We help clients review their credit profiles, identify potentially inaccurate, incomplete, or unverifiable information, and challenge items when there are legitimate grounds to do so. We also provide credit education and guidance on building and maintaining a healthier credit profile.

At D'Luxe, we're about more than just disputing negative items. We want you to understand your credit so you can make smarter financial decisions long after your repair process is complete.

Every credit profile is different, so there is no one-size-fits-all timeline.

Some clients may see updates within their first 30–90 days, while others may need 6–12 months or longer, depending on the number and type of negative items, their overall credit history, and the responses received from the credit bureaus and creditors.

We don't promise overnight results. We focus on the process, your progress, and helping you build a stronger credit foundation.

No legitimate credit repair company can guarantee the removal of accurate, current, and verifiable information.

We review your credit profile and challenge information when there are valid grounds to do so. If an item is inaccurate, incomplete, or cannot be verified as required by law, it may qualify for correction or removal.

Our goal is to help you pursue the most appropriate outcome for your situation.

Depending on your credit profile, we may review:

• Collections
• Charge-offs
• Late payments
• Potentially inaccurate account balances or payment histories
• Accounts that don't belong to you
• Duplicate or incorrectly reported accounts
• Certain hard inquiries that may be inaccurate or unauthorized
• Other potentially inaccurate or incomplete information on your credit reports

Every item must be evaluated individually. Not everything negative is inaccurate or eligible for removal.

You don't need a perfect score to get started with D'Luxe Credit Repair!

Whether you're in the 400s, 500s, 600s, or already working toward the 700s, we can help you understand what's affecting your credit and what steps may help improve your overall profile.

Don't let your current score stop you from taking the first step.

We can help you work toward a stronger credit profile, but we cannot guarantee a specific score or a particular increase.

Your results depend on factors such as your payment history, credit utilization, account age, credit mix, and the information being reported. Removing inaccurate negative information alone may not be enough to reach your goal.

That's why we emphasize both credit repair and positive credit-building habits.

Yes! Credit repair is a two-way street.

We need you to stay involved in your credit journey. That means:

• Making all payments on time.
• Avoiding unnecessary credit applications.
• Avoiding new collections and preventable late payments.
• Following your personalized credit-building guidance.
• Responding to requests for information or verification codes when needed.
• Booking and attending your follow-up appointments every 30 days.

We can help you navigate the process, but your everyday financial habits matter, too. Use an approved secure verification method for any sensitive information.

SmartCredit is an important part of our credit-monitoring and review process.

Your SmartCredit membership must remain active throughout your time with D'Luxe Credit Repair. The current membership cost is $29.99 per month, subject to the provider's terms and pricing.

We use available credit information to review your profile and monitor changes approximately every 30 days. If your membership becomes inactive, we may be unable to complete your scheduled review, and your profile may be skipped until access is restored.

Please keep your membership active so we can continue working with the information needed for your case.

Your credit reports may contain different information, which is why we want you to have access to all three major bureaus:

• Experian
• Equifax
• TransUnion

Please create your free accounts through the bureaus' official websites and follow our secure onboarding instructions.

When verification codes are requested as part of your case, we'll let you know. Respond promptly so we can help keep your process moving.

Important: Never send your passwords or sensitive login credentials through an unsecured text message. Use the secure method provided by D'Luxe for any information we need.

Your follow-up appointments should be booked every 30 days.

These appointments allow us to review updates, discuss changes to your credit profile, address questions, and go over your next steps.

Please don't wait until you have a problem to check in. Staying consistent helps us keep your credit strategy organized.

I know it can be frustrating when you're putting in the work and not seeing the score you expected. But remember, credit repair is about more than a number.

Credit bureaus generally investigate disputes within applicable legal timeframes, often around 30 days, although certain situations can take longer.

Your score may not increase immediately after a dispute, and some updates may not affect your score at all. Your payment history, balances, account activity, and other scoring factors also play a role.

We'll help you understand what's changing and what areas may need more attention.

We generally recommend avoiding unnecessary applications during the process.

Multiple applications can result in hard inquiries and may affect your credit profile. Opening new accounts also creates new responsibilities that you need to manage carefully.

If you're considering a credit card, auto loan, or another financing option, speak with us first so we can discuss how it fits into your overall credit strategy.

That depends on your current credit profile, income, debt obligations, savings, and the lender's requirements.

We can help you understand your credit position and prepare for your financial goals. We also offer guidance related to home buying, car buying, and loan assistance.

However, we cannot guarantee loan approval, a specific interest rate, or financing terms. Those decisions are made by the lender.

Absolutely! We believe repairing credit is only one part of the journey.

We emphasize credit education, utilization, payment history, responsible account management, budgeting, and strategies for maintaining a healthy profile.

Because you can't repair or delete your way to great credit alone, we want you to learn how to build a profile that supports your long-term goals.

Don't panic! Having several negative items doesn't mean you can't make progress.

However, a profile with multiple collections, late payments, charge-offs, or limited positive reporting may require more time and a more detailed strategy.

Depending on your situation, the process may take 6–12 months or longer. We'll focus on reviewing the information, identifying legitimate dispute opportunities, and helping you work on the other factors affecting your credit.

Consistency matters.

If you stop responding, miss follow-ups, let your monitoring membership lapse, or continue habits that negatively affect your credit, it can interfere with our ability to review your profile and guide you effectively.

We ask every client to treat this as a partnership. We're here to help, but your participation is an important part of the process.

Our pricing depends on the service or package that best fits your needs. We'll explain the applicable fees, services, and terms before you enroll.

Any credit-monitoring membership, third-party service, or additional service fee will be explained separately when applicable.

For current packages and enrollment information, visit www.dluxeenterprise.com or contact us directly.

Getting started is simple!

1. Contact D'Luxe Credit Repair to discuss your goals.
2. Review the services, pricing, and required agreements.
3. Complete your onboarding and provide the information requested through our approved process.
4. Follow your personalized instructions and book your 30-day follow-ups.

We'll help you understand the next steps so you can move forward with more confidence.

You're not alone. Many people have tried disputing items themselves or worked with a company without fully understanding what was happening.

At D'Luxe, we want you to understand the strategy behind your credit journey. We review your current profile, discuss the information being reported, and identify appropriate next steps based on your circumstances.

Previous results don't guarantee future results, but you can still take steps to better understand and manage your credit.

We're here to help you take the next step toward your financial goals.

D'Luxe Credit Repair | D'Luxe Enterprise

Website: www.dluxeenterprise.com

Call or text: 984-275-7890

Instagram: @dluxecreditrepair

Email: [email protected]

Your credit journey doesn't have to be confusing. Let's build a strategy that makes sense for you!