Demand Accuracy. Delete the Damage.
Build Your Future.
Thousands trust us to remove negative inaccuracies, restore their credit, and unlock real financial opportunities without overpriced monthly plans.
Thousands trust us to remove negative inaccuracies, restore their credit, and unlock real financial opportunities without overpriced monthly plans.
Why Clients Choose Us
Done for you service
We handle everything so you can focus on your goals
Clear timeline
Set expectations and deliverables from day one
Law based process
Built on federal consumer protection laws
No gimmicks
Honest, ethical practices with transparent results
Secure client portal
Track your progress 24/7 with full transparency
PRICING
Choose Your Plan
Basic Program
$399/One Time Payment
Comprehensive Credit Analysis
Personalized Credit Improvement Plan
Full Credit Report Review
Credit Profile Optimization Strategy
Personalized Dispute Strategy
Credit Monitoring Guidance
Ongoing Credit Education
Funding Readiness Assessment
Email Support Throughout the Program
Customized Action Plan
Program Timeline:
Estimated Completion: 30–120 Days
*Timeline may vary depending on client participation, creditor response times, and credit bureau processing.
Designed for individuals serious about becoming homeowner-ready not just improving a credit score. No Contract - Cancel Anytime
Expedited Program
$2,000/One Time Payment
Everything Included in the Basic Credit Program PLUS:
Secondary Cleaning (Lexis Nexis, Innovis, Clarity, FactorTrust, Early Warning, ChexSystems)
LLC Structure Assistance
Priority File Processing
Expedited Credit Profile Optimization
Banking Relationship Strategy
High-Limit Credit Positioning Strategy
Business Funding Roadmap
One-on-One Strategy Sessions
Priority Email Support
Program Timeline:
Estimated Completion: 15-45 Days
*Timeline may vary depending on client participation, creditor response times, financial institution processing, and credit bureau processing.
Perfect for individuals ready to build a stronger credit foundation and improve their financial future. No Contract - Cancel Anytime
Expedited plus Program
$3,000/One Time Payment
Everything Included in the Basic Credit Program PLUS:
Secondary Cleaning (Lexis Nexis, Innovis, Clarity, FactorTrust, Early Warning, ChexSystems)
LLC Structure Assistance
Priority File Processing
Expedited Credit Profile Optimization
Banking Relationship Strategy
High-Limit Credit Positioning Strategy
Business Funding Roadmap
One-on-One Strategy Sessions
Priority Email Support
Program Timeline:
Estimated Completion: 15-45 Days
Funding and access included
*Timeline may vary depending on client participation, creditor response times, financial institution processing, and credit bureau processing.
Perfect for individuals ready to build a stronger credit foundation and improve their financial future. No Contract - Cancel Anytime
MEET THE CEO: EBONY ELLIOTT
Hi, I’m Ebony Elliott, founder of B&M Luxe Co. LLC.
My passion is helping individuals and business owners build stronger financial futures through credit education, credit improvement, business credit, funding strategies, and financial coaching.
At B&M Luxe Co., we believe your past doesn’t define your future. With the right strategy, guidance, and commitment, you can build a solid financial foundation and unlock new opportunities.
Thank you for trusting B&M Luxe Co. LLC. I look forward to helping you strengthen your credit, build wealth, and achieve your financial goals.
Let’s build your future—together.
Hi, I’m Ebony Elliott, founder of B&M Luxe Co. LLC.
My passion is helping individuals and business owners build stronger financial futures through credit education, credit improvement, business credit, funding strategies, and financial coaching.
At B&M Luxe Co., we believe your past doesn’t define your future. With the right strategy, guidance, and commitment, you can build a solid financial foundation and unlock new opportunities.
Thank you for trusting B&M Luxe Co. LLC. I look forward to helping you strengthen your credit, build wealth, and achieve your financial goals.
Let’s build your future—together.
What We Can Remove
Foreclosures
Help disputing mortgages and agencies
Collections
Old debts sold to agencies that hurt your score.
Medical Bills
Incorrect or outdated records
Judgements
Court related debt issues
Medical Bills
Incorrect or outdated records
Late Payments
Inaccurate reporting of payment history
Repossessions
Help with inaccurate auto loan reporting
Public Records
Removing liens, judgments, and other records
Charge-Offs
Written off debts harming your score
WHAT HAPPENS
AFTER PURCHASE?
01
Purchase Your Plan
Secure your spot and get started.
02
Activate Smart Credit ($29.90/MONTH REQUIRED)
Mandatory to start your service
Must be activated immediately after purchase and submit the $29.90 payment
We cannot access or work your credit without it
NO SMART CREDIT = NO SERVICE (ACCOUNT ON HOLD)
03
Complete Onboarding + Submit Documents
Check your email immediately after purchase and complete onboarding.
Required Documents (Non-Negotiable)
Valid Government ID
Social Security Card or SSN
Proof of Address (dated within last 30 days)
Acceptable forms of proof of ADDRESS
Utility bill · Bank statement · Lease or mortgage statement
04
We Begin Your Disputes
Once Smart Credit is active and onboarding is complete:
Your 1st round is sent out after onboarding is completed
You receive monthly disputes until graduated/canceled (unless on special plan)
A new round is sent every 35–45 days
We handle the process and you focus on results
Important
If any step is incomplete:
Smart Credit not active
Onboarding not completed
Documents not submitted
Your Account Will Not Be Started
Testimonial
STILL NOT SURE?
Frequently Asked Questions
How Long Does it take to see Results?
Results vary based on your credit profile, but many clients begin seeing changes within the first 30–45 days. Some accounts may be removed quickly, while others require multiple dispute rounds for maximum results.
What Items can you Remove?
We work to remove inaccurate, outdated, or unverifiable negative items, including:
* Collections
* Charge-offs
* Late payments
* Repossessions
* Inquiries
* Certain public records
Every account is challenged strategically using consumer protection laws to ensure the best possible outcome.
How Can I Improve My Score?
In addition to our dispute process, we guide you on:
* Lowering credit utilization
* Building positive payment history
* Adding credit-building accounts
* Strengthening your overall credit profile
Our goal is not just deletion — it’s long-term credit growth.
How Long Does it Take to Fix My Credit?
Results vary based on your credit profile, but many clients begin seeing changes within the first 35–45 days. Some accounts may be removed quickly, while others require multiple dispute rounds for maximum results.
Are There any Refunds?
Yes — we stand behind our service.
If no deletions are achieved within 120 days, you may be eligible for a refund.
Please note: Clients must remain active in the program, maintain credit monitoring, and follow all required steps to qualify.
Do You Guarantee Results
Because every credit profile is different, we cannot guarantee specific results. However, we are committed to providing professional credit improvement support, strategic dispute efforts, and guidance designed to help you work toward your financial goals.