Pivot 2 Prosper.
Reclaim your credit & legacy.
At Cofer Legacy Group, we believe legacy begins with securing your future through financial empowerment. For just $1, get a deep-dive analysis of your credit profile and a customized roadmap backed by proprietary consumer-law dispute software and licensed consumer lawyers.
Prefer to talk first? Book directly at coferlegacygroup.setmore.com
Start your credit deep-dive
One dollar unlocks a full analysis of your credit profile and a personalized recommendation plan. Chat with us to get started in minutes.
The negative items we help you fight
From everyday dings to the heavy hitters — if it's inaccurate, unverifiable, or unfairly reported, we go after it.
Late Payments
Inaccurate or outdated late-payment marks challenged under consumer protection law.
Charge-Offs
Disputed and verified for accuracy — many can be removed when bureaus can't substantiate them.
Evictions
Erroneous or unverifiable eviction records addressed to protect your housing future.
Bankruptcy
Outdated, misreported, or incomplete bankruptcy entries reviewed and challenged.
Repossessions
Repossession records audited for accuracy and disputed where unverifiable.
Child Support
Misreported child-support items examined and corrected on your profile.
Medical Bills
Medical collections reviewed for compliance and disputed where appropriate.
Collections & Inquiries
Aggressive collection accounts and unauthorized inquiries challenged head-on.
& more
If it's dragging your score down, ask us — we likely handle it.
We challenge items based on accuracy and verifiability under the FCRA, FDCPA, and related consumer-protection laws. We cannot guarantee removal of any specific item.
A clear path from broken credit to financial power
Four focused stages, all included in your 6-month bundle.
$1 Deep-Dive Analysis
We run a comprehensive analysis of your full credit profile — every account, inquiry, and negative item — to map exactly what's holding your score down.
Proprietary Dispute Software
Our consumer-law software challenges inaccurate, unverifiable, and unfair negative items directly with bureaus and creditors — automatically.
Attorney Review & Strategy
Consumer lawyers review your case, tackle violations and difficult items, and consult on garnishments — building a real legal plan.
Results & Wealth Building
As items clear, your score climbs — and you unlock bonus services to protect and grow your new financial footing.
Everything in your credit-repair arsenal
A bento of powerful tools — each one engineered to remove what's dragging your score down.
Proprietary Consumer-Law Software
Our dispute engine leverages federal consumer protection laws (FCRA, FDCPA) to challenge negative items and tracks every dispute, deadline, and response.
- Automated bureau and creditor disputes
- FCRA and FDCPA violation detection
- Real-time dispute tracking dashboard
Consumer Lawyer Review
Attorneys do an extensive review and build a plan for violations and difficult items.
Learn moreGarnishment Consultation
Get expert legal guidance around wage garnishments and how to address them.
Learn moreDeep-Dive Profile Analysis
A line-by-line audit of your full credit profile with personalized recommendations.
Learn more6-Month Results Timeline
A structured plan with milestones so you can see progress month over month.
Learn moreBeyond credit repair — a full financial upgrade
Your bundle comes packed with bonuses worth far more than the program itself.
Will & Trust
Protect your assets and your family with a professionally prepared will and trust.
Budgeting & Wealth Management
Tools and coaching to budget smarter and build lasting wealth.
Business Building Tools
Resources to launch and grow your own business — included free.
Travel Discounts
Exclusive member rates on hotels, flights, and vacation packages.
And More
A growing library of bonus perks designed to accelerate your financial life.
All included
No upsells. One bundle, everything unlocked.
One bundle. Two ways to pay.
A complete 6-month program — analysis, dispute software, attorney review, and every bonus. Choose the option that fits your budget.
One-time payment
- Full 6-month credit-repair bundle
- $1 deep-dive profile analysis
- Proprietary consumer-law dispute software
- Consumer lawyer review & strategy
- Garnishment consultation
- All bonus services included
down, then $99/mo
- Same complete 6-month bundle
- $1 deep-dive profile analysis
- Proprietary consumer-law dispute software
- Consumer lawyer review & strategy
- Garnishment consultation
- All bonus services included
Both plans include the identical program. The $1 screening is separate and unlocks your personalized analysis before you enroll. Additional payment plans are available — ask your specialist.
Proof of what happens when you Pivot 2 Prosper
Real client score increases, deleted derogatory items, and tier-1 funding approvals. Results vary by individual profile.
Actual Score Increases & Approvals
+160 PTS GAINTriple Bureau Surge
Equifax, Experian & TransUnion verified results after proprietary consumer-law challenges.
704 REACHEDCrossing Into the 700s
TransUnion jumped from 551 to 704 with negative items removed.
731 • 732 • 733All 3 Scores Above 730
Client went from impaired credit to top-tier approval tier.
BUSINESS FUNDING6x Tier-1 Business Funding
Repaired profile leveraged into high-limit business lines and commercial capital.
PIVOT 2 PROSPERNew Luxury Vehicle & Premium Cards
No predatory interest. Real approvals earned through repaired credit & attorney backing.
Find out what's holding your score down for just $1.
Deep-dive analysis, personalized recommendations, and proprietary dispute blueprint.
Questions, answered
Everything you need to know before you start.
Why does the screening cost only $1?+
The $1 fee confirms you're a real, committed applicant and unlocks a full deep-dive analysis of your credit profile — plus a personalized recommendation plan. It's not the full program; it's your on-ramp to it.
Will this hurt my credit score?+
No. The screening and analysis do not trigger a hard inquiry. Our dispute process works to remove inaccurate and unverifiable negative items, which typically raises your score over time.
What do the consumer lawyers actually do?+
Attorneys do an extensive review of your profile, build a plan to tackle legal violations and difficult items, and consult with you around garnishments. They escalate disputes that require legal weight behind them.
What's the difference between the two payment plans?+
Both plans include the identical 6-month bundle. Pay $497 once, or pay $189 down and $99/month. Choose whichever fits your budget — the program and bonuses are exactly the same. Additional payment plans are available; ask your specialist.
Are the bonus services really included?+
Yes. Will & trust, budgeting and wealth management, business building tools, travel discounts, and more are all bundled into your program at no additional cost.
Your higher score is one dollar away.
Get your deep-dive analysis and personalized plan today. No hard inquiry, no commitment — just clarity on exactly what to fix.