The VIP Package
ULTIMATE CREDIT MASTERY & FUNDING MAXIMIZATION
The VIP Package is the definitive solution for rapid score optimization, high-tier funding eligibility, and complete financial confidence. We provide unparalleled action and exclusive access to tools designed to qualify you for up to \$100,000 in financing and premium credit lines.
$249 One-Time Setup
Then $199/Month Subscription
Your financial freedom starts with VIP mastery. Secure your enrollment today.
Enroll in VIP Now & Maximize Your CreditYour Ultimate Action Plan: What You Get
Unlimited & Aggressive Dispute Rounds
We work your file continuously with **no caps on disputes**, ensuring every challengeable item is relentlessly pursued every month.
2 Premium Credit Builder Tradelines
Includes guidance and access to **two powerful tradelines** to create an immediate, diversified credit mix and accelerate score growth.
House, Auto, & Loan Approval Prep
Comprehensive file optimization and coaching to secure pre-approvals for **mortgages, high-value auto loans, and rental applications.**
Exclusive Funding Coaching
Dedicated coaching focused on reaching credit thresholds for **\$100,000+ in business and personal financing** and loan rate negotiation.
Lifetime Education Vault Access
Gain **lifetime access** to the complete credit education vault, ensuring you maintain your perfect score long after our service ends.
Forensic-Level Credit Audit
A deep, itemized analysis of your reports provides the foundation for your personalized recovery plan.
Data Synchronization
Full verification and synchronization of your personal data (names, addresses) to eliminate reporting inconsistencies that harm scores.
Hard Inquiry Removal
Targeted action to challenge and remove score-dragging hard inquiries from your file.
Priority Monthly Strategy Calls
Get priority access to monthly strategy sessions with your specialist for quicker strategy adjustments and deeper coaching.
Full Credit Mix Curation
Active guidance on acquiring and managing the ideal mix of revolving debt, installment loans, and primary tradelines.
The Luminous Gala Advantage: Why Partner With Us?
Expert-Led Process
Your file is managed by a dedicated, certified specialist who oversees every dispute and guides your personalized recovery plan.
Future-Proof Strategy
We target credit issues with an eye on your financial future: positioning you for approvals (auto, home, or credit cards).
Real-Time Visibility
Gain 24/7 access to your secure client portal to monitor every status change, score update, and removed item instantly.
Predictable Investment
We use a clear, two-part structure (One-Time Setup + Monthly Subscription) ensuring you always know your investment upfront. No hidden charges.
Complete Your Enrollment Now
You are one step away from launching your credit recovery. Secure your VIP Enrollment below.