LumaCredit

What is LumaCredit?

Credit repair usually costs $50–150/mo and hides what it does. LumaCredit is different: an AI counselor reads your 3-bureau report and explains it in plain English — grounded in your own data with citations, not generic tips. It drafts FCRA-cited dispute letters in seconds, tracks every 30-day round (Standard → MOV → Procedural → 609), and simulates score impact before you act. CROA-compliant, self-service, no upfront fees — you stay in control. Free to start.