Introduction

Welcome to Legacy Financial Solutions. By enrolling in our services, you agree to these Terms of Service and our Privacy Policy. Please read them carefully, as they outline your rights, responsibilities, and our obligations.

We comply with all applicable laws, including the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and relevant state consumer protection laws.

Services Offered

We offer:

• Credit report analysis
• Disputing inaccurate, unverifiable, or outdated items with credit bureaus and creditors
• Financial literacy and credit education
• Debt management and budgeting guidance
• Authorized user tradeline consulting (if applicable)

We do not:

• Guarantee a specific credit score increase
• Remove accurate, current, and verifiable information
• Provide legal advice (non-attorney)

Client Responsibilities

By signing up, you agree to:

• Provide accurate, complete information to assist in credit repair
• Maintain active credit monitoring (we recommend all 3 bureaus)
• Forward any correspondence from credit bureaus or creditors within 5 business days
• Keep all scheduled payments up-to-date
• Avoid applying for excessive new credit during your program unless discussed

Payment & Cancellation

• Setup Fee: $50.00 (Bronze) $75.00 (Silver) (billed after first work is performed)
• Monthly Fee: $ 79.99 (Bronze) $119.00 (Silver) (billed after services for the month are performed)
• You may cancel at any time by written notice (email is acceptable)
• Per CROA, you will only be billed for work already performed.

Disclaimers

• Credit repair results vary based on individual credit history and participation.
• We cannot control credit bureau or creditor response times.
• Legacy Financial Solutions is not a law firm and does not provide legal representation.

Privacy Policy

We value your privacy. This section explains how we collect, use, and protect your information.

Information We Collect

• Personal identification (name, address, date of birth, SSN)
• Credit report details from all major credit bureaus
• Payment and billing information
• Communication records between you and our company
• How We Use Your Information
• To deliver credit repair and related services
• To communicate about your account
• To dispute inaccurate information with credit bureaus and creditors
• To comply with legal obligations
• How We Protect Your Information
• Encrypted data storage and secure systems
• Restricted staff access to sensitive information
• Compliance with GLBA, FCRA, and applicable state laws

Sharing Your Information

We may share information:

• With credit bureaus, creditors, and necessary service providers for dispute purposes
• As required by law or court order
• Only with your written consent for other purposes

We may update this Privacy Policy from time to time. Updates will be posted on our website and the effective date will be updated.

Your Rights Under Federal Law

CROA: You have the right to cancel services within 3 days without penalty.
FCRA: You have the right to dispute inaccurate information on your credit report at no cost directly with credit bureaus.
GLBA: Your non-public personal information will not be sold or shared without your consent.

Governing Law

These terms are governed by the laws of the State of Mississippi. Any disputes shall be handled in the appropriate courts of Forrest County, Mississippi, unless otherwise agreed.

Client Acknowledgement & Agreement

(In Compliance with the Credit Repair Organizations Act (15 U.S.C. § 1679) and Fair Credit Reporting Act (15 U.S.C. § 1681))

By signing below, I acknowledge and agree that:

• I have received, read, and fully understand the Terms of Service and Privacy Policy provided to me by Legacy Financial Solutions.
• I understand that Legacy Financial Solutions is a credit services organization as defined under the Credit Repair Organizations Act (CROA), and that all services will be provided in compliance with applicable federal and state laws, including CROA and the Fair Credit Reporting Act (FCRA).
• I understand that Legacy Financial Solutions cannot and does not guarantee any specific results or improvement in my credit score or credit profile.
• I understand that I have the right to dispute inaccurate, unverifiable, or obsolete information on my credit reports with the credit bureaus and furnishers, and Legacy Financial Solutions will assist me in exercising this right in accordance with the FCRA (15 U.S.C. § 1681i, § 1681s-2).
• I acknowledge that I have been provided a copy of the “Consumer Credit File Rights Under State and Federal Law” disclosure, as required by CROA.
• I understand I have the right to cancel this agreement without penalty or obligation within three (3) business days from the date signed, as provided in the CROA “Right to Cancel” notice.
• By signing this document, I confirm that I have read, understand, and agree to all terms stated herein and wish to proceed with the services described.