AI-POWERED CREDIT REPAIR
Dispute errors.
Rebuild your score.
Upload your credit report and our AI instantly finds every item you can dispute, then drafts letters that cite your FCRA rights — ready in minutes.
⚡
Analysis in under 30 seconds📋
Dispute letters citing federal law🔒
Your data is never stored or shared🎯
Works for all 3 major bureausAnalyze your credit report
Upload a PDF from any major bureau
📄
Drop your PDF here
or tap to browse
🔒Your report is processed privately and never stored
HOW IT WORKS
Start disputing in 3 steps
1
📤
Upload your report
Download from AnnualCreditReport.com and upload the PDF.
2
🤖
AI finds everything
Our AI identifies every disputable item with legal backing.
3
✉️
Mail your letters
Get dispute letters that cite your FCRA rights, ready to send by certified mail.
LETTER SENDING SERVICE
We mail your letters for you
No printing. No post office. We send certified mail directly to the bureaus on your behalf with tracking.
EXCLUSIVE FEATURE
Bureau pushed back?
We push harder.
Got a "verified" response that you know is wrong? Our Dispute Defender escalates your case through 4 rounds — Method of Verification, documenting FCRA violations, and filing a complaint with the CFPB.
Round 1
Initial Dispute
Round 2
MOV Request
Round 3
FCRA Violations
Round 4
CFPB Complaint
Included free — no subscription required
THE GUIDE
The tool is free. This is the playbook.
Use LuxCredAI free, for as long as you like. When you want the full game plan behind it, grab the guide.
