Specialties
Legacy Credit Builders helps clients restore, rebuild, and leverage their credit to achieve homeownership and financial freedom. Founded by Melissa Cedillo, our mission is to empower minorities and first-time homebuyers through honest, ethical, and results-driven credit education. We offer personalized credit repair programs, financial coaching, and ongoing support to help you go from denied to approved — and build lasting generational wealth.
History
Established in 2025.
Legacy Credit Builders was officially founded in October 2025, but the journey began in 2015. After a painful breakup left me with 3 evictions, 3 repossessions, and over 7 collections, I committed to learning the credit system and rebuilding my life for my children and our future.
By 2020, I began helping others professionally under a different entity. After relocating to Hesperia, I relaunched and rebranded as Legacy Credit Builders with a renewed mission to help families restore their credit and build generational wealth.
Through strategy, discipline, and faith, I rebuilt my own credit, joined the 700 club, purchased a home for my children and me, and paid off my vehicle. Today my score continues to grow — and I help others do the same.
Your past doesn’t define your future. Let’s build your legacy.
Meet the Business Owner: Melissa C.
Hi, I’m Melissa, founder of Legacy Credit Builders. My journey into credit repair began in 2015 after a difficult season left me with multiple evictions, repossessions, and collections. Determined to rebuild for myself and my children, I immersed myself in learning the credit system and consumer protection laws.
By 2020, I began helping others professionally, and in 2025 I relaunched in Hesperia under the name Legacy Credit Builders. I’ve rebuilt my own credit into the 700s, purchased a home, and paid off my vehicle — and now I help others do the same.
I believe your past doesn’t define your future. Let’s build your legacy.