The process is divided into three parts: The Initial Consultation, the Credit Analysis, and the Credit Score Improvement Program. The Initial Consultation is FREE. This is to determine if you need the service and if we will be able to assist you with your goals. If the service benefits you, then the next step is Credit Analysis. During the Credit Analysis, we will do more than analyze your credit report to create a customized action plan for you. We will also teach you how your credit score is calculated, other actions you can take to help improve your credit score, and much more. The last step is the Credit Score Improvement program.  This is where we create customized letters for each item on your credit report. Customized letters are far more effective at getting items deleted from your credit report because the credit bureaus are not used to receiving these types of letters. During the Credit Score Improvement program, we will remain in contact with you every step of the way. You can expect to hear from us at least every three weeks. Our goal is to keep you informed about your progress, so you do not have to follow up with us to find out what is going on with your program.

Our program is different from other programs because of our process. Other companies take your credit reports and start sending the same dispute letters that they use for all their customers. This is not effective because the credit bureaus are used to getting these letters and have set up their computer systems to automatically respond to these letters and waste time with confusing responses. We are different because we take the time to review your credit report with you to create the appropriate plan of action for each item on your credit report. This allows us to create customized letters for each item on your credit report. Customized letters are far more effective at getting items deleted from your credit report.

You can. I would only suggest hiring a credit solutions company like Houston Luxe Credit Solutions, if you’re not well-versed in credit laws, you don’t have the time to complete the cumbersome task, or you can afford to do so. Otherwise, it can be done yourself.

We charge a flat monthly fee of $99/month. We have seen this program work better than other programs where you only pay for items that are successfully deleted from your credit report. For example, the pay-for-delete costs to improve your credit score can be $50 per deletion per bureau for collections and charge-offs, $75 for repossessions and child support, and $100 for Judgements, Bankruptcies, and Foreclosures. We only charge a fixed monthly fee WITH unlimited deletions until your credit goals are reached.
But, if for some reason, you are not satisfied after 90 days, we offer a MONEY-BACK GUARANTEE!

A credit file is like a fingerprint; they are all different. Unfortunately, we cannot give you a set time, but we have finished some clients in as little as 2 months while others have been taken more than 12 months.

Anything less than 6 months is unrealistic. A good rule of thumb is 6 to 12 months. But the 6 to 12 months is a generic answer; it truly depends on what your report has or does not have on it. So individual time frames will vary.

We work to identify and remove any inaccurate, obsolete, unfair, or items that you feel are questionable on your credit report. So yes, under those circumstances, they can be removed

Yes. We work to get removals of any information that is in accurate, obsolete, unfair, or questionable. According to the FCRA you have a right to dispute any items that you feel fall into either of those categories.

No, we don’t, and unless its legitimate Identity theft a credit sweep is Illegal and someone or company that is caught giving false information to authorities could face serious consequences.

The program is designed so that you only pay for items that are successfully deleted from your credit report. The initial consultation is free. This is to determine if you need the service and if we will be able to assist you with your goals. If the service will benefit you then we conduct a credit analysis that allows us to review your credit report and create an action plan to improve your credit score. The credit analysis/audit is $360 and is due when the credit analysis is complete. During the Credit Analysis, we will do more than analyze your credit report to create a customized action plan for you. We will also teach you how your credit score is calculated, other actions you can take to help improve your credit score, and much more.

We offer a 90-Day Money Back Guarantee, and you can cancel your program at any time. It’s just that simple

Only after completing your FREE credit consultation and credit report analysis that we perform with you. During the Credit Analysis, we will do more than analyze your credit report to create a customized action plan for you. We will also teach you how your credit score is calculated, other actions you can take to help improve your credit score, and much more.

You have a right to dispute anything on your credit report that you feel is an accurate, outdated, or unfairly reporting on your credit report, so yes, it’s legal.

At this time, you would not qualify for our program. To ensure everything is done correctly, you must commit to the process. We typically see 45-60 days after we start, and the overall process usually takes anywhere from 6 to 12 months depending on your specific file.

