We propose a universal approach to model intervalence charge transfer (IVCT) and metal-to-metal charge transfer (MMCT) transitions between ions in solids. The approach relies on already well-known and reliable ab initio RASSCF/CASPT2/RASSI-SO calculations for a series of emission center coordination geometries (restricted active space self-consistent field, complete active space second-order perturbation theory, and restricted active space state interaction with spin-orbit coupling). Embedding with ab initio model potentials (AIMPs) is used to represent the crystal lattice. We propose a way to construct the geometries via interpolation of the coordinates obtained using solid-state density functional theory (DFT) calculations for the structures where the activator metal is at specific oxidation (charge) states of interest. The approach thus takes the best of two worlds: the precision of the embedded cluster calculations (including localized excited states) and the geometries from DFT, where the effects of ionic radii mismatch (and eventual nearby defects) can be modeled explicitly. The method is applied to the Pr activator and Ti, Zr, Hf codopants in cubic Lu2O3, in which the said ions are used to obtain energy storage and thermoluminescence properties. Electron trap charging and discharging mechanisms (not involving a conduction band) are discussed in the context of the IVCT and MMCT role in them. Trap depths and trap quenching pathways are analyzed.