02 / Services
Credit Restoration
& Funding Services
We don't just repair credit we rebuild financial power. Our comprehensive credit restoration program is designed to remove negative items, clear back-office reporting errors, and position you for high-limit credit and major funding.
What We Remove
If It's Negative, We Target It
We do a full assessment of your credit profile and identify every item that is holding your score back. Then we go to work removing it. Here is everything we dispute, negotiate, and clear:
Don't see your item listed? We still handle it.
If it is on your credit report and it is hurting your score, we assess it, dispute it, and work to get it removed. Text us and we will tell you exactly what we can do for your specific situation.
Text Us 917-968-8930Real Client Results
2,000+ Lives Transformed
From bad credit to buying homes, funding businesses, financing vehicles, helping family members purchase homes, lowering insurance rates, refinancing debt, and building generational wealth these are real people whose lives changed because of Luxurious Lifestyle Always.
500+
Reviews
200+
Avg Score Jump
100+
Homes Purchased
200+
Businesses Funded
Showing 6 of 503 reviews
Tamika R.
Atlanta, GA
"Lauren took my credit from a 512 to a 748 in less than 90 days. I closed on my first home and cried at the table. This woman is a miracle worker."
Marcus T.
Dallas, TX
"I had medical debt, collections, and late payments dragging my score to 490. Lauren cleared everything and I closed on my first home at 720. THANK YOU LLA!"
Brianna K.
Miami, FL
"No gimmicks, no false promises just results. My score went from 534 to 712 and I got approved for a home loan right after. Life changing."
Keisha L.
Charlotte, NC
"Lauren walked me through every step. My score went up 200 points in 3 months. I qualified for a home loan I never thought I'd get."
Roderick H.
Columbus, OH
"Lauren removed 7 collections and a bankruptcy notation. I went from 480 to 710 and just financed my first home with no money down."
Destiny W.
Nashville, TN
"I never thought I'd own a home. Lauren got my score from 501 to 735 and I closed on a 3-bedroom in the suburbs. My kids have a yard now."
Compare Packages
Credit Repair Package Comparison
Not sure which program fits your situation? Use this chart to compare all four credit repair packages side by side.
| Program | Best For | Service Depth | Typical Focus | Est. Timeframe | |
|---|---|---|---|---|---|
Credit Restoration & Funding $2,750 | Full credit rebuilding + funding access | Comprehensive | Disputes, deletions, tradelines, funding prep | 45 days | View Package |
While You Wait Package $2,750 | Fast score on a CPN while credit repair is in progress | Comprehensive + Accelerated | Disputes, deletions, tradelines & funding prep | 45 days | View Package |
Full Credit Sweep $1,500 | Removing negatives collections, late pays, charge-offs | Targeted | Negative item removal & dispute resolution | 45 days | View Package |
Construction Loan Concierge $2,790 | Qualifying for construction or home loans | Specialized | Mortgage-ready credit profile preparation | 45–90 days | View Package |
Credit Restoration & Funding
$2,750
While You Wait Package
$2,750
Full Credit Sweep
$1,500
Construction Loan Concierge
$2,790
Your Journey Starts Here
What Happens After Enrollment
A lot of people want to know exactly what to expect after they sign up. Here is the full picture step by step.
Welcome Message & Document Request
As soon as you enroll, you will receive a message from our team letting you know exactly which documents we need to open your file. We keep this process simple and straightforward no guessing, no confusion.
Your File Opens Immediately
The moment we receive your documents, your credit repair process starts right then and there. There is no waiting period. We get to work on your file the same day your documents come in.
Credit Profile Review & Personal Strategy
We pull and review your full credit profile across all three bureaus. From there we build a personalized strategy specific to your situation identifying every negative item, error, and opportunity for improvement.
Dispute & Restoration Work
Our team begins the dispute and restoration process on your behalf. We handle everything bureau disputes, creditor negotiations, and any additional steps needed to clean and strengthen your profile.
