About 3Ls: Life, Legacy & Longevity Solutions

Who We Are

Built for the community that keeps getting told no.

3Ls: Life, Legacy & Longevity Solutions was built by someone from this community — someone who understands what it feels like to be overlooked by the financial system. We are not a corporation. We are not a call center. We are your neighbor.

We use federal consumer protection law — the Fair Credit Reporting Act and the Fair Debt Collection Practices Act — to strategically challenge inaccurate, unverifiable, and unfair items on your credit report.

Because access to credit is access to opportunity. And you deserve both.

What We Do

Strategic credit repair using the law.

We are not a credit counseling service. We are not a debt settlement company. We do not make promises we cannot keep.

We are a strategic credit repair operation that fights for our clients using federal consumer protection laws — with complete integrity and full transparency every step of the way.

FCRA The Fair Credit Reporting Act gives you the right to dispute inaccurate, incomplete, or unverifiable information on your credit report. Bureaus have 30 days to investigate or remove it.

FDCPA The Fair Debt Collection Practices Act protects you from unfair and illegal debt collection practices. We use this law to challenge collectors who cannot verify what they claim you owe.

CFPB When bureaus or collectors violate your rights we file complaints with the Consumer Financial Protection Bureau — creating a formal federal record that strengthens your case.

How It Works

Five steps to financial freedom.

1

Free Consultation

We pull and analyze all 3 bureau reports together. You understand exactly what is hurting your score and why.

2

Strategic Plan

We map every negative item and build your personalized dispute strategy using federal law. No guesswork — just strategy.

3

Letters Go Out

Every letter goes certified mail. Every tracking number logged. Every deadline monitored. Nothing gets missed.

4

We Fight Back

Bureaus and collectors have 30 days to respond. We track every response and escalate when needed — including CFPB complaints.

5

Your Score Rises

Progress reports at day 45 and day 90. You see every deletion, every correction, every point gained — documented and shared with you.

Our Services

Choose your path forward.

Every plan includes a free consultation. No contracts. No lock-in. Cancel any time.

Foundation Tier

$97/mo

Start Here

Free 3-bureau consultation & analysis
Personal information cleanup — all 3 bureaus
Debt validation letters to collectors
Bureau dispute letters — all 3 bureaus
Hard inquiry disputes
Second-round disputes included
Certified mail tracking & deadline management
Monthly progress report

★ Most Popular — Builder Tier

$147/mo

Builder

Everything in Foundation
Certified mail postage included free
Credit building strategy consultation
Score projection roadmap
Priority support & faster turnaround

Legacy Tier

$247/mo

Full Service

Everything in Builder
No document preparation fee ever
CFPB complaint filing included
Monthly 1-on-1 strategy session
Business credit building guidance
Priority 24-hour turnaround on all letters

Why 3Ls

What makes us different.

We are local. Erie born, Erie based, Erie focused. We know this community because we are this community.

We are transparent. We do not make promises we cannot keep. We tell you exactly what is realistic and what to expect at every stage.

We are documented. Every step is tracked and recorded. Every letter sent certified mail. Every deadline monitored. Nothing falls through the cracks.

We are invested in your legacy. Our clients finish the program knowing how to maintain their credit for life. We are not just fixing numbers — we are building generational wealth.

3Ls: Life, Legacy & Longevity Solutions