Your Credit Score Is Keeping You
From the Life You Deserve—Let's Fix It
Getting denied for loans? Paying 18+% interest when others pay 3%?
Bad credit isn't permanent. You just need the right strategies.
FREE DOWNLOAD
7 Credit Score Hacks
to Boost Your Score
25-100+ Points in
As Little as 30 Days!
Get instant access to the complete guide that reveals:
✅ Hack #1: The legal loophole most people don't know exists (it's in the fine print)
✅ Hack #2: A simple payment timing trick that can boost your score 30-50 points
✅ Hack #3: How to get more credit WITHOUT a credit check
✅ Hack #4: The costly mistake 80% of people make with old accounts
✅ Hack #5: A free tool that gives instant credit score boosts
✅ Hack #6: How to build credit while putting money IN your pocket
✅ Hack #7: The fastest way to add years of perfect credit history
Here's the Truth:
Most people with bad credit can improve it within 60-90 days with the right strategies
.
WHO WE HELP
This Is For You If:
You've been denied for a mortgage, car loan, apartment, or credit cards
You're paying high interest (15%+) when you know others pay less
You're rebuilding after bankruptcy, foreclosure, divorce, or medical debt
You have no credit history and don't know where to start
You've tried "credit repair" but didn't see results
You're ready to take control of your financial future
This Is NOT For You If:
You're looking for "instant" fixes or illegal shortcuts
You're not willing to invest time in proven strategies
You're already at 750+ (though you could refer friends!)
HOW WE HELP OUR CLIENTS:
Choose Your Path to Better Credit
The Credit Reset Blueprint™
Coaching Program
Personalized Guidance + Accountability:
Personalized 1-on-1 credit coaching with comprehensive credit analysis, document prep, custom tradeline placement strategy, monthly accountability calls, and ongoing support and $100 tradeline credit bonus..
Unlike traditional credit repair, we help you understand your credit while implementing proven credit boosting strategies for lasting results.
Perfect for: Anyone frustrated with failed credit repair attempts who wants personalized guidance, real accountability, and a strategic roadmap—not just generic advice.
Authorized User Tradelines
The Fastest Path to Credit Improvement:
Get added as an authorized user on established, credit lines with limits ranging from $2,000-$50,000 and up to 30 years of perfect payment history.
Strategic placement based on your unique credit profile to boost credit age, improve utilization ratios, and strengthen your overall credit profile.
Perfect for: First-time credit builders with thin files, those preparing for major purchases, anyone needing to strengthen their credit profile quickly, or people with good payment history but short credit age.
DIY Digital Products
Prefer to do it yourself? We've got the tools.
Ultimate Credit Restoration System:
Complete DIY credit repair course with attorney-approved dispute letters and step-by-step guidance.
The CreditClear Inquiry Removal System:
Proven system to legally challenge and remove hard inquiries.
The Ultimate Funding Guide - Included in coaching or available separately
Learn how to access business funding even with challenged credit.
Perfect for: Self-starters on a budget who want lifetime access to proven resources.
Step-by-step digital courses and e-books with proven systems to fix your credit yourself. Get instant access to attorney-created templates, dispute letters, and detailed guides.
Jennifer Carroll Bulgin
Welcome to
Wealth and Legacy Unlimited!
Hi, I'm Jennifer—and I understand what it feels like when your credit score is standing between you and your dreams.
I started Wealth & Legacy Unlimited with one mission: to give people the knowledge and tools to take control of their credit and their financial future.
Most people stay stuck not because they're irresponsible, but because nobody taught them how the credit system actually works. The rules. The loopholes. The legal rights you have under federal law.
That's what we do differently here.
We don't just "repair" credit. We educate. We empower. We give you the strategies that have helped hundreds of clients potentially improve their scores by 25-100+ points.*
What I Believe:
💙 Your past doesn't define your future—bad credit is fixable
💙 Knowledge is power—most people just need the right info
💙 You deserve financial freedom—not judgment or shame
💙 Credit is a skill—and like any skill, it can be learned
My commitment to you: No false promises. No gimmicks. Just real strategies, real support, and real results.
