Our Mission
Honest, transparent credit repair that helps families take real control of their financial future.
5.0 from 23 Google reviews
Get your credit ready for the home, the car or the card you are applying for.
Daisy Luna goes through all three of your credit reports with you, disputes what is inaccurate or unverifiable, and keeps you updated until your file is ready for a lender.
All three credit reports reviewed with you
Your plan and your price before you pay
Updates in English or Spanish
Get Your Free Credit Plan
Free. No commitment. Takes 2 minutes.
Founder-led
Hablamos Español
No hidden fees
Latest verified result
+87 ptsin 3 months
Maria G. · 4 collections removed, auto approved
What clients say after working with Daisy.
These are Google reviews from Daisy's clients, shown the way they wrote them.
Individual outcomes vary based on report complexity, credit bureau response times, and client follow-through. All testimonials are from verified clients.
One client’s credit report, before and after.
Eight negative items were deleted and eleven positive tradelines added, for a 224-point Equifax jump in six months.
See all verified results
Daisy Luna founded Reliable Credit Solutions in 2020 and still leads every client's plan.
Since then she has worked with more than 1,000 clients across the country, from first-time home buyers to business owners who keep getting declined.
- Clients helped
- 1,000+
- Years experience
- 6+
I started this business after watching too many good people get trapped by vague promises and hidden fees. You deserve to know what you're paying for, who's handling your case, and what happens next. Every credit plan starts with your real report and ends with a path you can trust.
Founder-led from the first conversation
You talk to Daisy, not a sales rep. Your plan starts with your goal, your timeline and the questions you have been putting off.
Honest about pricing from day one
Your quote is based on your actual report, not a one-size-fits-all fee. You'll know what's included, what it costs, and why before you spend a dollar.
Built for real follow-through
Reminders and progress updates are part of the service. You should never have to chase your own credit repair company for answers.
What Reliable Credit Solutions stands for.
Our Vision
A world where financial freedom is within reach for everyone, built on trust, education, and lasting results.
How it works, from the first call to your application.
Three steps, and you see the price before any work starts.
1
Book Your Free Credit Plan Session
Choose a time and tell Daisy your goal, whether that is a home, a car or rebuilding your credit. She looks at your situation before the call.
2
Get Your Plan and Your Price
Daisy reviews your credit report, explains what is hurting your approvals and maps out the work. You see the price before you commit.
3
Follow Every Dispute Until You Apply
Reliable Credit Solutions handles the disputes, tracks each bureau's response and sends you updates. When your file is ready, you apply for the mortgage or car loan knowing what the lender will see.
Get Your Free Credit Plan
Free. You leave with a plan and a price.
Pick your goal and see how Daisy works on your credit for it.
Each goal needs the work done in a different order. These pages explain what Daisy reviews, what to have ready and what to ask.
Own a business and keep getting declined?
Lenders look at your personal credit before they look at your revenue. Find out what is blocking your approval and what it takes to fix it.
- Five quick questions, about a minute
- No credit check to submit
- A straight answer either way
How working with Daisy compares to a national credit repair company.
The difference is who handles your file, how the price is set and how often you hear back.
Daisy Luna
Reliable Credit Solutions
Who handles your case
Daisy handles your call, your report review and your updates, so you always know who is working on your credit.
How pricing is explained
Your quote is based on your actual credit report. You'll know what's included and what it costs before you commit a dollar.
Communication style
Scheduled reminders, clear next-step emails, Spanish-speaking support, and progress updates from day one.
How your plan is built
Your goal (home, auto, or rebuilding) shapes the entire strategy. Built around your timeline and the real items on your report.
Who's accountable to you
Daisy runs this business under her own name, and you can reach her directly.
Get Your Free Credit Plan
Talk to Daisy directly, not a call center.
Typical National Service
What most companies offer
Who handles your case
Whoever picks up. Rotating agents, offshore queues, and support staff who've never seen your report before.
How pricing is explained
A flat monthly retainer charged before anyone looks at your file. What you're actually paying for stays vague.
Communication style
An automated portal you have to log into. Slow email replies. 'Please hold' if you ever try to call.
How your plan is built
The same dispute letter template sent to everyone. No lender-goal alignment. No personalization past your name.
Who's accountable to you
A national brand with no single point of contact and founders you will never speak to, see, or hold responsible.
Questions people ask before they book.
Legality, pricing, timing and how you hear from us, answered before your call.
How does the first credit plan session work?
Your first conversation covers your goal, your current report, and the best next step. If more work makes sense, Daisy explains what's included, how long it takes, and what it costs before asking you to move forward.
How fast will I see my credit score improve?
Most clients see initial movement within 30-45 days after the first disputes are filed. Full cleanup timelines vary based on report complexity and bureau response times. Daisy gives you a realistic timeline during your free credit plan session so you know exactly what to expect.
How is pricing explained?
Pricing is based on what's actually on your report. Daisy reviews your credit first, then explains what's included, what's optional, and what it costs. No blanket quote forced onto every client. You'll know exactly what you're paying for before you commit.
What if I've been denied multiple times already?
Daisy finds what is blocking your approvals, works on the items that can be fixed first, and helps you time your next application so you don't waste another hard inquiry. A denial letter usually names the reasons, so bring it to your call.
Is credit repair legal?
Yes. Credit repair is legal when handled through truthful documentation, FCRA-compliant disputes, and realistic communication. No ethical company promises instant score jumps or guaranteed lender outcomes. We follow the law and set honest expectations.
How long does the process take?
Timelines vary by report complexity, lender goals, and bureau response times. Most clients see meaningful progress in 3-6 months. Daisy reviews your report, builds your plan, and keeps you updated at every step.
How is my information handled?
Your information is collected through bank-level 256-bit encrypted forms and used only for scheduling, communication, and your credit repair process. We never sell your data. Spanish-speaking support is available.
Do you offer payment plans or financing?
Yes. Daisy offers structured payment options explained after your report review. You'll know exactly what each payment covers before you agree to anything.
What makes Reliable Credit Solutions different from national companies?
You talk to Daisy, not a call center. She reviews your report, builds your plan and stays with your file the whole way. Your price comes from what is on your report, and the founder answers for the work by name.
Book your free credit plan call.
Get Your Free Credit Plan
Takes 2 minutes and costs nothing.