Our Strategic Credit Restoration Packages
Choose the level of service that aligns with your financial goals—from foundational cleanup to ultimate credit mastery.
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 One-Time Setup
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 One-Time Setup
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 One-Time Setup
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
The Luminous Gala Difference: Why Partner With Us?
Dedicated Credit Specialist
You work directly with a certified expert who knows your file and your goals, ensuring personalized, strategic action every month.
Goal-First Strategy
We don't just dispute; we position you for key approvals (home, auto, financing) from day one, focusing on long-term wealth.
100% Transparency
Track every dispute, every status change, and every score improvement in your secure client portal 24/7. No guesswork.
Zero Surprise Fees
Our clear Enrollment Fee + Monthly Subscription structure means you always know your investment upfront. No hidden costs or charges.