Here's how it all works, step by step.

The Full Credit Repair Process

Free Consultation & Enrollment








After completing your consultation you will be sent instructions via welcome email and text message on the necessary steps needed to move along with the process.

Before we begin...

Sign Your Agreement

Contracts, every company has them! But don’t worry! Lux Finance does not commit clients to a long-term agreement. Clients are enrolled on a month-to-month basis and reserve the right to cancel their membership at any time! Nevertheless, clients must sign with their digital signature in order to move forward to Step 2.

Step 1

Set Up Your Credit Monitoring

In order to provide credit repair we must first be able to TRACK & MONITOR the challenges on a regular basis. This is why we have partnered with IdentityIQ to provide you with high-quality consumer data reports. Not only do we “Track” “Build” & “Master” your credit. You get fraud monitoring all in ONE place as well.

Step 2

Proof Of Identity

Upload photocopies of your proof of identification in your secured client portal.

Step 3

Let The Disputing Process Begin!

This is where magic finally begins! Nothing makes us happier than getting our clients to this point. By this time, we have completed your “Credit Improvement Action Plan” and we are now preparing your file to begin the disputing process and mailing out your letters. Keep in mind, EVERY SINGLE NEGATIVE ACCOUNT that we determine can be corrected is written individually to your specific profile. THERE ARE NO “COOKIE CUTTER” LETTERS HERE!

Step 4

The infamous "Waiting Game"

According to the Fair Credit Reporting Act when a dispute is filed against a creditor you must allow that creditor a legal 30 calendar days to respond to the dispute. The reason why the creditors are allowed 30 days to a written response is because the credit bureaus are working with both your creditors and collectors to investigate the accuracy of each account in dispute. Don’t be discouraged, there is still plenty of work to be done at Lux Finance! This is why we will be emailing, texting, and communicating with you on a weekly, and in certain cases on a daily basis! Should you have any questions or concerns definitely feel free to reach out to us for support.


Step 5

New Reports & Scores

At this point in your journey you should be receiving correspondence in the mail from the credit bureaus regarding your first round of investigations. There is no guarantee that everything will be removed with every dispute submitted. Please know that our goal is to accurately get your credit reports cleared up in the shortest period of time with all Three Major Credit bureaus.


Step 6


After we have reviewed your file as a whole we will then follow up with all necessary credit reporting agencies, original creditors, and send debt validation letters to any remaining debt collectors. Our focus is to never take “NO” for an answer and fight until we have you one. We repeat this process month after month until we get the desired results from all parties involved.

Step 7

Start Adding New Credit

Now is an excellent time to start rebuilding and re-establishing your credit history with the credit bureaus. Luckily for you, we have partnered with several companies to help you establish your credit with a secured credit card to help make credit building easier. If you need advice as to which starter credit cards you should start applying for, simply contact us to view our recommendations.

Step 8

Ongoing Battle Until YOU WIN!

Although, you may notice the results slowing down here, that does not mean you must wave the white flag. Each month with each round we get more and more aggressive until we are victorious. Remember to trust the process and we will continue to educate you with free tips. More importantly be willing to take suggestions. YOU WILL TRIUMPH AND BE SUCCESSFUL.

FInal step and we grow!

By the numbers.

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Points Increased
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Disputed Accounts

Ready to work with
LUX Finance?