Frequently Asked Questions

How much does it cost to repair my credit?


Our credit repair program cost are pretty simple and straight forward. You have 2 options, choose the letters specific to your needs with very little fee. Or you can work with a credit repair specialist to strategize a unique credit repair plan for you.




Is it worth the money to repair my credit?


Your credit scores are the 3 most important numbers to identify your financial characters and risks. Prime Legacy give you 3 different options to repair your credit. Choose a plan that suits your needs.




How can I raise my credit score in 30 days?


The quickest way to increase your in 30 days is paying down your current debts to lower credit to limit ratio (10%). Correct any frivilous errors on your credit report that might effect the scores. Pay your bills on time, especially car payment and mortgage payment. If you want to be aggressive on your dispute, choose an option above and let's increase your score.




Can a credit repair company really help?


Yes, we are Registered & Bonded with the Secretary of State of California. We develop a winning strategy to remove negative items to increase your scores or we refund your fee. Simple as that.




How can I raise my credit score 100 points?


The quickest way to increase your credit score is to remove or delete negative accounts from your credit report. Such as, Collections, Charge-Offs, Bancruptcy, Tax Liens, Student Loans, etc...




Will paying off collections improve credit?


Depend on a lot of different factors. Once you paid off the collection, the balance will state "0" on your credit report account. However, the collection account will remain visible on your credit report. Which won't help you increase your credit score as much. Contact our credit specialist to find out more.




Can I pay someone to fix my credit score?


Yes, as long as you choose a credit repair agency that is Registered & Bonded. They provide clear strategy and transparency on how to increase your scores or remove the negative items. When working with the #1 Credit Repair Service in Westminster, CA you will have a piece of mind that we deliver results or money back guaranteed.




What is a good credit score to buy a car or real estate?


The higher your credit scores with the 3 major credit reporting agency (Equifax, Experian, TransUnion) the better interest rate or offers you will receive. For real estate purchase, it's a bit more complicated than just credit score. However, the rule of thumb is that between the 3 scores, the lender will choose the middle score to prevent bias or discrimination. We specialize in this aspect of your needs. Contact us today to find out more.




Can I cancel my service at any time?


Yes, you can cance your service at any time during the credit repair agreement. Cancellation with 5 days of enrollment in writing will be refund.




What is your refund policy?


We offer a 60-day money back guarantee for the "letter package options".




Is Credit Repair Service legal?


It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. This law is the basis of all credit repair and the foundation of our business.





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