Terms & Conditions
These terms govern your use of the Your Legacy Solutions Credit Builder Hub™ educational resource. By using this site, you agree to them.
Educational Purpose
The Credit Builder Hub™ is a free educational resource. Your Legacy Solutions offers credit repair services, credit education, and personalized financial coaching through our Credit Freedom Framework™. Information provided here is for educational purposes only and is not financial, legal, or tax advice. Always consult a qualified professional for advice specific to your situation.
Not a Lender, Bureau, or Scoring Agency
Your Legacy Solutions is not a lender, credit bureau, or credit scoring agency. We do not guarantee credit score increases, financing approval, the removal of specific accounts, or any particular financial outcome. Scoring models vary and results depend on an individual's full credit profile.
Affiliate Links
Some links on this Hub are affiliate links. Your Legacy Solutions may receive compensation when you sign up or qualify through these links. Affiliate relationships do not influence which resources we feature, and our educational content is intended to help you make informed decisions. See our Affiliate Disclosure for details.
Third-Party Products & External Sites
Third-party products, independent educational sources, and external websites have their own terms, eligibility requirements, fees, and reporting practices. Always review each product's official terms before applying. Your Legacy Solutions is not responsible for the content or practices of third-party sites.
Benchmarks Are Educational
YLS credit profile benchmarks are proprietary educational planning guidelines. They are not official FICO scoring requirements, credit bureau standards, or universal lender qualification criteria. You do not need a specific number of credit cards or installment loans to achieve excellent credit. Do not open unnecessary accounts or take on debt simply to reach a benchmark.
Acceptable Use
You agree to use this resource lawfully and not to misuse the signup form, interactive tools, or contact options. We may update these terms from time to time; continued use of the Hub constitutes acceptance of the current version.