Cottle Luxury Credit

08/28/2026

A lot of people think they have bad credit when really they have a bad credit report. You could have accounts reporting that aren’t yours, balances that are wrong, old information, or payments being reported incorrectly and just assume you gotta live with it. You don’t. If you haven’t had somebody actually go through your report with you, DM me “REPORT”. Let’s see what’s really going on. 💕

08/27/2026

Your credit score ain’t the only thing keeping you from getting approved.

👀

You can have a 680+ and STILL get denied.

Why?

Because lenders look at more than that number.

They look at:
• payment history
• utilization
• collections
• recent inquiries
• account age
• derogatory information
• your overall credit profile

That’s why I don’t believe in just chasing a credit score.

I look at the WHOLE PROFILE.

If you want me to tell you what could be holding your credit profile back, comment PROFILE.

— Cottle Luxury Credit

08/24/2026

08/18/2026

Collection Account deleted from Experian.🎉🎊

08/17/2026

08/17/2026

Credit Reputation

08/16/2026

We have a “CREDIT WIN” for one of our clients.🎊🎉🙌🏾💪🏾

08/11/2026

48 points increase for one of mycredit client that I been helping since April. 15 more points and we’ve reached her credit goal! She has the knowledge now from our company to maintain her good score even after the repairing is done. Way to go💪🏾🎊🎉

08/11/2026

Let’s be honest…

Having bad credit can make you feel like you’re being punished every time you try to do something financially.

Need a car?

Higher interest rate.

Want an apartment?

Credit check.

Trying to get a credit card?

Denied.

Trying to buy a house?

Your credit suddenly becomes everybody’s business.

And the worst part?

A lot of people don’t even know WHAT is actually hurting their credit.

That’s where you need to start.

Not with random credit hacks.

Not with applying for 10 credit cards.

Not with paying somebody to “delete everything.”

Start by understanding what’s actually on your credit reports.

If you need help figuring out where to start, DM me CREDIT.

08/11/2026

Hey, I’m Lutonya, owner of Cottle Luxury Credit.

We help people understand what’s actually hurting their credit, identify inaccurate or questionable information that may be affecting their reports, and create a step-by-step plan to improve their overall credit profile.

If you’re tired of checking your credit and having no idea what to fix first, send me CREDIT and I’ll show you how to get started.