Faith · Discipline · Restoration

You cannot restore what you refuse to review.

369 Legacy Solutions helps you face your credit honestly, challenge what is inaccurate, and build habits that hold after the disputes are done.

Start your restoration What we will not promise

From $69 a month Work measured in rounds, not days A service of 369 Learning Tree

Before anything else

Five things no honest company can promise you.

If a credit repair company guarantees any of these, walk away. We would rather lose the sale than start the relationship with a lie.

01Deletions
02Score increases
03Funding
04Loan approval
05A specific timeline

What we can promise is the work: an honest review, a correct dispute, and a plan you can actually keep.

What the work is

Restoration is more than removing items from a report.

Most people arrive believing the problem is the report. The report is the symptom. We work both ends at once.

One

Read the report properly

All three bureaus, line by line. Accounts you do not recognise, incorrect balances, duplicate collections, outdated information, wrong personal details.

Two

Challenge only what is challengeable

Inaccurate, incomplete, outdated, unverifiable, or identity theft information. Accurate negative history is not a dispute. It is a plan.

Three

Protect what matters first

Housing, utilities, transportation, insurance. Before a single letter goes out, we make sure nothing essential is about to break.

Four

Fix the habit underneath

Credit is not income. Most damage is built from small decisions repeated for months. We name them, then we replace them.

The framework

Rebuild. Rise. Restore.

Three stages, in order. You do not skip one because the next sounds better.

Rebuild

Rebuild the foundation through awareness, education, budgeting, goal setting, and healthy money habits. Face the real numbers before touching anything else.

Haggai 1:7–8

Rise

Rise through credit improvement, debt reduction, savings, banking relationships, and income growth. This is where the disputes live, alongside the work that makes them stick.

Proverbs 13:11

Restore

Restore financial wellness by building wealth, acquiring assets, protecting what you have built, and creating something your children inherit.

Proverbs 13:22

Why this exists

Shanna Word

Founder, 369 Legacy Solutions

I had receipts, but I did not have reserves. I had things, but I did not have financial peace. I had income, but I did not have a plan.

There was a time when I believed my financial problem was only that I needed more money. I kept thinking the next check, opportunity, client, or increase in income would finally fix everything. But every time more money came in, more money went out.

I spent because I was tired. I spent because I wanted to feel successful. I spent because I did not want to tell people no. I helped people even when helping them placed me behind.

My restoration began when I stopped blaming only my income and started examining my choices. I learned that saying no is not selfish. I learned that appearing successful is not the same as being financially secure.

I could not recover yesterday's money, but I could give today's money a new assignment.

Founder testimony · video to be added

The first thirty days

Before the credit moves, the habits move.

Everyone who enrols runs the same four weeks. It is the part most companies skip, and it is the reason results hold.

Week One

Face the numbers

List verified income
List essential expenses
List debts and past due accounts
Review subscriptions
Track all spending

Week Two

Stop the leaks

Cancel unnecessary subscriptions
Set a food and convenience limit
Remove saved shopping cards
Pause new instalment purchases
Establish one lending boundary

Week Three

Organise credit and debt

Obtain and review all three reports
Identify inaccurate information
Gather supporting documents
Select one debt priority
Stop unnecessary applications

Week Four

Begin rebuilding

First emergency savings deposit
One targeted debt payment
Follow the new spending plan
Review progress
Set the next thirty day goal

Enrolment

Two ways in. Both start the same week.

Choose based on how much of the paperwork you want to carry. The education, the plan, and the standards are identical either way.

Self guided

Do It Yourself

You do the disputes. We teach you exactly how, and check your work.

$69/ month

Full credit report walkthrough
Dispute letter templates and instructions
The thirty day restoration plan and workbook
Credit education library
Monthly progress check in
You prepare and send your own disputes

Start self guided

Most chosen

Done for you

Full Service

We handle every round, every letter, every follow up. You focus on the habits.

$123/ month

Everything in Do It Yourself
Full analysis of all three reports
We prepare and manage every dispute round
Bureau and creditor correspondence handled
Priority guidance between rounds
Funding readiness review when you are ready

Start full service

Billed monthly. Work is measured in rounds rather than days, because the bureaus set the pace and no one can honestly promise a date. You will always be told what round you are in and what is outstanding.

The other half of the work

369 Learning Tree

Credit restoration fixes a report. Education changes what happens next. Learning Tree runs faith centred financial programmes for children from age five, teens, adults, families, and community leaders. Enrolment is separate.

View the programmes

Before you begin

Clear answers, including the uncomfortable ones.

Can you guarantee my score will go up?

No. No legitimate provider can guarantee deletions, score increases, funding, loan approval, or a specific timeline. Anyone telling you otherwise is selling you something.

What we guarantee is the standard of the work and that you will always know where your file stands.

What can actually be disputed?

Only inaccurate, incomplete, outdated, unverifiable, or identity theft information should be challenged on those grounds. Accurate negative history stays, and we build a plan around it instead of pretending otherwise.

How long does this take?

The work is measured in rounds. A round runs its course when the bureaus respond, and that timing is outside anyone's control. Most files need more than one round.

You will be told, each round, what was challenged, what came back, and what happens next.

What do I need to get started?

Have these ready before your first session:

Government issued identification
Proof of current address and any previous addresses
Current creditor statements
Collection notices and payment records
Identity theft records, where they apply
A written list of accounts you do not recognise

How is this different from 369 Learning Tree?

Learning Tree provides financial education. It does not include credit report disputes, contact with bureaus or creditors, guaranteed score changes, or personalised financial or legal advice.

369 Legacy Solutions is the restoration service. Enrolment, terms, and fees are separate from the education programmes.

A note on your information

Never post Social Security numbers, passwords, full account numbers, identification documents, or complete credit reports inside a general community, group chat, or social message. Send documents only through the secure client portal.

Next step

You do not need to fix everything today.

You need to complete the next responsible step. Start with a consultation and we will tell you honestly whether restoration is the right first move for your situation.

Book a consultation Call (770) 376-7341