Legacy Financial Credit Restoration Intake Form

To effectively assist you with your credit repair journey, we require active credit monitoring.

 

$39.90/month after $1.00 charge and 7-day trial. 

https://myfreescorenow.com/enroll/?AID=LegacyFinancial&PID=28285

Please Note:

Credit monitoring is essential for tracking disputes, updates, and progress throughout the credit repair process. (These funds do not go directly to Legacy Financial).

By selecting your credit monitoring plan, you agree to maintain active monthly credit monitoring services throughout the duration of your credit restoration program.

Credit monitoring is required to ensure accurate reporting, timely dispute tracking, and consistent communication with the credit bureaus. Failure to maintain active monitoring may result in delayed updates, incomplete audits, or paused and/ or termination services.

INDIVIDUAL CREDIT RESTORATION

$650 flat rate for 6 months
One-time payment 

Best For: Clients with any level of negative accounts from inquiries and charge-offs to bankruptcies and public records.

What’s Included:

Full 3-bureau credit audit + onboarding session

Personal information updates (name, address, employment, etc.)

Monthly disputes for all negative accounts, including:

Collections

Charge-offs

Late payments

Hard inquiries

Evictions

Repos

Bankruptcies

Public records

Monthly progress updates

One progress check-in call at the midpoint (Month 3)

Full credit rebuild plan (secured cards, budgeting, credit mix)

No tradelines included

Access to client tools + credit education resources

✅ Includes everything needed to clean and rebuild.

 

From Rent to Mortgage: The Path to Homeownership Program – $1,200 (Individual, 6–12 Months)

• Full credit repair + monthly disputes
• Personal info cleanup (name, addresses, employers)
• Disputes for all negative accounts (collections, charge-offs, inquiries, lates, repos, evictions, bankruptcies, public records)
• Personalized budget + savings plan
• Lender readiness checklist
• Pre-approval prep + income-to-debt strategy
• Secure card & credit builder vendor list
• Monthly progress tracking + 1:1 support
• Optional lender referral (if available in your state)

✔ Flat rate: No monthly fees
✔ No tradelines included

From Rent to Mortgage (Couples Package) – $1,400 (6–12 Months)

Includes full audit, restoration, and rebuild coaching for *two individuals*:

• Credit audits for both partners
• Disputes for all negative items (each person)
• Joint and individual budget planning
• Lender readiness + couples credit coaching
• 2 check-in calls (start + finish)
• Secure card + vendor guidance for both
• CFPB escalation prep if needed

✔ Ideal for couples building toward joint homeownership
✔ Flat rate includes both partners 

By selecting a package or service, you agree to the following terms:

 

Payment Policy:

All credit restoration services are billed as flat-rate packages based on your selected level of support. Each package includes full monthly disputes, credit education, and client support throughout the agreed service period.

Individuals: $650 flat rate for up to 6 months

Homeownership Program: “From Rent to Mortgage: The Path to Homeownership”  $1,200 for individuals / $1,400 for couples (6–12 month duration)

 

Payment Terms (Service Agreement Section)

 

Due Dates:

Payment is due immediately to begin services

 

Missed Payments:

Missed or delayed payments may result in paused services, late fees, or termination of your credit restoration agreement.

Non-Refundable Policy:

All payments made toward credit services are non-refundable, as time and resources are invested immediately upon enrollment.

Acknowledgment Required:
Clients must sign the agreement and agree to the payment terms before work begins. Payment reminders may be sent via email or text.

 

Tax Preparation Adjustment Option:

Clients filing their taxes with Legacy Financial may choose to:

1. Deduct credit repair fees from their tax preparation fee.
2. Pay for credit repair services separately.

Bundled Services Policy:

If bundled services (e.g., tax preparation, credit repair, budgeting consultations, business credit setup) are selected, the full bundle fee must be paid upfront or deducted as part of your tax prep fee.

