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LAST UPDATED: October 10th, 2019

With over 24 years of combined industry experience, Legacy Legal seeks to provide its customers with an impressive array of credit-related services, including credit education, identity theft repair and protection, debt validation, and credit repair. Legacy Legal has been working with a consumer law attorney for over 14 years, providing a high level of expertise. Its programs are competitively priced; however, customers will need to pay for their own periodic credit reports, which can be costly in the long-run.

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The Good

  • Low Monthly Price
  • Discounts Available 

Legacy Legal offers a full range of services to meet nearly every credit-related need. In addition to unlimited credit disputes, 24/7 online access, and free phone support (Standard Package), the company also provides supplemental identity theft protection, debt validation, and attorney-assisted letters to creditors (Fast Track! Package). The Fast Track! Package also includes a 10% military discount and 15% couples discount, which can save customers between $8 and $12 each month.

Low Monthly Price

Both of Legacy Legal's credit repair packages are competitively priced.

Discounts Available

Military (10%) and couples (15%) discount available with the Fast Track! plan.


The Bad

  • Does Not Pay for Credit Reports

While the company provides an impressive array of credit repair features, it does fall behind other companies is certain areas. For example, Legacy Legal does not provide customers with periodic, updated credit reports, but rather requires customers to pay for these reports themselves. Something else customers should keep in mind is that the service warranty will only take effect after the first 12 months-meaning customers cannot apply for a full or partial refund until a year after signing with Legacy Legal.

Does Not Pay for Credit Reports

The company relies on customers to provide their own periodic credit reports.


The Bottom Line

Legacy Legal provides credit repair to match top companies in the industry. The company even provides a list of proven results on its page in which it has resolved tax liens, late payments, foreclosures, and more. But while the company provides a wide array of services for an affordable price, customers are responsible to pay for their own credit reports. Meanwhile, the service warranty will only apply after the first 12 months.

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5 Reviews

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Jilaine C Salt Lake City, UT

Amazing customer services the staff are so nice and WANT to help you in anyway they can.. I love how it was explained to me when I asked about the process and how successful they are, one of the Paralegals said "I would say 95% of my clients are happy with the works that's been performed and then you have 5% of people that just aren't happy with anything." Haha I love that because it's real and so true, I'm sure everyone knows a person like that. I really didn't know if or how much they could really help me, but I was so happily surprised they helped me get my credit cleared up enough to by my first home! They were able to removed a lot of things I didn't think could be taken off, and they helped teach me how to build my credit and get my scores up, I was in the 500's and ended up with a 732 when I bought my house! I can't say enough good things about Legacy Legal, they truly helped me! I have and will continue to refer friends and family to them. I love the lifetime membership they have too, I really hope I don't need their help again but if I ever do I know they will help me in anyway they can!! Thank you! Thank you! Thank you!

6 years ago

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Dirk Bradford Seattle, WA

Great People , Great Service!!! They helped me figure out what I was doing wrong, got my scores up to 755! Now I can get the mortgage with the interest rate I wanted. Thank you!

7 years ago

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Joshua Rollins Salt Lake City, UT

Long story short, Legacy did an incredible job for me. They helped raise my credit scores from the low 600's to 769. This made it so I could refinance my house and get the best rates out there. Thank you

8 years ago

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Arman Fountain Valley, CA

Will go out of their way to make sure they fulfill the service and get you the proof.

4 years ago

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Jeff Wherrett Tacoma, WA

Horrid service. They use a third party to pull a HARD inquiry against all three CRAs. HUH? I used them for ~5 months. Complete waste of money and time. Customer service was anything but helpful.

7 years ago