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Frequently asked questions

What if I don’t see results? What is the Refund policy?


J&M Luxe Consultants offers a 100% money back guarantee if you do not see at least one or more negative items deleted from your credit report in 120 days, (4 consecutive months), you will receive 100% of all payments made to J&M Luxe Consultants. You must have made all payments on time, with no interruptions between credit monitoring and have not applied for any new credit during the dispute process or your refund will be forfeited.

What to expect during the credit repair process?

J&M Luxe Consultants take an in-depth look at your credit reports to determine which negative accounts are delaying you from reaching your credit score goals. Next, we dispute the inaccurate and unverifiable accounts. During the dispute process we provide you with the tools to build your credit. By using this method, your credit could reach a new potential.

How long does credit repair take?

Each situation is unique and so is the timeframe required to repair your credit. Many of our customers see results within the first 45-60 days (about 2 months).

J& M Luxe Consulting works on your credit on a month-by-month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit profile and credit score simultaneously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and we can not predict how they will respond.

What items can be removed?

We assist with removing all negative, inaccurate, and obsolete information. This included charge offs, collections, late payments, inquiries, bankruptcies, and more

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