Helping clients towards a better quality of life

LUX Finance will find ways to improve your credit by removing inaccurate negative items that are holding back your credit scores.

As easy as 1, 2, 3!

How It Works

Take the next steps to improve your successful financial journey by following these three simple steps:

Step 1

Enroll – We’ll give you a FREE consultation and credit analysis.

Step 2

Let’s Get To Work – While we use the law to challenge negative items on your report.

Step 3

See Results – Log in to see real-time updates every step of the way.

How we can help

What We Remove

We help improve your credit by removing the following items:

Collection Accounts

When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.

Late Payments

You have a 30-day grace period with your creditors before they can report it to the Credit Bureaus. We can dispute late payments based on inaccuracies of the date they reported to the Credit Bureau or we can make a request of a "GoodWill" Courtesy Removal.

Hard Inquiries

These can be harmful to your credit score. Each hard inquiry usually causes a small credit score to decrease for a borrower. Hard inquiries can remain on your credit report for two years. A high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender. We can dispute this based on inaccuracies or make a request of a Goodwill Courtesy Removal.

Charge Offs

A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage, or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.


Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.

...and more!

Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!

LUX Finance, by the numbers.

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Disputed Accounts

Save with our packages

Credit Repair Made Affordable

Other credit repair companies charge an average of $300 per deleted item which can become expensive quickly. Considering the average credit report has 11 items that could be removed. We make it affordable by proving UNLIMITED disputes and deletions for only a fraction of the cost.

It is REQUIRED that every client keeps their credit monitoring subscription while we are working on their credit report. Credit Monitoring is offered through Identity IQ for 24.99/monthly.

Lux Finance
"Due to our previous financial mistakes, my wife and I were having difficulty finding a new home for our family, which was quite embarrassing. The Lux Finance team did not judge us and made us feel more comfortable knowing that we were not alone in this situation! "
Anderson Family
Lux Finance
"I had no trouble qualifying for a mortgage because of my military service, but the rate I originally received on my mortgage was quite high. The Lux Finance team helped me in improving my credit score so that I could refinance my loan at a much lower rate! Thank you so much, Lux Finance Help, for everything you've done for me! "
Mr. Garcia
Lux Finance
"Being a single parent is difficult. Trying to buy a house as a single parent is even more difficult... The Lux Finance team literally held my hand, fixed my credit, and put me in touch with everyone I needed to find a new home. My daughter and I cannot express how grateful we are to you!"
The Johnson Family

Here's what you might be wondering

Frequently Asked Questions

Credit Repair is the process of removing inaccurate, non-FCRA compliant, and outdated information from your credit report. Doing this in many cases can increase your score and improve your credit profile so you can be extended and approved for new credit.

A credit score is a number generally between 300 and 850, that helps determine your creditworthiness. Credit scores are calculated using information in your credit report, including your payment history; the amount of debt you have; and the length of your credit history.

The three federal credit bureaus responsible for consumer reporting in the United States are Equifax, Experian and TransUnion. You are entitled to a free annual credit report from each of the these reporting agencies.

Every credit profile is unique. Its also to be noted that there are three different credit bureaus where we would need to communicate with via certified mail in order to remove derogatory items from your credit score. We have some clients that see results in 45 days and for other clients, it may take up to 6 months. Although you may see results sooner we would rather you set your expectations for six months because credit repair is a process.

TLT Credit Help has multiple ways to make getting in touch with us easy. Customers can call, text , email , and also use the client portal to reach a specialists. We will be sure to respond swiftly within 24 hours.

Credit is part of your financial power. It helps you to get the things you need now, like a loan for a car or a credit card, based on your promise to pay later. Working to improve your credit helps ensure you'll qualify for loans when you need them at lower interest rates.

Start Immediately! Credit affects your life as soon as you become an adult and only continues to affect it as you grow older. Numerous of credit builders can see an increase in their score in as little as 30 days. The quicker you join TLT Credit Help and jump start your journey to a successful career path you will see results.

Ready to work with
LUX Finance?