that may be holding you back — like collections, late payments, and charge-offs.
Collections
Charge-Offs
Repossessions
Evictions
Inquiries Without Permission
Student Loan
Identity Theft Accounts
Bankruptcy
If it’s inaccurate, unfair, or unverifiable — it’s got to go.
Our Process is Simple:
faq's
Questions? Look here.
Is credit repair legal?
Yes — 100% legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any inaccurate, outdated, or unverifiable information on your credit report. We just make sure it’s done right, backed by federal law.
How long does it take to see results?
Most clients start seeing changes in 30 to 45 days, but timelines vary depending on your file. Real credit repair isn’t overnight — it’s legal, strategic, and worth the process.
Can you remove collections, charge-offs, or inquiries?
Yes — if they’re inaccurate, outdated, or can’t be verified, we challenge them. We’ve removed collections, repossessions, charge-offs, late payments, and unauthorized inquiries. If it’s hurting your score unfairly, we go after it.
Will deleted items come back?
Not if they were removed correctly. When we get an account deleted, it’s because it couldn’t be verified under the law. That means it shouldn’t come back — and if it does, we go right back after it.
What if my credit is really bad?
Perfect — that means there’s more room to fix. We’ve helped clients with scores in the 400s get back in the game. It’s never “too bad” to start.
faq's
Questions? Look here.
Is credit repair legal?
Yes — 100% legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any inaccurate, outdated, or unverifiable information on your credit report. We just make sure it’s done right, backed by federal law.
How long does it take to see results?
Most clients start seeing changes in 30 to 45 days, but timelines vary depending on your file. Real credit repair isn’t overnight — it’s legal, strategic, and worth the process.
Can you remove collections, charge-offs, or inquiries?
Yes — if they’re inaccurate, outdated, or can’t be verified, we challenge them. We’ve removed collections, repossessions, charge-offs, late payments, and unauthorized inquiries. If it’s hurting your score unfairly, we go after it.
Will deleted items come back?
Not if they were removed correctly. When we get an account deleted, it’s because it couldn’t be verified under the law. That means it shouldn’t come back — and if it does, we go right back after it.
What if my credit is really bad?
Perfect — that means there’s more room to fix. We’ve helped clients with scores in the 400s get back in the game. It’s never “too bad” to start.
Credit repair company that fights
for your financial freedom.
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FAQ's
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Our Services
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NAVIGATION
Contact Us
FAQ's
Get Started
Our Services