Legacy Financial Management logo

Owner Action Required Before Launch

This Disclaimer is provided as a professional template designed to comply with the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA). You must have a qualified attorney review this page — and all legal pages — before publishing your website to ensure full compliance with applicable federal and Texas state law.

Legal

Disclaimer

Last updated: May 25, 2026

Results May Vary

The results that clients of Legacy Financial Managementachieve vary significantly based on individual circumstances, including but not limited to the specific negative items appearing on their credit reports, the accuracy of information reported by creditors, the responsiveness of credit bureaus, and each client's ongoing financial behavior during and after the credit repair process.

Any testimonials, case studies, or examples of credit score improvements displayed on this website or in our marketing materials reflect the experiences of specific clients and are not a guarantee, representation, or promise that you or any other person will achieve the same or similar results. Individual results are not guaranteed and will vary.


Federal Law Compliance — CROA & FCRA

Legacy Financial Management operates in full compliance with applicable federal and state law, including:

Credit Repair Organizations Act (CROA)

15 U.S.C. §§ 1679 et seq. The CROA prohibits credit repair organizations from making false or misleading claims, charging advance fees before services are performed, and failing to provide a written contract with specific required disclosures. We adhere strictly to all requirements of the CROA in our client engagements.

Fair Credit Reporting Act (FCRA)

15 U.S.C. §§ 1681 et seq. The FCRA regulates the collection, use, and sharing of consumer credit information by credit reporting agencies, creditors, and other entities. We operate within the bounds of the FCRA in all dispute and credit counseling activities we undertake on behalf of our clients.

You have the right to dispute inaccurate information in your credit file directly with the credit bureaus (Equifax, Experian, and TransUnion) at no cost. Legacy Financial Management provides professional assistance with this process but does not replace the rights you already have under federal law.


Not Legal or Financial Advice

The information provided on this website — including all articles, guides, resources, assessments, and educational content — is for general informational and educational purposes only. It does not constitute legal advice, financial advice, tax advice, or any other professional advice.

Nothing on this website or communicated during any consultation creates an attorney-client relationship, a financial advisor relationship, or any similar professional relationship. You should consult a qualified attorney, certified financial planner, or other licensed professional before making any decisions regarding your credit, finances, or legal matters.


Website Accuracy

While we make reasonable efforts to ensure that the information on this website is accurate and up to date, credit laws, bureau policies, and lending standards change frequently. We make no warranties or representations — express or implied — about the completeness, accuracy, reliability, or suitability of any information on this website for any particular purpose.

Links to third-party websites are provided for convenience only. We have no control over the content of those sites and accept no responsibility for their accuracy or content.


Limitation of Liability

To the fullest extent permitted by applicable law, Legacy Financial Management and its owners, employees, and representatives shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, including any reliance on the information provided herein.


Contact Us

If you have questions about this Disclaimer or our services, please contact us:

Legacy Financial Management

Rio Grande Valley & South Texas

Email: info@legacyfinancialmanagementllc.com

Phone: (956) 238-9951