Progress Communication & 24/7 Access
You have direct access to us around the clock. We keep you updated on your progress throughout the entire process so you always know where things stand. You are never left in the dark.
Reassessment & Next Step Guidance
Once your restoration work is complete, we reassess your profile and walk you through your next steps whether that is adding tradelines, applying for financing, or moving into a CPN package to take things further.
Signature Package
Credit Restoration & Funding Services
$2,750
One-Time Package No Monthly Fees
Our comprehensive credit restoration program is designed to remove negative items, clear back-office reporting errors, and position you for high-limit credit and major funding. This is not a generic template service every client receives a personalized strategy built around their specific credit profile and financial goals. One investment. Transformative results.
What's Included
- ✓Full Credit Restoration and Back-Office Cleanup
- ✓2 Authorized User Tradelines
- ✓2 High-Limit Credit Cards
- ✓Funding Access from $50,000 up to $1,000,000
- ✓Strategic Credit Positioning for Personal or Business Use
- ✓Bank Account Problem Resolution ChexSystems and Early Warning Services (EWS)
- ✓Back-Office Dispute Clearing SageStream, Innovis, and LexisNexis
What We Help Remove
Results Timeline
You will see full results as soon as 45 Days
Most clients begin seeing meaningful changes to their credit profile within 45 days of starting the program. Our target credit score is 750 and we work aggressively to get you there.
Bank Account Problems
We specialize in clearing banking barriers that prevent you from opening or maintaining accounts including ChexSystems and Early Warning Services (EWS).
Back-Office Disputes Cleared
We go beyond the credit bureaus to address hidden reporting agencies including SageStream, Innovis, and LexisNexis.
Funding Access
Once your credit is restored and positioned, we help you access funding from $50,000 up to $1,000,000 for personal or business use.
Take control of your credit. Unlock your financial future. Restore your credit. Unlock funding. Build your future.
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Credit Repair Package
The While You Wait Package
$2,750
One-Time Package | No Monthly Fees
A comprehensive, one-time solution designed to position you for approvals while your credit is being restored. You do not have to wait until your credit is fully repaired to start living the life you deserve. The While You Wait Package works on both fronts simultaneously restoring your credit profile and getting you approved for housing, vehicles, credit cards, and funding at the same time.
Results Timeline
You will see full results within 45 days on your credit report
CPN Portion
You will be approved for your next home within 24 hours to 15 days
Our target credit score is 750. While your credit is being restored, we position you for immediate approvals so you are never stuck waiting on the sidelines.
What's Included
- ✓Full Credit Restoration & Back-Office Cleanup
- ✓3 Authorized User Tradelines 2 for your SSN, 1 for your CPN
- ✓2 High-Limit Credit Cards
- ✓Funding Access from $50,000 up to $1,000,000
- ✓Strategic Credit Positioning for Personal or Business Use
- ✓Bank Account Problem Resolution ChexSystems and Early Warning Services (EWS)
- ✓Back-Office Dispute Clearing SageStream, Innovis, and LexisNexis
What We Help Remove
Bank Account Problems
We specialize in clearing bureau barriers that prevent you from opening or maintaining accounts including ChexSystems and Early Warning Services (EWS).
Back-Office Disputes Cleared
We go beyond the three credit bureaus to address hidden reporting agencies SageStream, Innovis, and LexisNexis.
Tap to text us directly
Credit Repair Package
Full Credit Sweep
$1,500
One-Time Package | No Monthly Fees
We don't just repair credit — we rebuild financial power.
Our comprehensive credit restoration program is designed to remove negative items, clear back-office reporting errors, and position you for high-limit credit and major funding. The Full Credit Sweep is a focused, one-time investment that targets a 750 credit score and delivers full results in as soon as 45 days with no monthly fees and no ongoing commitments.