FOR SALES PROFESSIONALS
TURN DENIED CLIENTS INTO CLOSED DEALS
Stop Losing Commissions to Credit Issues
Every month, you lose deals because your clients don't qualify. Their credit score is too low. They need "just a few more points." They walk away disappointed—and you lose the commission.
But what if those "NO's" could become "YES's" in 60-90 days? (sometimes even as little as 14 days!)
Our Partner Program helps realtors, auto dealers, loan officers, and funding professionals turn credit denials into closed deals—while earning additional income on every referral.
Here's How It Works
1. Your client gets denied due to credit
2. You refer them to us (simple referral process)
3. We help improve their credit using proven strategies
4. They come back to YOU—qualified and ready to close
5. You earn your commission + referral income from us
Who This Is Perfect For
⭐ Realtors who lose buyers to credit qualification issues
⭐ Auto dealers dealing with financing denials
⭐ Loan officers with "almost qualified" clients
⭐ Funding professionals whose clients need better personal credit
⭐ Any sales professional who relies on their clients having excellent credit
You refer. We handle the credit improvement. They come back to you ready to buy.
Zero upfront cost. Zero work on your end. Just referrals and commissions.
TESTIMONIALS
What others are saying
"Highly Recommend!"
"I was denied for the mortgage amount I wanted three times because of my low credit score and high debt to income ratio. Jennifer's strategies helped me go from 590 to 685 in 90 days. I just closed on my dream home with a 3.5% rate. I Highly Recommend This Service!"
- Marcus T. First-Time Homebuyer, Atlanta
"Money Well Spent..."
"The authorized user tradelines added 42 points to my score in less than 30 days. I was able to refinance my car loan interest rate dropped from 16% to 6.9%. Now I'm saving $240 every month." - Sarah K.
"Highly recommend this"
"I thought credit repair was a scam until I found Wealth & Legacy. Jennifer taught me the legal strategies that actually work. 520 to 680 in 6 months."
- David R., Business Owner
"Increased my income..."
"As a real estate agent, I used to lose buyers to credit issues constantly. Now I refer them to Jennifer, and 70% come back qualified within 90 days. Game-changer for my business" - Lisa M, Real Estate Agent & Partner
Results vary. These testimonials represent individual experiences and should not be considered typical or guaranteed.
READY TO TAKE CONTROL OF YOUR CREDIT?
Your Next Steps:
1. Download Your FREE Guide
Get the 7 strategies that have helped hundreds of clients potentially improve their credit by 25-100+ points in as little as 30 days.*
2. Book a FREE Consultation
Let's assess your specific credit situation and create a personalized game plan.
3. Join Our Community
Get weekly tips, exclusive strategies, and credit education delivered to your inbox.
Wealth and Legacy Unlimited Blog
What Are The Addresses of the Major Credit Bureaus?
Get the addresses of where to send disputes to the 3 major credit bureaus. ...more
Credit Repair ,Credit
September 20, 2024•1 min read
How to Remove a Fraud Alert from Your Credit Report on All 3 Bureaus
In this post we have step by step instructions on how to remove fraud alerts from your credit report. ...more
Credit Repair
September 18, 2024•2 min read
Should I Pay Off Collections on My Credit Report?
The truth behind collections and if you should EVER pay them off. Some people say never pay them off, some people say always pay them off. This article will discuss the truth about how both scenario... ...more
Credit Repair ,Consumer Rights
September 16, 2024•5 min read
Legal Disclaimer
Wealth & Legacy Unlimited provides credit education, coaching, and authorized user tradeline services. We are not a credit repair organization as defined under federal or state law.
Results vary based on individual credit situations. We do not guarantee any specific outcome or credit score increase.
All strategies shared have helped clients achieve score improvements ranging from 25-100+ points, typically within 30-90 days, but individual results depend on current credit profile, accuracy of information, and consistent implementation of techniques. All examples and testimonials represent specific individual experiences and are not typical. Your results may vary.
Testimonial Disclaimer: Client testimonials are based on real experiences but should not be considered a guarantee of similar results.
Affiliate Earnings Disclaimer: Partner earnings are not guaranteed and vary based on referrals and client retention. Examples represent top-performing partners.
Legal Compliance: We comply with all applicable federal and state laws, including the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA).