Good Credit, Better Living, Let Us Help Change Your Lifestyle!
The Lavish Credit Lifestyle is your one stop solution for all your credit improvement and realty needs! We assist you with your credit report and score so you can qualify for your mortgage loan to live the lifestyle you desire! Don’t need a mortgage? We can still assist you as well!
Credit Score Improvement
We help improve your credit score so that you can obtain your financial goals. We have a seamless system that allows you to track your process 24/7 through your client portal. Our system gives consumers the motivation to keep improving their scores.
Realty Solutions
We help accomplish real estate goals. We also provide and have access to all things related to real estate. We even have affiliates that are top realtors and loan officers across the nation! First time homebuyers are welcomed! Investors are welcomed!
Proper Education
We do not stop after improving your credit score. We teach you to understand how credit works and why it is important. Learning to maintain your credit score and manage your finances will allow you to avoid pitfalls and fulfill your dreams with confidence.
About Us
In such a short-time frame of beginning operation in 2018, our company has changed many hardworking consumers lives for personal and business reasons. Our mission is to help guide consumers in the direction to live the lifestyle they desire. We accomplish this by educating consumers about credit and financial freedom.
We are the advocate for hardworking consumers that are denied homeownership due to erroneous, misleading, unproven, or negative information on their credit report by disputing those items based on the Fair Credit Reporting Act (FCRA). We also assist future homeowners with getting pre-approved for mortgage loans and finding their new home.
The Lavish Credit Lifestyle also help consumers outside of homeownership goals.
We understand that good credit and healthy money habits create opportunities, produces generational wealth, and make it possible to have access to finer things in life. Allow the Lavish Credit Lifestyle, to assist with your credit goals!
Schedule CONSULTATION
How does it work?
Our proven system follows a simple process to improve your credit and make the lifestyle you desired more attainable.
Schedule A Consultation
We analyze your credit report with you and gain a better understanding of your credit needs.
Receive A Credit Audit
Based on your information with an in-depth look at your credit report by our Credit Auditors, we develop a personalized strategy for you and email you a credit audit report.
We Take Action
We then prepare customize dispute letters on your behalf for all three bureaus. Usually with in 30-45 days the bureaus will respond to you directly with your results.
What To Expect
We Offer Outstanding Client Care to Our Clients!
Monthly Updates
Our experienced team will provide personalized monthly phone consultations.
Unlimited Disputes
No matter how many issues you have in your initial credit report, our aim is to get erroneous, misleading, unproven, or negative information removed.
Accountability
We vow to do our part, however restoring credit also requires you to make changes. So, we offer a quarterly zoom accountability call. We are your accountability partner!
Unlimited Support
Our friendly support team is available and ready to assist! Our team will answer any questions or concerns you may have.
Our Packages
Repairing your credit score is not as easy as it sounds. You have to go through several processes, talk to different people, and handle various paperwork. Knowledge, time, and patience are the factors that must be on your side to get a positive result.
This package is great if you just need credit restoration and/or you were referred to us.
- The Lavish Diamond Package
-
Singles $199
Couples $299enrollment/audit fee
- $119 Monthly Investment
- $119 Monthly Investment
- Credit Education
- Credit Building
- Public Records Pay per Delete
- 3 Bureau Audit-Analysis
- 24/7 Client Portal Access
- Unlimited Disputes
- Weekly Emails
- Customer Service Support
- Monthly Updates
- Cancel Anytime
- Money-Back Guarantee if No Deletions in 6 Months*
- Enroll Today
This package is great if you have the time to invest into restoring your own credit.
- The Lavish Gold DIY Digital
-
$ 349
One-Time Investment
- Give Yourself Credit DIY E-Book
- 15 Dispute Letter Templates (additional charge for bankruptcy or Repo templates)
- DIY Credit Improvement Planner
- 30 Minute Zoom Call
-
Please note you can purchase anything in the DIY Kit Separately, plus we have other DIY Digital Products
-
What Past Clients Are Saying
-
“This was one of the best decisions I’ve made with trying to increase my credit .My credit increased each month & i definitely met my goal plus more . I highly recommend she’s very sweet professional & honest. Positive: Professionalism, Quality, Responsiveness, Value”Tiara Jenkins
-
“Coya is amazing! She is very professional and knowledgeable of her business. She worked with me on repairing my credit and I’ve seen nothing but improvement since! Thank you Ms. Stewart for helping me join the 700+ club!!!!! Positive: Professionalism, Quality, Responsiveness, Value”
Brianna Hill
-
“I love that Coya Stewart goes over and beyond to make sure I turned in letters on time. She set up virtual meetings for us occasionally, and she provides an answer to every question I throw at her. She is professional at all times, but her diligence makes this process worthwhile. Positive: Professionalism, Quality, Responsiveness, Value”
Samantha Jenkins
-
“I was looking to get a loan to expand my business, but my low credit score was causing a lot of problems. Coya from The Lavish Credit Lifestyle held my hand and helped me improve my credit score. She also educated me throughout the process so once the service was completed, I will know how to maintain my scores. Today I have ex”Travon Webster
Owner of Mars Seven
-
How long does the process take?