What's Included
- ✓Full Credit Restoration & Back-Office Cleanup
- ✓Bank Account Problem Resolution ChexSystems and Early Warning Services (EWS)
- ✓Back-Office Dispute Clearing SageStream, Innovis, and LexisNexis
- ✓750 Credit Score Target
What We Help Remove
Results Timeline
You will see full results as soon as 45 Days
Our target credit score is 750. Most clients begin seeing meaningful changes to their credit profile within 45 days of starting the program.
Bank Account Problems
We specialize in clearing banking barriers that prevent you from opening or maintaining accounts including ChexSystems and Early Warning Services (EWS).
Back-Office Disputes Cleared
We go beyond the three credit bureaus to address hidden reporting agencies SageStream, Innovis, and LexisNexis.
Tap to text us directly
Important Please Read
This package is not a CPN package it uses your Social Security Number and is designed for clients who want to build a custom home under their SSN. It is listed here under Credit Repair so it is not confused with the separate Construction packages available under the CPN category.
SSN-Based Package Consultation Required
Construction Loan
Concierge Package
$2,790
Personalized guidance for clients building a custom home
Building a custom home is one of the most significant financial decisions you will ever make. The Construction Loan Concierge Package provides expert, personalized guidance every step of the way from securing financing to builder introductions, design studio planning, and realtor representation. We handle the complexity so you can focus on building the home you have always envisioned.
Requirements
- ✓Uses your SSN
- ✓720+ recommended credit score
- ✓Consultation required
Timeline
- ✓45+ days minimum
- ✓Timelines vary based on builder schedules, lender requirements, documentation, and project scope
Who This Is For
- ✓Clients building a custom home
- ✓New construction buyers
- ✓Clients seeking builder financing guidance
- ✓Individuals wanting end-to-end support
What's Included
- ✓Loan Guidance & Application Support
- ✓Builder Introductions
- ✓Realtor Representation
- ✓Design Studio Planning
- ✓Step-by-Step Project Guidance
- ✓Personalized Concierge Support throughout the entire process
Build Your Dream Home With Confidence
Expert guidance. Trusted connections. A seamless experience from start to finish.
"Your Fresh Start. Your Future. Your Freedom."
Let's build your future together.
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Package Breakdown
Everything That's Included
Full Credit Sweep
$1,500
A focused, one-time credit restoration investment targeting a 750 score. Full results in as soon as 45 days. No tradelines or funding pure restoration power.
- ✓750 credit score target
- ✓Full back-office cleanup
- ✓ChexSystems & EWS cleared
- ✓SageStream, Innovis, LexisNexis
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Full Credit Restoration & Back-Office Cleanup
Included
A comprehensive dispute and restoration process across all three credit bureaus plus back-office agencies like SageStream, Innovis, and LexisNexis that most services ignore.
- ✓All 3 bureaus disputed
- ✓SageStream, Innovis, LexisNexis
- ✓ChexSystems & EWS cleared
- ✓Personalized strategy
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The While You Wait Package
$2,750
A comprehensive, one-time solution designed to position you for approvals while your credit is being restored. Full results in as soon as 45 days. Home approval in 24 hours to 15 days.
- ✓750 credit score target
- ✓3 AU tradelines (2 SSN + 1 CPN)
- ✓2 high-limit credit cards
- ✓Funding $50K–$1,000,000
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Bank Account Resolution
Included
We specialize in clearing banking barriers that prevent you from opening or maintaining accounts including ChexSystems and Early Warning Services (EWS).
- ✓ChexSystems cleared
- ✓EWS cleared
- ✓Account access restored
- ✓Banking barriers removed
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Funding & Lifestyle Package
$2,750
Once your credit is restored and positioned, we help you access the funding you need rental homes, vehicles up to $250K, credit cards, and cash loans.
- ✓Rental approval
- ✓Vehicle up to $250K
- ✓Credit card approval
- ✓Cash loan access
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VIP Access
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