No, your life is hard enough. We take care of sending all letters.

No. When you dispute online, you waive some of your rights. Also, you have no paper trail to use as leverage in later rounds if necessary.

No, I cannot, it is illegal for us to guarantee you any results, but what we can guarantee you is that we are working hard on your behalf to have these items removed, so far, we have been successful at removing student loans, and late payments, etc.

Paying for credit monitoring is a great benefit for you. CreditHeroScore helps to keep the cost of the program low because the software automatically downloads your credit report into our system each month. This allows us to track the changes to your credit report and send updated responses to the credit bureaus in real-time without a lot of manual labor. Unfortunately, free credit reports like Credit Karma do not allow automatic downloads and only limit you to two credit bureaus.

Yes, you must upload every letter that you receive from the credit bureaus as soon as possible. We need to know every action that the credit bureau has taken so we can quickly respond to get the items deleted from your credit report.

No, we handle all the letter mailing for you. We do require that you upload every response that you receive from the credit bureaus as quickly as possible.
That depends on what items are deleted from your credit report and if there are any additional steps that you need to take to help increase your credit score, like improving your payment history or keeping your utilization low on credit cards as well as how long you participate in the program.
We will remain in contact with you every step of the way. You can expect to hear from us at least every 45 to 55 days. Our goal is to keep you informed about your progress, so you do not have to follow up with us to find out what is going on with your program. But you will also have access to your client portal where you can view everything happening in real-time.
9 times out of 10, no. We work to ensure that we work on factual disputing. This way once they are removed, they cannot re-report.
We guarantee that we will work our best to get you excellent results but there is no guarantee of what items will be removed.
  • We will ask you to open credit builder’s accounts if needed
  • Pay down open credit cards down to 10% of the available balance
  • Do not apply for credit (even Cosigning is applying for credit) or refinance anything.
There are two different approaches. You can give pay down the ones with the highest interest rates first which will save you money over the long run. Or you can pay the ones with the smallest balances first. You’ll get some quick wins and motivate yourself to pay down the higher balances while improving your utilization.
You may say, “I already use Credit Karma”. But Credit Karma only pulls the Vantage Score from 2 of the 3 common credit bureaus (TransUnion and Equifax) Secondly, 90% percent of banks and lenders use your FICO score. You may not be getting the most accurate scores when only using Credit Karma.
The goal is to GET OFF THE PHONE. The collector’s job is to get you to admit to the fact that you owe the debt, essentially making you do their job for them. Try saying “I don’t discuss my personal financial matters over the phone with people I don’t know. “Please send any correspondence of this matter to the mailing address you have on file”. Then hang up!
We use the law to our advantage by disputing the errors on your report by sending in dispute letters on your behalf to get those errors removed from your credit report.
We have a money-back guarantee policy, if nothing is removed within 90 days, we give you your money back minus the processing fee at the time of startup.
Yes, they can be removed but keep in mind that even if removed that does not remove the debt obligation.
No never. We will help you establish credit builder accounts under your name.

35% Payment History 30% Utilization 15% Credit Age 10% Inquiries 10% Mix of Credit

If you have a long-standing card account in good standing, keep it open so you can keep the credit history. You may need to confirm with the creditor how often you need to use it to keep it open. You may need to make small purchases ever so often and pay them off.
There are two types of inquiries. Hard inquiries and soft inquiries. Hard inquiries can ding your credit. Examples would be inquiries for a car or a bank loan. Soft inquiries do not harm your credit. An example would be when you pull your own credit file or when a potential employer pulls your credit for employment purposes.
Typically, this decrease in the score is temporary. If this bank loan was the only installment account on your credit report, you do not have as much of a credit mix as you once had. Your mix of credit is 10% of your score.
Typically, when you apply for credit at a dealership and get denied, the system often automatically sends your information to other lenders attempting to get you approved. It may be best to work through a bank or your credit union for an auto loan to prevent multiple inquiries from appearing on your credit file.