Denied for a Car Loan? Need Better Credit Before Buying a Home? Turned Down for Financing? Is Your Credit Holding You Back? Planning to Buy a House This Year? Getting High Interest Rates Everywhere? Credit Keeping You From Starting a Business? Need Better Credit for Business Funding? Applying for a Card but Getting Denied? Trying to Rent an Apartment? Credit Matters. Want to Refinance but Can't Qualify? Getting Rejected for Personal Loans?

Real Credit Repair.
Real Results.

We remove inaccurate collections, charge-offs, late payments and more — then rebuild your score. Done-for-you, FCRA-compliant, and proven across thousands of clients.

Get Your Free Analysis → ► Watch Kenisha's Story

✓ Free 3-bureau analysis  ·  ✓ No obligation  ·  ✓ 100% confidential  ·  ✓ Zero score impact

A+BBB Accredited
9,000+Clients Served
FCRA100% Compliant
Kenisha Johnson, Founder of Legacy Credit Repair
Kenisha JohnsonFounder · Legacy Solutions
Kenisha Johnson — founder of Legacy Credit Repair & Legacy Tax Solutions
★
5+ YearsCredit & Tax Strategy
Meet the Founder

The Woman Behind Legacy
Kenisha Johnson

Founder of Legacy Credit Repair & Legacy Tax Solutions, Kenisha is a credit and tax strategist with over five years of experience. She has helped thousands restore their credit and trained 200+ tax professionals to build real, scalable businesses.

It's all built on one belief: your past should never define your future. Every client gets the same white-glove standard she built her name on — discretion, accountability, and results that last.

★ 9,000+ Clients Restored ★ 200+ Pros Trained ★ 5+ Years Experience
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Transparent Pricing

Simple Plans, No Surprises

No hidden fees. No long contracts. Cancel anytime. Choose the level of service that fits your goals.

Essential

For straightforward profiles ready to clean up.
$99$77/ month
Limited-time special · + $149 one-time setup
  • ✓ All 3 bureaus monitored
  • ✓ Unlimited disputes
  • ✓ Monthly progress reports
  • ✓ Email & chat support
Get Started

No card required to start

Signature

Our most popular — full-service restoration.
$179/ month
+ $199 one-time setup
  • ✓ Everything in Essential
  • ✓ Dedicated credit advisor
  • ✓ Creditor interventions
  • ✓ Live dashboard & alerts
  • ✓ Credit-building roadmap
Get Started

Most clients choose this plan

Legacy Elite

White-glove credit + tax, fully managed.
$349/ month
Custom onboarding
  • ✓ Everything in Signature
  • ✓ Priority escalation
  • ✓ Integrated tax strategy
  • ✓ Premium tradeline guidance
  • ✓ Direct advisor line
Get Started

Concierge onboarding included

Money-Back Guarantee Cancel Anytime No Impact to Your Score Dedicated Advisor
Not sure which plan? Get a free analysis →
► Watch · A note from Kenisha
Hear It From Kenisha

A Personal Message From Our Founder

In just a couple of minutes, Kenisha walks you through the packages we offer, the real results our clients see, and why credit monitoring is the key to protecting everything you build.

  • ✓ The packages we offer — find the right fit for your goals
  • ✓ Real results & client feedback — what clients actually experience
  • ✓ Why credit monitoring matters — protect your progress for good
View Packages → Book Free Consultation
What We Do

Credit & Tax Solutions Built for You

Two pillars, one outcome: a financial reputation that opens doors and protects your wealth. Everything below is fully managed for you.

Report Analysis

Forensic, line-by-line review of all three bureau reports to find every removable item.

Dispute Letters

Custom, FCRA-grounded disputes to bureaus and furnishers — never generic templates.

Multi-Round Disputes

Round-after-round escalation with method-of-verification demands until items delete.

Score Improvement

Utilization optimization and positive tradeline guidance to raise your score and hold it.

Tax Relief

Settle back taxes, stop levies and garnishments, and negotiate directly with the IRS.

End-to-End Support

A dedicated advisor and live dashboard keep you informed at every deletion and milestone.

The Legacy Method

A Process Engineered for Results

Four deliberate phases. Fully transparent, entirely done-for-you — you watch every milestone land in real time.

1
Days 1–3

Deep Audit

We pull all three bureau reports and forensically analyze every line for errors, FCRA violations, and leverage.

3-bureau forensic review
2
Week 1

Custom Strategy

A tailored dispute and tax roadmap built around your goals — a mortgage, a business, or a clean slate.

Personalized game plan
3
Ongoing

Execute & Escalate

Round-after-round disputes, method-of-verification demands, and creditor interventions until items are deleted.

Relentless follow-through
4
Lifetime

Build & Protect

We rebuild positive history and lock in tax strategy so your score climbs — and your gains compound for years.

Lasting financial legacy
Start Phase One — Free → No contracts · cancel anytime · money-back guarantee
Why Legacy

White-Glove Service the Industry Forgot

You get a dedicated advisor, real accountability, and a dashboard that shows every deletion the moment it lands. No call-center scripts. No empty promises.

  • ✓ Dedicated credit & tax advisor — not a queue
  • ✓ 100% FCRA & IRS-compliant methodology
  • ✓ Real-time dashboard & deletion alerts
  • ✓ Money-back guarantee on results
Recent Deletions
Collection — Midland$4,210 · Equifax
Removed
Charge-Off — Capital$8,940 · TransUnion
Removed
Late Payment ×3Experian
Removed
Hard InquiryPending verification
In Progress
Questions, Answered

Clarity Before Commitment

Most clients see their first deletions within 30–45 days. Meaningful score movement typically appears within 60–90 days, with full transformation over 4–8 months depending on your profile.

Absolutely. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any inaccurate, unverifiable, or unfair item on your report. We exercise those rights aggressively and professionally on your behalf.

In many cases, yes. Through Offer in Compromise, installment agreements, penalty abatement, and currently-not-collectible status, our tax team negotiates directly with the IRS to reduce or restructure what you owe.

We offer transparent monthly options starting at $77/month. Your exact pricing is confirmed after your free consultation. No hidden fees, ever.

Yes. If we don't secure deletions within our agreed timeframe, you're protected by our money-back guarantee. We only win when you do.

Your Future Is Waiting

Stop Renting Your Life. Start Owning It.

Every day you wait is a day your old credit costs you money. The first step is free, confidential, and could change everything.

Book My Free Consultation →