Transform Your Credit, Transform Your Life
We help you dispute inaccuracies, rebuild your credit profile, and regain financial control with expert care and proven strategies.
Book Your ConsultationYour Path to Financial Freedom
Deep Credit Audit
We perform a meticulous line-by-line analysis of your reports to find every inaccuracy and error that is holding you back.
Aggressive Disputes
Leveraging consumer protection laws to challenge questionable items with all three major credit bureaus (Equifax, Experian, TransUnion).
Credit Rebuilding
Personalized coaching on credit utilization, debt-to-income ratios, and securing positive lines of credit to boost your score quickly.
Strategic Credit Restoration Investment
NOTE: Credit Monitoring must be maintained throughout the process. Enrollment fee covers the initial audit and full setup.
Premier Package
ESSENTIAL FILE OPTIMIZATION
$149 Enrollment
Then $99/Month Subscription
Perfect for simple credit profiles and laying a strong credit foundation.
- Up to 4 Strategic Negative Account Disputes
- Full Credit Report Audit & Strategy Session
- Personal Data (Name/Address) Cleanup
- Initial Hard Inquiry Disputes
- Foundational Credit Education
- Premium Credit Monitoring Required
Executive Package
ADVANCED CREDIT RESTORATION
$199 Enrollment
Then $149/Month Subscription
The most popular choice for substantial score improvement and fast funding readiness.
- Includes ALL Premier Package Benefits
- Up to 8 Strategic Negative Account Disputes
- 1 Premium Credit Builder Tradeline
- Approval Prep for Auto & Credit Cards
- Funding Readiness Support
- Priority Dispute Handling & Monthly Strategy Calls
VIP Package
ULTIMATE CREDIT MASTERY
$249 Enrollment
Then $199/Month Subscription
The ultimate, comprehensive solution for rapid financial qualification and wealth building.
- Includes ALL Executive Package Benefits PLUS:
- Unlimited & Aggressive Dispute Rounds
- 2 Premium Tradelines & Credit Mix Curation
- Approval Prep for Loans, Cards, House/Apartment
- Exclusive Funding Prep Coaching & Loan Rate Negotiation
- Lifetime Access to Credit Education Vault
Ready to Transform Your Score?
Schedule your dedicated consultation call now to confirm your package, goals, and begin the restoration process immediately.
Book Your Consultation NowOur Core Mission & Guiding Goals
The Luminous Mission
To empower every client to achieve financial sovereignty by providing transparent, aggressive, and expert-driven credit restoration and financial education services.
Our Key Goal: Client Approval
Our primary objective is to elevate your financial profile so you can secure financing for major life events—whether it's a new home, a car loan, or high-limit credit lines.
Client Results & Testimonials
"Quick results and great communication. My score went up 82 points in 3 months!"
Goal: Auto Eligibility
"I was nervous about trying credit repair, but I’m glad I did. They removed two old collections, helped me understand how to keep my utilization low, and even sent me tips for rebuilding. I’m now in the 600s for the first time in years!"
Score: 560 → 650 | Time: 4 Months
"Fast results and very professional service."
Service: Premier Package
Frequently Asked Questions
How long does credit repair take?
Credit repair isn’t instant. Some clients see changes in as little as 30 days, while others may need several months depending on the number and type of negative accounts. We promise consistent, strategic action from day one.
What is the purpose of the Enrollment Fee?
The Enrollment Fee is a one-time investment that covers the labor-intensive initial steps: the **comprehensive credit report audit**, the creation of your personalized **restoration strategy**, and the preparation and mailing of the **first round of professional disputes** to all three credit bureaus.
Do I need to sign up for credit monitoring?
Yes. Credit monitoring is required so we can track your disputes in real time and keep you updated on progress across all three bureaus. This ensures our strategy is always accurate.
What makes LuminousGala Solutions different from others?
We do more than dispute. We position you for approvals — from high-limit credit cards to funding, auto loans, and better rates. Our process includes education, strategy, and a plan to maintain results long-term.