Read your credit report.Dispute what's wrong.Track every round.
LumaCredit AI turns your credit report into a clear plan: what to fix, what to dispute, and exactly what to mail. You do the work — we make it 10× faster.
Works with reports from
You can dispute inaccurate items yourself — for free, by law. The hard part is knowing what to challenge, how to phrase it, and when to escalate. We do that.
- Bureaus stall, "verify" without proof, or recycle the same response.
- Most services charge $50–150/mo and won't show you what they actually do.
- Sending the wrong letter at the wrong round burns your strongest legal leverage.
Everything you need, nothing you don't
Built for one person, one report, multi-round campaigns — not "we send 100 spray-letters."
Counselor-grade AI chat
Ask anything about your report. Answers cite the exact account, balance, and date — no hallucinations.
AI dispute letter drafts
Pick an account, pick a reason. We draft the FCRA Section 611 letter using your verified facts. You edit, sign, and mail.
Multi-round escalation engine
When a bureau "verifies," we suggest the next move: Method of Verification → Procedural → Section 609 Documentation.
30-day FCRA timer
Every mailed round has a tracked deadline. When it passes without response, you have stronger leverage — we tell you.
Browser-side mail packet
Enclosures, signature, cover sheet, bureau address — assembled in the browser. Your ID never touches our servers.
Score impact simulator
See what paying down a card, disputing an account, or opening new credit would do to your utilization and score band.
Four steps from "what now?" to "round 1 mailed"
- Step 1
Upload your report
PDF from SmartCredit, Identity IQ, or any of the big three. We parse it into structured accounts, scores, and inquiries.
- Step 2
Get your action plan
Bureau-by-bureau gauges, a ranked list of action items, and an AI counselor that knows every number on your report.
- Step 3
Draft + mail your letters
Pick accounts, pick reasons. We draft the letter, you add enclosures and a signature, download the PDF, mail certified.
- Step 4
Track + escalate
Mark mailed, watch the 30-day timer, log the bureau response. We suggest the next round automatically.
Simple pricing
Try it free. Upgrade when you mail your first dispute.
Free
$0
- One report
- AI counselor chat (5 turns/day)
- Read-only dispute tracking
Pro
$19/ month
- Unlimited reports
- Unlimited chat
- Dispute campaigns
- MOV / Section 609 / Procedural letters
- 30-day timers
Built for people who want to do it themselves
What a self-directed credit-repair workflow feels like with LumaCredit.
“I finally understood my report instead of paying someone $99/month to hide it from me. Drafted my first dispute the same night.”
“The 30-day timers are the whole game. When a bureau missed the deadline, the app told me exactly which letter to send next.”
“Two inaccurate accounts removed across two rounds. I signed and mailed everything myself — total control, no monthly trap.”
“The AI chat explained every line of my report in plain English. I stopped feeling intimidated and started taking action.”
“I tried a $129/mo service for a year with nothing to show. Two months here and I had removals I could actually verify.”
“Wish the mobile layout had a couple more shortcuts, but the dispute tracking alone is worth it. Knew exactly when to escalate.”
Illustrative examples of the LumaCredit workflow, not paid endorsements. Results vary — accurate information cannot be removed, and no outcome is guaranteed.
Common questions
Questions before you start?
Tell us what you're trying to fix. We usually reply within one business day.
We use your details only to reply. No credit-report data is needed here — keep that inside your secure account.
Your credit report deserves a strategy, not a guess
Free to start. No card. 90 seconds to your first action plan.