Next Steps & Onboarding

  • Soft inquiry only
  • All 3 credit bureaus
  • Free video evaluation
  • Cancel anytime

In case you missed the breakdown and cost, please review below.

  1. Get started

    Submit your information and get your reports from all 3 credit bureaus for $1 during the onboarding.

  2. We review your credit

    We check all 3 credit bureaus for:

    • Errors & violations
    • Inaccurate information
    • Negative accounts
    • Anything hurting your credit unfairly

  3. Allow some time for the evaluation

    Free recording of your Credit Evaluation

    We record a personal screen walkthrough of your credit report and send it to you, covering:

    • Your full credit evaluation
    • Explanation of disputable items
    • Recommended next steps

    After this step, you can decide not to move forward — you only risk the $1

  4. Credit repair begins

    Ongoing updates

    Once your audit is complete, we challenge negative items using consumer protection laws. We challenge:

    • Inaccurate reporting
    • Unverified accounts
    • Negative accounts
    • Potential reporting violations

    Credit building is important during this process. We will share information on how to build credit as well.

What can we help you dispute?

Collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, accounts that aren’t yours, incorrect balances, duplicate accounts, unauthorized hard inquiries, incorrect payment history, wrong account status, closed accounts reported as open, paid accounts reported as unpaid, incorrect credit limits, wrong dates, debts reported too long, incorrect names or addresses, and more.

If information on your credit report is inaccurate, incomplete, outdated, or doesn’t belong to you, we can help you dispute it. Accurate information cannot be removed simply because it’s negative.

What It Costs

$0 today from E&L
$1 credit reports through Credit Hero Score

Please note: Credit Hero Score monitoring is required for your free credit evaluation and throughout your ongoing credit repair service. Your personal video credit evaluation from E&L is free.

(Billed separately by Credit Hero Score. Monitoring is $19.99/mo after the trial unless canceled.)

Billed by E&L Legacy Group
$149 One time

Setup fee

Charged after your credit evaluation if you move forward. If you don’t wish to continue, just let us know by text or email.

$97/mo

Ongoing credit service

Starts 30 days after you pay your setup fee. Includes credit repair services and ongoing disputes. Cancel anytime.

*Credit Monitoring is required for ongoing services.

See how we can help. Then decide.

No credit repair company can guarantee results.

Results and timelines vary. We recommend allowing 6–8 months to evaluate your progress.

You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost.

Questions?

Reply to our message or email us and we'll get back to you.