PROGRAMS
Credit Education
Apex Legacy Freedom
Mission
We deliver credit education, financial literacy, and consumer protection support for low income families and individuals, in English and Spanish. Our goal is simple, stable housing, safer finances, and real second chances.
Who we serve
Teens and young adults, working parents, seniors, veterans, survivors rebuild
Apex Legacy Freedom
Mission
We deliver credit education, financial literacy, and consumer protection support for low income families and individuals, in English and Spanish. Our goal is simple, stable housing, safer finances, and real second chances.
Who we serve
Teens and young adults, working parents, seniors, veterans, survivors rebuilding credit, first time renters and homebuyers.
What we give, at no cost
- Free tri bureau credit report review with coaching, 45 minutes
- Personalized 90 day action plan
- Dispute letter templates you can send yourself, mailed or online
- Debt validation and cease and desist templates
- Identity theft recovery kit and affidavit support
- Rental readiness folder, landlord letter, proof of income guide
- Budget and bill calendar tools
- Youth lesson, Credit Basics for Teens
- Referral network for legal help when needed
We never promise score outcomes, we do not provide legal advice. We teach, we prepare letters and tools, you decide and send.
About Apex Legacy Freedom
Programs and Services
Credit Basics, Workshop
Learn how reports, scores, utilization, and disputes work. Leave with a simple plan and a budget tool.
Format in person or online, 60 minutes, group.
Language English and Spanish.
Dispute Letter Lab
Hands on session to generate dispute, validation, goodwill, and pay for delete letters. You leave with print ready PDF and mail steps.
Format small group or one on one, 60 minutes.
Debt Defense Navigator
Education on options if sued by a collector. Includes validation request, answer outline, and attorney referral list.
Format one on one, 45 minutes.
Note educational, not legal advice.
Identity Theft Recovery
Step by step plan to place fraud alerts, freeze credit, file identity theft report, and dispute fraudulent accounts.
Format one on one, 45 minutes.
Rental Approval Prep
Credit friendly application plan, landlord letter, proof of income folder, and soft pull guidance. Good for families seeking a first lease.
Format one on one, 45 minutes.
Money Moves 101
Budget, savings, and debt payoff workshop. Includes emergency plan and bill calendar.
Format group, 60 minutes.
Teen Credit and Careers
High school friendly session on banking, credit building, safe borrowing, and first resume.
Format school or youth program, 45 minutes.
Scholarship Client Track
For households in hardship. Includes three coaching sessions over 90 days, letter generation, and monthly check ins.