Credit Repair is the process of removing and correcting inaccurate or erroneous information from your credit report. Our job is to dispute these items with all three major credit bureaus to ensure your credit report is accurate, up-to-date, and as strong as possible.

Everyone’s credit situation is different, and there is no specific time frame that you can ensure your credit will be repaired. However, the average duration of time it takes to fully repair a client's credit report ranges from four to six months.

The duration of time does depend on the number of items reflected on your credit report, the severity of the items, and the responsiveness of the credit bureaus.

The plan you qualify for is based on the negative items reflected on your credit report. There is a one-time start-up fee to integrate you into our client portal, and upon completion of your enrollment, your disputes will be sent out immediately. The monthly fee is charged every thirty to thirty-five days after your letters are sent.

Yes! If you and a significant other are both looking to get started together, the start-up fee and monthly fees are discounted by 50%. You do not have to be married, you can join with any of your family members or a friend!

You can Get Started today! Simply fill out our 60-second form, and within moments you will be connected with your dedicated credit coach, who will reach out to you, answer any questions, and help you finish enrolling in the program. They will also review your report with you and have your disputes sent out within 24 hours!

Not at all! You will never need to pay more for extra services. If you need help, we are here to assist you in the best way possible.

Our service includes a detailed evaluation to create a tailored plan of action that will help you improve your scores, maintain your scores, and help you reach any financial goals you have set.

We dispute EVERY negatively impacting item that is reflected in your credit reports, with your first round of disputes being sent out within the first 24 hours of completing your enrollment.

Yes, of course! We are here to service you and add joy to your life, not add stress. If you find yourself dealing with financial hardship while you are in our program, just reach out to your assigned credit specialist or the customer service line, and we will accommodate your needs.

Our clients have no contracts with us, you can cancel your account with us at any time. Simply reach out to us through written correspondence, either through text or e-mail, and we will be more than happy to stop your services with us.

Not at all! With our program, there are no hidden fees or any surprises to worry about.

No, you don’t! Whether you are looking to join with your significant other, family, or even friend, we will offer you the same discounted rate.

We are not a debt consolidation company. If you have a high amount of debt that’s active and would like some guidance on what you should do, as an active client, we will provide you with the necessary feedback on how to address the situation.

The reason why we have so many positive reviews on so many platforms is that we operate our business on integrity and complete transparency. If you are unsure whether or not you need your credit repair, give us a call and allow us to conduct a free consultation for you. If you need it, we will tell you why and if you don’t, we will provide you with feedback on why you don’t and what you can do to improve without our services. At LUXURY DREAMS, your goals are our goals.

We are a full-service credit repair company, we do it all for you! Leave the tedious and busy work to us, and rest assured you are in great hands.