Turning “Not Ready” Into Fully Qualified

We help you build the credit, business, and financial foundation banks actually say yes to. No hype, no shortcuts, just a clear path to real approvals.

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Welcome to Your Legacy Solutions

We're here to help businesses and families turn the unqualified into the qualified. Our mission is to empower you to build lasting wealth, strengthen your credit, and unlock the funding opportunities you deserve. Whether you're looking to secure your dream home, grow your business, or get your finances on the right track, we provide the support and guidance to help you succeed. Let us be your partner on the journey to a brighter financial future!

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Our Services

We provide step-by-step pathways for both personal and business growth. From rebuilding after denials to preparing for homeownership or positioning your business for bank approvals, we give you the roadmap, tools, and support to get qualified the right way.

Pathways To Financial Mystery

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Pathways To Business Mystery

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How Our Process Works

You’ve tried to fix it on your own. You’ve Googled, watched YouTube videos, maybe even hired help and you’re still stuck.That’s where we come in. Our process is designed to cut through the confusion and give you a clear, proven path forward.

Book a Free Consultation

This isn’t a coaching session, it’s a fit call. We’ll talk through your current situation and see which of our programs is best aligned with your needs and goals. (Held via Google Meet.)

Get Matched with the Right Person

Whether you’re rebuilding credit, starting a business, preparing for homeownership, or facing debt. We’ll point you to the exact program that fits your situation. No pressure, just clarity.

Start Your Transformation

Once you’re enrolled, we walk with you through the process, step-by-step. You’ll finally have the structure, support, and solutions you’ve been missing.

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"Take control of your financial future with proven strategies for personal and business credit growth."

Meet Ciara Thombs

At Your Legacy Solutions, we help everyday people become qualified, whether that means buying a home, building a business, or breaking generational cycles.

Founded by Ciara, a former nurse, full-time mom, and entrepreneur who rebuilt her own credit, launched multiple businesses, and learned how to turn denial into approval. This company was born from experience, not theory.

We know what it feels like to hear “no” and we know how to help you get to “yes.”

Based in Virginia and serving clients nationwide, our mission is to give you a clear path toward financial freedom and generational wealth without the overwhelm.

Founder & CEO of Your Legacy Solutions

Here's How We Support Our Clients

Whether you're rebuilding or just getting started, Your Legacy Solutions is your partner in progress. We don’t just teach, we walk with you, every step of the way.

Homebuyers

We turn mortgage denials into approvals by guiding you through budgeting, credit transformation, and lender-ready financial prep.

Entrepreneurs

We help you build a legally sound, fundable business with the right formation, business credit, and funding prep strategies.

Families & Individuals

We provide real-world financial coaching, debt support, and consumer law tools to rebuild your foundation.

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Certified. Trusted. Qualified to Serve.

We don’t just teach credit, finance, and business we’re certified in it. These badges represent our commitment to staying educated, empowered, and aligned with the highest standards in the industry. Because when you’re choosing someone to guide your financial journey, qualifications matter.

You deserve support from someone who’s walked the walk and knows how to get you qualified the right way.

What Our Client Say

Real stories from families and business owners we’ve helped move from “not ready” to fully qualified.

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★ ★ ★ ★ ★

I highly recommend you reach out to Ciara for anything credit repair because she has many tools available which can assist you getting things corrected but also fights for what's honest and just. Great human and business professional.

Dustin Young

★ ★ ★ ★ ★

Ciara is one of a kind in her industry and is passionate about using her wealth of experience to help business owners and individuals get set up for success right from the start. She was invaluable to me in getting my business set up in Virginia after I moved from out of state, and she advised me on other business matters like setting up a mailbox and what to do if I ever needed a business loan. I have also sent people to Ciara who needed to resolve their low credit scores and finally get to a place where they could get ahead in life. I am so thankful to know Ciara, because she is a huge help and asset to so many people and business owners I know!

Christy Pessemier

★ ★ ★ ★ ★

Ciara's passion for helping businesses is unmatched. Her expansion is definitely a plus for small businesses. I am looking forward to working with her in the very near future.

Monique McKenzie