01
Set Up Your SmartCredit Account
We use SmartCredit to monitor your
credit reports and scores. This helps
you and your credit specialist
stay informed about changes
to your credit profile.
Monthly Cost:
$29.99, billed by SmartCredit.
Your subscription must remain active
throughout your D'Luxe service,
as outlined in your agreement.
Important:
Once enrolled, follow the secure
onboarding instructions from your
credit specialist. Never send
your password through text or email.
02
Create Your Credit Bureau Accounts
Create free online accounts with
all three major credit bureaus.
These accounts allow you to review
your credit information and assist
with verification when necessary.
Keep your usernames, passwords,
and verification codes private.
Your specialist will explain
any necessary verification steps
through an approved secure process.
03
Prepare Your Required Documents
To verify your identity and
support your service, you may
be asked to provide:
- Government-issued photo ID
- Social Security card, if required
- Recent utility bill
-
Alternative proof of address,
if approved
Your credit specialist will provide
instructions for submitting
the documents securely.
Protect your information:
Do not send identity documents,
Social Security numbers, or
financial statements by regular email.
Use only D'Luxe's approved
secure upload process.
04
Access Your Client Portal
You'll receive a separate email
containing instructions to
access your client portal.
Depending on the available
portal features, you can:
- View credit-related updates
- Track your service progress
- Upload requested documents securely
- Review important communications
Please check your email regularly
for your portal invitation
and additional instructions.
05
Build Positive Credit Habits
While we review your credit profile,
it's important to continue building
positive financial habits.
- Make payments on time
- Keep credit balances manageable
- Monitor your credit activity
-
Review new credit applications
carefully before applying
Interested in exploring
secured credit-building products?
Review the available options
and discuss suitability with
your specialist.
Opening multiple new accounts
is not necessary for every client.
Applications may affect your credit
and may involve fees. Approval
and score improvements are not guaranteed.
06
We Get to Work!
Once your required onboarding
information has been received
and your service is authorized,
we'll begin the agreed process.
- Review your credit reports
-
Identify potentially inaccurate
or unverifiable information
-
Prepare appropriate disputes
when warranted
- Monitor dispute responses
- Provide progress updates
About timelines:
Credit repair and investigation
timelines vary. No particular
deletion, credit score increase,
or result can be guaranteed.