Tell the credit bureaus what to correct
Smart Lux Credit handles the back-and-forth so your score reflects what you've actually paid and where you actually live.
What does credit repair actually look like?
We start with a consultation, read every line of your credit reports, and dispute inaccuracies under the Fair Credit Reporting Act. Fast, direct, and backed by Atlanta-based expertise.
The hands behind the letters
Credit restoration is detail work. Our team reads every line of your report so we know exactly what to challenge and how.
Founder & Lead Credit Specialist
Marcus Delgado
Marcus handles the technical side of each case — auditing reports for FCRA violations and building dispute packages that hold up under review.
Senior Credit Analyst
Simone Rivers
Simone spent years inside consumer finance before starting Smart Lux Credit. She knows how bureaus categorize disputes and which language triggers results.
A free credit consultation from a credit expert who knows the process
One call gives you a clear picture of your credit and a plan for what comes next. No obligation, no fluff.
Let's be honest: credit repair isn't magic
We pull back the curtain on how it actually works.
Can you really remove anything from my credit report?
We can challenge inaccurate, unverifiable, or outdated items under the Fair Credit Reporting Act. We can't remove accurate, recent debts. Anything claiming otherwise is a red flag.
How long does this process take?
Most clients see changes within the first 60 days. Full restoration timelines vary by case complexity. We'll give you a realistic estimate after reviewing your reports.
Do you work with all three credit bureaus?
Yes. We dispute with Equifax, Experian, and TransUnion on your behalf. We handle the correspondence so you don't have to track it.
What information do I need to get started?
A copy of your credit reports — which we can help you pull — and a valid ID. That's it. No hidden requirements or stacks of paperwork.
Is this only for people with bad credit?
Not at all. We work with anyone who wants a cleaner, more accurate report. Good credit can still have errors, and a consult costs nothing to check.
Still have questions?
Send us a message, and we'll get back to you the same business day.