The timeframe varies because every credit report is not the same. Plus, when disputing we cannot predict how the bureaus, creditors or collection agencies will respond back. However, our goal is to have clients complete within 3 - 12 months.
-
How can I cancel service?
Simply send a letter to our office via mail:
The Lavish Credit Lifestyle, LLC 3379 Peachtree Rd. NW, Suite 555 Atlanta, Ga 30326or email to cancel@thelavishcreditlifestyle.com before the next billing month starts. Once canceled, you will be charged a final payment since billing occurs after services have been rendered.
Ex. Work done in June will be charge July. Service cancel will not charge in August and moving forward.
-
When should I see results?
Credit bureaus have 30 - 45 days to process disputes. You can start see results as little as 30-45 days depending on your credit profile. Typically, you should see results each month you are in the program. The more you are involved doing your part and following instructions, the better the results will be.
-
What is your Money Back Guarantee?
You are entitled to a 100% refund on all monthly payments if you do not see any improvement within 6 consecutive months (180 days) from the time that you retain our services and:
- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
- You have had no new collections or missed payments during the time frame of assistance.
- You maintained MyScoreIQ credit monitoring service during the time frame we assisted you.
- You agree & have sent updated reports/responses from the three credit bureaus, creditors, and collection agencies to us within 5 days of receipt. You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received.
We do not guarantee any negatives items that has already been worked on prior to enrolling with us.
-
What is your Money Back Guarantee?
You are entitled to a 100% refund on all monthly payments if you do not see any improvement within 6 consecutive months (180 days) from the time that you retain our services and:
- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
- You have had no new collections or missed payments during the time frame of assistance.
- You maintained one of our preferred credit monitoring service during the time frame we assisted you.
- You agree & have sent updated reports/responses from the three credit bureaus, creditors, and collection agencies to us within 5 days of receipt. You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received.
We do not guarantee any negatives items that has already been worked on prior to enrolling with us.
Darsheka “Coya” Stewart
Darsheka “Coya” Stewart is a Board-Certified Credit Consultant. She is the Founder and Owner of The Lavish Credit Lifestyle and has been fully devoted to the credit industry since 2018. Coya got into the credit business because of her own experience with her poor credit. She has helped many people understand credit and reach their goals whether personal or business. Her aim is to help as many people as possible especially single mothers, like herself, that want to live the lifestyle they desire.
Coya is also a Licensed Realtor® in Georgia and Tennessee. Her most important title, however, is a mother to two handsome and amazing boys Cayden & Aj.
Real Estate Solutions
Ready to fulfill your lifestyle desires by buying or selling your home?
We can assist you to get pre-approved and find a new home.
We also can assist with selling your property as well.
- Get pre-approved by one of our knowledgeable loan officers (we can assist)
- Schedule a Homebuying or Selling Consultation with one of our in-house Realtors
- Share your home wants and needs with us
- Our real estate team will review your needs and then come up with a custom plan to fulfill it
- We will help you get the best deal whether you want to buy, sell or refinance your home.
Affiliate Program
Ready to close more deals, but their poor credit will not allow you to be great? Well, we have the solution! Partner with us TODAY for free and start closing more deals.
Includes -
- 24/7 affiliate portal access to keep up with your client’s progress
- Be on our referral list for your services
- Receive Birthday and Anniversary Gifts
- Be a part of our annual affiliation appreciation celebration
Referral Program
Want to make some extra cash? Want to lower the cost of your credit restoration? Each time you refer someone you receive:
- $25 per lead that converts to a client
Get FREE Cheat Sheet
Sign up below to get your copy of a FREE Credit Repair Cheat Sheet designed to help you get a better understanding of the components of Credit Scores.