Rebuild Your Credit.

Upgrade Your Life.

Lux Credit & Funding helps you challenge questionable negative items, strengthen your credit profile, and move forward with more confidence toward funding, approvals, and homeownership.

Rebuild

Your Credit.

Upgrade

Your Life.

Lux Credit & Funding helps you challenge questionable negative items, strengthen your credit profile, and move forward with more confidence toward funding, approvals, and homeownership.

Why Clients Choose Lux Credit & Funding

A personalized credit audit tailored to your profile and financial goals
Strategic dispute support designed to address questionable negative items
Clear action steps to help strengthen your credit profile
Guidance for clients preparing for funding, major purchases, and homeownership
Expert insight from a Credit Specialist and Licensed Realtor who understands lender expectations
A transparent, results-driven process focused on long-term progress

Why Clients Choose Lux Credit & Funding

A personalized credit audit tailored to your profile and financial goals
Strategic dispute support designed to address questionable negative items
Clear action steps to help strengthen your credit profile
Guidance for clients preparing for funding, major purchases, and homeownership
Expert insight from a Credit Specialist and Licensed Realtor who understands lender expectations
A transparent, results-driven process focused on long-term progress

Negative Items We May Challenge

We review your credit report carefully and challenge items that may be inaccurate, outdated, incomplete, misleading, or unverifiable.

*All items are reviewed case by case. Not every item qualifies for dispute, and results vary based on documentation and reporting accuracy.

Negative Items

We May Challenge

We review your credit report carefully and challenge items that may be inaccurate, outdated, incomplete, misleading, or unverifiable.

*All items are reviewed case by case. Not every item qualifies for dispute, and results vary based on documentation and reporting accuracy.

Choose The Credit Support

That Fits Your Next Move

Whether you need a simple credit cleanup or a more aggressive restoration strategy, our packages are designed to help you challenge negative items and move toward stronger financial opportunities.

STARTER CREDIT CLEANSE

Perfect for clients who need to begin cleaning up their credit profile and take the first step toward improvement.

What’s Included:

Full 3-Bureau Credit Audit
Personalized Credit Action Plan
Dispute of up to 5 negative items
Inquiry Dispute Round
Creditor Contact Strategy
45-Day Progress Check

$297

CREDIT

REBUILD PACKAGE

For clients who need deeper credit repair, stronger strategy, and better score positioning for major financial goals.

What’s Included:

Full 3-Bureau Credit Audit
Custom Dispute Strategy
Dispute of up to 10 negative items
Inquiry Removal
Debt Validation Letters
3 Rounds of Bureau Disputes
Credit Score Building Guide

$497

ELITE

CREDIT

RESTORATION

Designed for serious credit rebuilding and a more aggressive dispute strategy for complex credit situations.

What’s Included:

Full Credit Profile Investigation
Unlimited Bureau Disputes (120 Days)
Inquiry Removal Strategy
Late Payment & Collection Disputes
Creditor Goodwill Letters
Credit Building Strategy Plan
Monthly Progress Updates

$897

Homebuyer Credit Accelerator

Best for clients preparing to buy a home

in the next 3–12 months

What’s Included:

Full 3-Bureau Credit Audit
Unlimited Disputes (6 Months)
Collection & Charge-Off Removal Strategy
Rapid Score Improvement Plan
Mortgage Readiness Consultation
Debt-to-Income Optimization Strategy
Tradeline & Credit Building Guidance
Homebuyer Pre-Qualification Review

$1,397

Couples Credit Power Package

Perfect for couples preparing for

homeownership together

What’s Included:

Credit analysis for BOTH partners
Unlimited disputes for both reports (6 months)
Inquiry removal strategy
Debt elimination plan
Joint mortgage readiness consultation
Debt-to-income optimization
Credit score boosting strategy for both partners
Homebuyer roadmap

Bonus: First-Time Homebuyer Strategy Session

$1,997

Choose The Credit Support That Fits

Your Next Move

Whether you need a simple credit cleanup or a more aggressive restoration strategy, our packages are designed to help you challenge negative items and move toward stronger financial opportunities.

STARTER CREDIT CLEANSE

Perfect for clients who need to begin cleaning up their credit profile and take the first step toward improvement.

What’s Included:

Full 3-Bureau Credit Audit
Personalized Credit Action Plan
Dispute of up to 5 negative items
Inquiry Dispute Round
Creditor Contact Strategy
45-Day Progress Check

$297

CREDIT

REBUILD PACKAGE

For clients who need deeper credit repair, stronger strategy, and better score positioning for major financial goals.

What’s Included:

Full 3-Bureau Credit Audit
Custom Dispute Strategy
Dispute of up to 10 negative items
Inquiry Removal
Debt Validation Letters
3 Rounds of Bureau Disputes
Credit Score Building Guide

$497

ELITE

CREDIT

RESTORATION

Designed for serious credit rebuilding and a more aggressive dispute strategy for complex credit situations.

