E&L Legacy Group
Referred byGrace Auto Group
E&L Legacy Group
Grace Auto Group referred you to E&L Legacy Group, an independent credit services company. We’ll review your reports from all three credit bureaus and walk you through what may be affecting your credit and how we can help you repair it.
Get My Free EvaluationLenders look at your credit when deciding on approval, interest rate, and monthly payment.
Get My Free EvaluationFour simple steps. You decide after step three.
Submit your info below. You'll get a text and an email from us. Please reply to the text so we can move forward.
During onboarding you'll order your 3-bureau reports through CreditHero ($1 for the first 7 days) so we can review them.
We record a personal video walkthrough of your credit and recommended next steps.
If you choose to move forward, we challenge inaccurate, unverified, or outdated reporting.
Collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, evictions, medical collections, 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If information on your credit report is inaccurate, incomplete, outdated, or doesn’t belong to you, we can help you dispute it.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.
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.)
Charged after your credit evaluation if you move forward. If you don’t wish to continue, just let us know by text or email.
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.
Questions? Email team@ellegacygroup.com
Straight answers before you get started.
No. E&L Legacy Group is an independent credit services company. Grace Auto Group refers customers to us, but your credit work is handled entirely by our team.
No. Reviewing your reports with us is a soft inquiry, which does not affect your score.
No. We can't guarantee any change to your credit or any financing decision. Approval and rates are decided by lenders. Our goal is to help make sure your credit report is accurate and to help you build positive history.
Your video evaluation is free. Your 3-bureau reports cost $1 through our credit monitoring partner during onboarding. See What it costs above or our Services page for everything that applies if you choose to move forward.
Results and timelines vary. We recommend allowing 6–8 months to evaluate your progress.
We dispute information that is inaccurate, incomplete, outdated, or doesn't belong to you. Accurate information can't be removed just because it's negative.
Important: 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.
E&L Legacy Group is independent of Grace Auto Group. Grace Auto Group does not provide credit repair services and is not responsible for our services. A referral does not affect your eligibility for financing at Grace Auto Group, and approval and rates are decided by lenders.