Welcome to Our Company

Your Pathway to Financial Freedom

Unlock the doors to financial freedom with our credit repair services. We believe that everyone deserves a chance to rebuild their credit and achieve their financial dreams. With our proven strategies and unwavering support, you can pave a pathway to a brighter future, free from the limitations of a poor credit history.

About Us

We help clients to get Credit Solutions

We have many years of experience in Accounting, taxes, evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten.

Credit Consultation firms cannot do anything that you couldn't do yourself, but we can help you to achieve results in a fraction of the time without making costly errors. Our key focus is to help you reach your financial goals so that you may have access to your dreams.

Thank you for your time and God Bless.

What we do

Our Services

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Progress Tracking and Reporting

Royal Legacy offer tools that allow you to track the progress of your credit repair journey. We provide regular updates on the status of disputes, improvements in your credit score, and any changes to your credit reports. This transparency helps you stay informed and engaged.

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Credit Report Analysis

We start by analyzing your credit reports from all three major credit bureaus. We identify inaccuracies, errors, and negative items that may be dragging down your credit score. This analysis forms the basis for creating a strategy to improve your credit.

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Debt Management Planning

We provide debt management assistance. We help you create a plan to tackle outstanding debts strategically, prioritize payments, and negotiate with creditors for possible debt settlements or more manageable payment terms. This can help you work toward reducing your overall debt load.

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Credit Score Improvement Strategies

Royal Legacy tailors strategies to help you improve your credit score. This may involve guidance on managing credit utilization, payment history, types of credit, length of credit history, and recent credit inquiries. We offer personalized recommendations to optimize your credit behavior.

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Business Credit Building

Royal Legacy will build you a fully functioning LLC with proper structuring. We will establish and grow your business credit and when your business credit score is where we need it to be, we will secure funding for your business. We can also build business credit on an already established LLC and secure you funding.

Our Staff

Our Team

Nicole Johnson-Royal is the founder and CEO of Royal Legacy, boast over 15 years of experience in the financial realm. Her extensive expertise includes over 15 year in personal and business tax preparation, accounting, and bookkeeping, Recognizing a growing need among her clients, Nicole recently expanded her company's services to include credit repair and business credit building. Her mission is to help others achieve their goals, whether it's purchasing a home, starting a business, or scaling an existing one. A mother of seven and a dedicated entrepreneur, Nicole is deeply family-oriented and committed to making a positive impact on the lives of those she serves.

Testimonials

happy clients

FAQS

How long does the credit repair process take?

The timeline for credit repair can vary based on individual circumstances. On average, the process takes around 3 to 6 months, but it could take longer for more complex cases. Factors such as the number of negative items, the responsiveness of creditors and credit bureaus, and the accuracy of information can influence the duration. Rest assured, we work diligently to achieve the best possible results within a reasonable timeframe.

Can I repair my credit on my own without professional help?

Yes, you have the right to dispute inaccurate information on your credit reports independently. You can request free credit reports from all three major credit bureaus and file disputes directly with them. However, professional credit repair services like ours offer expertise, experience, and resources that can streamline the process and potentially yield better results. We navigate the complexities of credit reporting systems on your behalf, saving you time and effort.

Will using a credit repair service negatively impact my credit score?

No, using a reputable credit repair service should not negatively impact your credit score. Disputing inaccuracies and working to improve your credit is your right as a consumer. The credit bureaus treat disputes from individuals and credit repair companies similarly. While the removal of inaccurate negative items can have a positive impact on your credit score, the act of disputing itself does not harm your credit. Our goal is to help you achieve a healthier credit profile and better financial opportunities.

Get In Touch

Monday - Friday

8:00am - 6:00pm