What’s Included:

Full Credit Profile Investigation
Unlimited Bureau Disputes (120 Days)
Inquiry Removal Strategy
Late Payment & Collection Disputes
Creditor Goodwill Letters
Credit Building Strategy Plan
Monthly Progress Updates

$897

HOMEBUYER

CREDIT

ACCELERATOR

Best for clients preparing to buy a home in the next 3–12 months

What’s Included:

Full 3-Bureau Credit Audit
Unlimited Disputes (6 Months)
Collection & Charge-Off
Removal Strategy
Rapid Score Improvement Plan
Mortgage Readiness Consultation
Debt-to-Income Optimization Strategy
Tradeline & Credit Building Guidance
Homebuyer Pre-Qualification Review

$1,397

COUPLES CREDIT

POWER PACKAGE

Perfect for couples preparing for

homeownership together

What’s Included:

Credit analysis for BOTH partners
Unlimited disputes for both reports (6 months)
Inquiry removal strategy
Debt elimination plan
Joint mortgage readiness consultation
Debt-to-income optimization
Credit score boosting strategy for both partners
Homebuyer roadmap

Bonus: First-Time Homebuyer Strategy Session

$1,997

Meet the Founder

Hi, I’m Deteiria Stoves

As the founder of Lux Credit & Funding, a Credit Specialist, Entrepreneur, and Licensed Realtor based in Birmingham, Alabama, I help individuals and families repair their credit, position themselves for funding, and move closer to homeownership.

Through proven credit restoration strategies, I have helped clients challenge negative items, strengthen their credit profiles, and unlock new financial opportunities. Lux Credit & Funding has been recognized as the #1 Credit Repair Company in Birmingham, Alabama, for four consecutive years and counting.

As a Licensed Realtor, I understand what lenders look for and help clients take smarter steps toward funding, approvals, and long-term financial stability.

Meet the Founder

Hi, I’m Deteiria Stoves

As the founder of Lux Credit & Funding, a Credit Specialist, Entrepreneur, and Licensed Realtor based in Birmingham, Alabama, I help individuals and families repair their credit, position themselves for funding, and move closer to homeownership.

Through proven credit restoration strategies, I have helped clients challenge negative items, strengthen their credit profiles, and unlock new financial opportunities. Lux Credit & Funding has been recognized as the #1 Credit Repair Company in Birmingham, Alabama, for four consecutive years and counting.

As a Licensed Realtor, I understand what lenders look for and help clients take smarter steps toward funding, approvals, and long-term financial stability.

See How Clients Transform

Their Credit And Future

From stronger credit profiles to new financial opportunities, these stories show what is possible with the right strategy, guidance, and support.

See How Clients Transform Their Credit And Future

From stronger credit profiles to new financial opportunities, these stories show what is possible with the right strategy, guidance, and support.

Frequently Asked Questions

How does the credit repair process work?

We review your credit report, identify negative items that may be inaccurate, outdated, incomplete, misleading, or unverifiable, and create a dispute strategy based on your credit profile and goals.

What types of items can be challenged?

Depending on your report, we may review collections, charge-offs, late payments, medical bills, hard inquiries, and other questionable negative reporting.

Do you guarantee deletions or score increases?

No. We do not guarantee specific removals, score increases, or approvals. Every credit profile is different, and results vary.

Which package should I choose?

The Starter Credit Cleanse is best for minor credit issues and a simple first step. The Credit Rebuild Package is best for deeper repair and score improvement. The Elite Credit Restoration package is best for more serious credit challenges and clients who need a stronger strategy.

Can this help me prepare for homeownership or funding?

Yes. Our process is designed to help you strengthen your credit profile so you can be better positioned for mortgages, car loans, business funding, and other major financial opportunities.

Frequently Asked Questions

How does the credit repair process work?

We review your credit report, identify negative items that may be inaccurate, outdated, incomplete, misleading, or unverifiable, and create a dispute strategy based on your credit profile and goals.

What types of items can be challenged?

Depending on your report, we may review collections, charge-offs, late payments, medical bills, hard inquiries, and other questionable negative reporting.

Do you guarantee deletions or score increases?

No. We do not guarantee specific removals, score increases, or approvals. Every credit profile is different, and results vary.

Which package should I choose?

The Starter Credit Cleanse is best for minor credit issues and a simple first step. The Credit Rebuild Package is best for deeper repair and score improvement. The Elite Credit Restoration package is best for more serious credit challenges and clients who need a stronger strategy.

Can this help me prepare for homeownership or funding?

Yes. Our process is designed to help you strengthen your credit profile so you can be better positioned for mortgages, car loans, business funding, and other major financial opportunities.

Your Next Opportunity

Starts With Better Credit

Take the next step toward cleaner credit, stronger funding potential, and the path to homeownership with Lux Credit & Funding.

Your Next Opportunity Starts

With Better Credit

Take the next step toward cleaner credit, stronger funding potential, and the path to homeownership with Lux Credit & Funding.

Lux Credit & Funding provides credit education and credit improvement services. We do not guarantee specific results, score increases, deletions, funding approvals, or mortgage approvals. Results vary based on each individual credit profile, documentation, and reporting accuracy. All services are provided in accordance with applicable consumer protection laws.

Lux Credit & Funding

Lux Credit & Funding provides credit education and credit improvement services. We do not guarantee specific results, score increases, deletions, funding approvals, or mortgage approvals. Results vary based on each individual credit profile, documentation, and reporting accuracy. All services are provided in accordance with applicable consumer protection laws.

Lux Credit & Funding