Sterling Legacy Financial, 2012 All Rights Reserved

Many people who have had great credit in the past and who have worked hard to provide financial stability for their families now find themselves over-extended, juggling payments and are facing or recovering from foreclosure and/or bankruptcy resulting in lower FICO scores and negative credit issues. YOU ARE NOT ALONE.

Sterling Legacy Financial helps clients repair their bad credit by disputing the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports. We provide strategies based on consumer protection statutes. These statutes include the federal Fair Credit Billing Act which gives you the right to request extensive information regarding billing and account history, the Truth in Lending Act which stipulates conditions for establishing credit accounts, and the Fair Debt Collection Practices Act which defines your rights regarding accounts that have passed into collection status, and of course, The Fair Credit Reporting Act which gives consumers the right to contact credit bureaus directly and dispute items on their credit reports.

As well as providing our dispute service, we also add interventions such as escalated account investigations, goodwill interventions and formal requests for debt validation. These interventions do not necessarily follow the same dispute cycle as the credit bureau disputes and are designed to increase the likelihood of accelerated results.

Incoming clients always ask. Do you guarantee your services? The answer is, “Yes –absolutely.” While we cannot guarantee the outcome of your individual case anymore than a defense lawyer can guarantee a favorable verdict from a jury, what we do guarantee is that you will receive the best possible service we have to offer. At Sterling Legacy Financial we understand that time and resources are very limited for our clients. We work quickly, efficiently and effectively to address and improve your debt and credit issues. We charge only for work done and you can cancel our service at any time. You will find that our terms of service and fees are very reasonable and very affordable.

We use an online web portal to manage our client’s dispute process. This secure portal allows our clients to monitor the progress on their own credit file at any time. We are accountable to you, our client, and make every effort to get you credit ready and financially stable. We want you to be self-sufficient and fully armed to manage your own finances. We will provide you with credit and financial education through newsletters and individual coaching sessions. Remember education is POWER. We are not just another credit repair company. We are your gateway to financial liberty!