 

Service Timeline:

All credit repair services will begin after payment is received and the onboarding process is complete. 

All packages require a signed agreement before work begins.

Each round of disputes takes 30–45 days for responses from bureaus.

Results depend on credit history, bureau responses, and document availability.

No results are guaranteed, but every file is treated with care, accuracy, and full transparency.

This Engagement Letter and Terms and Service Agreement ("Agreement") is entered into between Legacy Financial ("Company", "we", "our", "us") and the Client ("Client", "you", "your"). By signing this agreement, you agree to the following terms and conditions.

1. Services Provided:
Legacy Financial offers credit repair services, including but not limited to credit report analysis, dispute services, financial counseling, and other related financial services as per the agreed package. These services will be provided in accordance with applicable laws and regulations.

2. Payment and Fees:
Client agrees to pay for the services as outlined in the service agreement. All fees are due as per the agreed-upon schedule. A detailed fee structure will be provided prior to service commencement. 

3. Refund Policy:
All fees paid for credit repair services are non-refundable once services have commenced. This includes any fees paid for credit report analysis, disputes, or any other related financial services provided by Legacy Financial. This policy is strictly enforced in accordance with industry standards and applicable laws.

4. No Guarantees:
While Legacy Financial will make every effort to improve your credit situation, we do not guarantee any specific results, including but not limited to the removal of negative marks from your credit report or a specific improvement in your credit score. Credit repair is subject to individual circumstances and the practices of credit bureaus, and results may vary.

5. Client Cooperation:
Client agrees to provide all necessary information, documentation, and cooperation required for Legacy Financial to effectively perform credit repair services. Failure to provide accurate, complete, or timely information may hinder the progress and effectiveness of the services.

6. Privacy and Confidentiality:
Client's personal and financial information will be treated with the utmost confidentiality and will only be used for the purpose of providing the agreed-upon services. Legacy Financial will not disclose any personal information to third parties without the Client's express consent, except where required by law or as necessary for service performance.

7. Cancellation and Refunds:
While clients have the right to cancel the agreement at any time, they will still be responsible for payment for any services rendered up to the point of cancellation. No refunds will be issued for services already provided or in progress at the time of cancellation.

8. Limitation of Liability:
Legacy Financial will not be held liable for any damages, losses, or expenses incurred by the Client as a result of using our services, except in cases of gross negligence or willful misconduct. Legacy Financial’s total liability is limited to the amount the Client has paid for services.

9. Agreement Modification:
Legacy Financial reserves the right to modify these terms and conditions at any time. Any changes will be communicated to the Client, and the modified terms will be effective upon notification. It is the Client's responsibility to stay informed of any updates.

10. Governing Law:
This Agreement is governed by the laws of the state of Louisiana, without regard to its conflict of laws principles. Any legal action arising from this Agreement will be brought in the appropriate court in Louisiana or the appropriate jurisdiction for the Client, as applicable.

11. Ghosting Clause:
Client agrees to maintain open communication with Legacy Financial during the service period. If the Client fails to respond to requests for information, updates, or communication from Legacy Financial for a period of 14 consecutive days, the Client’s account will be considered "inactive" or "ghosted." In such a case, Legacy Financial reserves the right to suspend services and retain any fees already paid. No further services will be rendered until the Client re-establishes communication and resumes payments if applicable.

12. Defamation Clause:
Client agrees not to make any defamatory statements, whether verbal or written, regarding Legacy Financial, its services, employees, or any affiliates. Should the Client post or distribute negative, false, or misleading information that defames the reputation of Legacy Financial, the Company reserves the right to pursue legal action for damages, including but not limited to reputational harm, business loss, and emotional distress. This clause applies to any form of public communication, including but not limited to social media, online reviews, and direct communications with others.

13. Additional Terms:

Client Acknowledgment: By signing this agreement, the Client acknowledges that they have read, understood, and agree to the terms outlined herein, including the non-refundable fee policy.