Credit services built around you

From your first free evaluation to ongoing disputes, here’s how we help you clean up your credit report.

Get My Free Evaluation

Step one · Free

Free Credit Evaluation

We review your reports from all three credit bureaus and record a personal screen walkthrough of what we find. You get a clear picture of your credit before you commit to anything.

$0 for your video evaluation

Your recorded evaluation covers

Your full credit evaluation across all 3 bureaus
Errors, violations, and inaccurate information
An explanation of disputable items
Recommended next steps

After your evaluation, you can decide not to move forward.

Ongoing service

Credit Repair & Disputes

Once your audit is complete, we challenge negative items that have a legitimate reporting basis using consumer protection laws, and keep you updated along the way.

$149 one-time setup

$97/mo

Starts 30 days after setup · Cancel anytime. Credit monitoring through Credit Hero Score ($19.99/mo after a $1 7-day trial) is required while you’re in service. See full pricing.

We challenge

Inaccurate reporting
Unverified accounts
Negative accounts with reporting errors
Potential reporting violations

Even if you recognize an account, we can review how it’s reporting (balance, dates, payment history, and status) and look for anything inaccurate or incomplete.

Build for the future

Credit Building

Fixing what’s wrong is only half of it. We help you add positive history to your credit profile and build habits that keep your score moving in the right direction long after disputes are done.

We’ll look at your reports and recommend the right next steps for your situation, whether you’re starting from scratch or rebuilding after setbacks.

How we help you build

A personalized plan based on your credit reports
Guidance on tools like secured cards and credit-builder accounts
Keeping balances and utilization in a healthy range
Building a steady record of on-time payments
Getting ready for goals like a home, car, or business funding

What can we help you dispute?

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.

Start with your free evaluation

See what’s on your reports and what we can help with, then decide.

Get My Free Evaluation

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.