Now accepting new clients
Repair the report.
Rebuild the legacy.
Legacy Builders is a credit repair practice built around clean disputes, clear communication, and credit education. We audit your reports, challenge inaccurate items with the bureaus, and guide you through the habits that keep your credit healthy for good.
No upfront promises, no inflated scores. Just structured work.
Average lift
+60 to +120
points over 3 to 6 months
CFPB ready
Every active client maintains a CFPB account.
Built around you
Every plan is tailored to the items on your report. No template disputes.
The numbers
A practice built on follow through.
Over the years, Brandon has helped clients navigate different financial challenges, from purchasing their first home to rebuilding personal and business credit. The work remains consistent because the process is structured, proven, and designed to deliver results.
10K+
Disputes filed for clients
6
Years guiding consumers
94%
Client satisfaction rate
25K+
Items challenged
About Legacy Builders
Credit work that respects your time and your file.
Legacy Builders was founded by Brandon Latimer to do credit repair the way it should be done: slow enough to be accurate, structured enough to be defensible, and honest enough that you always know where your case stands.
We work with consumers across the country who are trying to qualify for a mortgage, refinance a vehicle, restore a profile after bankruptcy, or simply stop being denied for credit they should already have access to. The work is methodical, the communication is direct, and the goal is always the same: leave your file healthier than we found it.
Honest timelines
Documented work
Education built in
What we do
Five focused services, one clear process.
A high level look at the work. For the full breakdown of each service, how it is scoped, and what to expect, head over to the Services page.
Credit Audit
Line by line review of your three bureau reports to flag what is inaccurate, unverifiable, or outdated.
Bureau Disputes
Documented disputes filed with Equifax, Experian, and TransUnion, tracked from start to resolution.
Creditor Interventions
Direct engagement with original creditors and furnishers when bureau disputes need extra weight.
Credit Education
One on one coaching on utilization, timing, and how to grow new credit the right way.
CFPB Compliance Support
We help every active client set up and use their CFPB portal so escalations stay organized.
Plus
A clear list of items we work to remove.
Late payments, collections, charge-offs, repossessions, bankruptcies, inquiries, identity theft items, and judgments.
How it works
A clear path, from first review to a healthier report.
No mystery, no fine print. Every step is documented, every dispute is tracked, and every result is reviewed with you before we move forward.
Typical timeline
3 to 6 months
01 Free credit review
We review your reports together, identify inaccurate, unverified, or outdated items, and walk you through a clear plan before any work begins.
02 Build your dispute strategy
We draft targeted disputes to the bureaus and creditors, leaning on consumer protection laws and supporting documentation where it strengthens your case.
03 Track, follow up, repeat
Bureaus typically respond within 30 to 45 days. We review every result, adjust the approach, and keep pushing on items that remain in question.
04 Coach you for the long run
Credit repair is only the first half. We teach you the habits, tools, and timing that protect your score after the work is done.
Who we help
If your credit is standing in the way of a goal, this work is for you.
Our clients are not in crisis mode. Most of them are working professionals, first time buyers, or business owners who need their reports to reflect reality before the next big financial step.
First time homebuyers
Clean up your file before the underwriter pulls it.
Auto loan applicants
Move from sub-prime to a fair rate before you sign.
Small business owners
Personal credit drives business approvals. We work on both fronts.
Post-bankruptcy rebuilders
Rebuild a credible profile after a discharge, the right way.
Credit card applicants
Improve utilization, mix, and age before applying again.
Anyone tired of guessing
If your reports feel like a black box, you are in the right place.
Why Legacy Builders
Four things that set this practice apart.
Credit repair as an industry has earned a lot of skepticism. Here is how we choose to operate, every single client, every single file.
01
Transparent from day one
You see what we see. Every audit finding, every dispute sent, every bureau response. Nothing is hidden behind a portal you can never read.
02
Built around your file
We do not run template disputes. Each letter is built around the specific item, the specific furnisher, and the law that applies to it.
03
Real humans, real responses
You will not be passed to a faceless answering machine. Our client support team responds within one business day on weekdays, and your case advisor stays the same throughout your engagement.
04
Compliance first
Every active client maintains a CFPB account. It is not optional, and it keeps escalations documented when bureaus or furnishers drag their feet.
Real client experiences
Quiet wins, built on consistent work.
We keep our testimonials honest. No photos, no last names, no inflated claims.
⭐⭐⭐⭐⭐
“Brandon was upfront from day one. He told me what to expect, what he could and could not promise, and stayed on top of every follow up. Six months later I was approved for the home loan I had been working toward.”
Marcus D.
First time homebuyer
⭐⭐⭐⭐⭐
“I had three collections I thought I was stuck with. Legacy Builders walked me through the process, kept me in the loop on every dispute, and two of them came off within two cycles.”
Jasmine R.
First time homebuyer
⭐⭐⭐⭐⭐
“What I appreciate most is that Brandon teaches you. By the time we wrapped, I understood my reports and knew exactly how to keep things clean going forward.”
Devon W.
Returning client
⭐⭐⭐⭐⭐
“Professional from start to finish. No hype, no big promises, just steady work. I went from being turned down for a car loan to driving off a lot at a fair rate.”
Alicia M.
Auto loan applicant
Frequently asked
Questions our team hears most often.
How long does the process usually take?
Most clients work with us for 3 to 6 months. Timelines depend on what is on your reports, how the bureaus respond, and how consistent we can be with documentation. We share an honest estimate after your free review.
What types of items can be challenged?
We focus on items that appear inaccurate, unverifiable, or outdated. Common examples include late payments, collections, charge-offs, repossessions, bankruptcies, hard inquiries, identity theft entries, and judgments.
Do you guarantee a specific score increase?
No reputable credit repair company can promise a number. We promise a clear process, honest communication, and consistent work on every account we take on.
Why do I need a CFPB account?
An active CFPB account lets us file and track complaints on your behalf when bureaus or furnishers ignore valid disputes. It is required for every active client so the process stays compliant and well documented.
Can I do this myself?
Yes. You have the right to dispute items directly with the bureaus at no cost. Most clients hire us because they want a structured plan, fewer errors, and someone who handles the follow up week after week.
Ready to see what is actually on your reports?
Reach out and our team will walk you through a free review. No pressure, no scripts.
Helping clients challenge inaccurate, unverified, and outdated items on their credit reports through structured audits, disputes, and education.
CFPB compliant process
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Results vary based on individual circumstances.