Comprehensive Credit Solutions
From credit analysis to financial education, our services are designed to support every step of your credit improvement journey.
Comprehensive Credit Review
We perform a thorough analysis of your credit reports from all three major bureaus, identifying inaccuracies, errors, and areas that may be affecting your overall credit profile.
- Three-bureau credit report analysis
- Error and inaccuracy identification
- Detailed findings report
- Personalized improvement roadmap
Credit Dispute Management
Our team handles the dispute process on your behalf, working to address inaccurate, unfair, or unverifiable items on your credit reports through proper channels.
- Bureau dispute letter preparation
- Creditor communication
- Follow-up and tracking
- Regular progress updates
Credit Monitoring & Tracking
Stay informed about changes to your credit profile with ongoing monitoring and regular updates, helping you track your progress throughout the improvement process.
- Ongoing credit monitoring
- Progress reports and updates
- Alert notifications
- Milestone tracking
Financial Education Program
Gain the knowledge and tools to maintain strong credit habits long-term. Our educational resources cover credit fundamentals, budgeting, and smart financial strategies.
- Credit fundamentals training
- Budgeting and planning guidance
- Smart financial habits
- Ongoing educational resources
Credit Building Strategies
Learn proven strategies for building and strengthening your credit profile over time, including responsible credit utilization and diversification techniques.
- Credit utilization optimization
- Account diversification guidance
- Payment strategy planning
- Credit-building product recommendations
Identity Protection Guidance
Protect yourself from fraud and identity theft with our guidance on monitoring tools, security practices, and steps to take if your identity is compromised.
- Identity monitoring recommendations
- Fraud prevention education
- Security best practices
- Incident response guidance
Start Your Credit Repair Process
To begin working with Lux Business, please follow the steps below in order. Completing these steps helps us review your credit profile, enroll you in the correct service plan, and begin the credit improvement process as quickly as possible.
View Your 3-Bureau Credit Report
Before we begin, we need access to your credit information from all three major credit bureaus. This allows us to review your current credit profile, identify opportunities for improvement, and determine the best strategy for your situation.
Choose the credit monitoring option that works best for you to access your 3-bureau credit information.
MyFreeScoreNow
Credit monitoring and 3-bureau credit information
Access your credit information and 3-bureau credit report to better understand your current credit profile.
View My Credit Report With MyFreeScoreNowSmartCredit
Credit monitoring and 3-bureau credit information
Prefer SmartCredit? Access your credit information and monitoring through SmartCredit.
View My Credit Report With SmartCreditMyScoreIQ
Choose the MyScoreIQ plan that fits your needs
MyScoreIQ — $21.86/month
Standard credit monitoring and 3-bureau credit information.
Sign Up — $21.86/monthMyScoreIQ FICO® Scores — $34.86/month
GET THE FICO® SCORES YOUR LENDERS ARE USING
Includes FICO® Scores for:
- Home Loans
- Auto Loans
Complete Your Enrollment Form
After your payment has been submitted, complete the enrollment form so we can collect the information required to begin your file. This information helps us prepare your account and start the credit repair process.
Complete Enrollment FormReady to Get Started?
Contact us today for a free consultation and learn how we can help you on your credit improvement journey.
Completed Your Program? Need Additional Assistance?
Once you have completed the dispute rounds included in your original package, you can continue receiving dispute assistance with additional rounds for $50 per round.
1 round = $50 · 2 rounds = $100 · 3 rounds = $150 · 4 rounds = $200
To purchase additional rounds, please contact Lux Credit Repair at 726-260-6929. Payment instructions will be provided to you separately.