Legal & compliance
Read this before you engage
A few honest disclosures about what we are, what we teach, and what we never promise. They matter as much to us as they do to you.
Education, not credit repair
A & M Legacy Elevation, LLC provides strategic credit education and funding-readiness consulting. We teach how credit is reported and scored, help you read and understand your own reports, and guide you in building habits and documentation that support your goals. We are not a credit repair organization, and we do not promise, guarantee, or imply that any particular credit score or credit report outcome will result from our guidance. Use of this website and any engagement with us does not create an attorney–client relationship, and nothing here is legal, tax, accounting, investment, or lending advice.
No guarantees of scores, approvals, or funding
Credit scores are calculated by third parties from information those parties collect, and lending decisions are made by lenders applying their own criteria. Many factors affect whether any score improves, whether an application is approved, or whether funding is offered and on what terms. We cannot and do not guarantee that any score will improve by any amount, that any report item will be changed or removed, that any loan or funding application will be approved, or that any particular interest rate or term will be offered.
Reliance on information you provide
Guidance is only as accurate as the information it is based on. You are responsible for the completeness and accuracy of the financial information you provide. We may decline to work on matters where information is incomplete. You should contact the relevant credit bureau, lender, or financial institution directly to verify the status of any account, dispute, or application.
Privacy & this website
Contact and appointment-request submissions through this website are used solely to respond to you and arrange a conversation. We do not sell your information. This website uses standard analytics to understand how visitors use it. For more detail, see our privacy notice.
Questions about any of this? We’re happy to answer them plainly — call or text us at (205) 243-2778 or send a message on our contact page.