Luxe Credit Concierge is a boutique credit repair and education company. We review your credit reports with you personally, help you dispute information that is inaccurate, and guide you toward goals like homeownership and lasting financial stability.
Illustration for explanation only. Individual results vary.
If something on your credit report is inaccurate, incomplete, or cannot be verified, you have the right to dispute it. We guide you through every one.
Reported lates with wrong dates, amounts, or status.
Duplicate, outdated, or unverified collection accounts.
Balances or details that are reported incorrectly.
Inquiries you did not authorize or recognize.
Inaccurate deficiency balances and account details.
Bankruptcies and records reported with errors.
Accounts that are not yours or resulted from fraud.
Wrong names, addresses, or employers on file.
Accurate, timely, and verifiable information cannot be lawfully removed, and we will always be honest with you about that.
Credit can feel confusing, personal, and sometimes overwhelming. I created Luxe Credit Concierge so you never have to figure it out alone. Rather than handing you a login and a sales pitch, I take the time to learn your story, review your reports with you, and explain what we find in plain language.
Together we challenge information that is inaccurate and build simple habits that protect your progress. My goal is for every client to feel informed, supported, and confident on the way to homeownership, greater financial stability, and the life they are building.
You will always know what is happening, what comes next, and what we need from you.
A relaxed conversation about your goals, your concerns, and where your credit stands today.
You complete our secure intake form and we pull together your reports from all three bureaus.
We review every account with you, identify inaccurate or unverifiable items, and prepare and send disputes.
Follow progress in your client portal while we coach you on habits that build and protect strong credit.
Credit bureaus generally have about 30 days to investigate each dispute. Most clients work with us over several months.
Each service is designed for a different starting point. Not sure which is right for you? That is exactly what your free consultation is for.
Pricing shared at consultation
Pricing shared at consultation
Pricing shared at consultation
| What is included | Review Session | Restoration | Building and Coaching |
|---|---|---|---|
| Review of all three credit reports | ✓ | ✓ | ✓ |
| Personalized written action plan | ✓ | ✓ | ✓ |
| Dispute preparation and tracking | ○ | ✓ | ○ |
| Client portal progress updates | ○ | ✓ | ✓ |
| Credit building and budget coaching | ○ | ✓ | ✓ |
| Homeownership readiness guidance | ○ | ○ | ✓ |
Real experiences, always shared with permission.
I was nervous to even look at my reports. Ladijesh walked me through every account with so much patience, and for the first time I actually understood my credit.Sample Client, Baton Rouge
She was honest about what could and could not be disputed, kept me updated the whole time, and taught me habits I still use every month.Sample Client, Houston
Working toward my first home felt overwhelming until I had a real plan. The one on one support made all the difference.Sample Client, Dallas
Sample testimonials shown for design purposes until verified client stories are approved. Testimonials reflect individual experiences. Individual results vary and are not guaranteed.
Understanding what shapes your credit puts you back in control. Start with these essentials.
Payment history and how much of your available credit you use carry the most weight, followed by account age, credit mix, and new credit.
Read more ↗ DisputesWhat happens after a dispute is filed, how bureaus investigate, and what to do with the results.
Read more ↗ HabitsWhy keeping balances low compared to your limits is one of the best things you can do for your credit.
Read more ↗ HomeownershipHow lenders look at your credit and what to prepare before you apply for a home loan.
Read more ↗No. No one can honestly guarantee a specific score or the removal of accurate information, and we never will. What we do promise is a thorough review, careful work on items that appear inaccurate or unverifiable, and education that helps you build stronger credit over time.
Every credit profile is different. Bureaus generally have about 30 days to investigate each dispute, and many clients work with us over several months. We will give you a realistic picture during your consultation.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus for free. Clients choose a concierge service for the expertise, organization, time savings, and education we provide.
No. Reviewing your own credit reports does not affect your score, and disputing inaccurate information does not lower it.
Book a consultation or complete our intake form. We will let you know exactly what to have ready, such as a photo ID and proof of address.
Clients receive access to a secure client portal where you can view updates, upload documents, and stay in touch with us between conversations.
You do not need to have everything figured out. Bring your questions, and we will bring the plan, the patience, and the support.
Talk with Ladijesh about your goals and find the right service for you.
Call to schedule →Share your information securely so we can prepare for your review.
Open intake form →Current clients can view progress, upload documents, and message us.
Client login →Send a message, call, or email. Every inquiry is answered personally.