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AI-Powered Credit Repair Platform

Fix Your Credit.
Start for $12.

Professional dispute letters in 30 seconds. No monthly fees. Pay only when you're ready to mail.

Start Free Trial
FCRA Compliant
Bank-Level Security
30-Second Letters
OriumAI
JA
Johnny Appleseed
Pro Member
750
Good
TU738
EX755
EQ741
Score Trend +89
12
Removed
3
Rounds
5
Alerts
Home
Score
Letters
Profile
Overview Disputes Reports
198
Active Clients
78%
Success Rate
$4.2k
Revenue (MTD)
Score Progress +122 pts
JanMarMayJulSep
ClientScoreStatus
MMaria S.712 Active
JJames R.680 Round 2
TTanya K.645 New
AI-Powered
30sec
Letter Generation
$12
Per Attack Round
97+
Metro-2 Violations
3
Bureaus Covered
ATTACKS ALL 3 BUREAUS
TransUnion · Equifax · Experian

FCRA Compliant

Every letter is attorney-reviewed and legally compliant. No templates — real dispute strategies.

LEGAL

Bank-Level Security

256-bit encryption. Your data is safer here than at most banks.

BBB Accredited

A- rated since 2019. Real business, real results.

110% Money-Back Guarantee

If we don't get results, you get more than your money back. That's how confident we are.

GUARANTEE
SUCCESS STORIES

Real Results From Real Users

"

Clients love seeing the Metro-2 violations spelled out with screenshots. Closed $18k in new retainers the first week.

Jessica P.
Jessica P. Credit Repair Agency Owner
5.0
"

The AI analysis saves me hours per client. My conversion rate jumped to 7.3% because prospects instantly trust the data.

Andre M.
Andre M. Dispute Specialist
5.0
"

Real headshots and star ratings bumped referrals immediately. The BBB badge in the client portal calms anxious customers.

Brittany J.
Brittany J. Client Success Lead
5.0

Works with

TransUnion · Equifax · Experian Stripe USPS Certified

How can we help you?

Do you have bad credit?

Learn how to fix your credit yourself with Orium AI tools. Upload your report and get dispute letters in 30 seconds.

Start fixing my credit

Want to start a credit repair business?

Get the AI software and tools to launch your credit repair business fast. White-label everything under your brand.

Launch my business

Already running a credit repair business?

Level up with AI automation, client management, Stripe billing, and certified mail. Scale without the overhead.

Scale my business

Car dealer or mortgage broker?

Repair your customers' credit so they qualify for financing. Get alerts when they reach 680+ and close more deals.

Explore dealer program
Trusted by thousands of clients nationwide
0
Users Helped
23% this month
0
Items Removed
Verified results
0
Million in Debt Removed
Client savings
0
Success Rate
Industry leading
256-bit SSL Encrypted
FCRA Compliant
30 Seconds Letter Generation
Only $12 Per Round
24/7 Support Always here
Step 1: Import Your Report

Import credit data and identify errors instantly

Connect your credit monitoring or upload a PDF. Our AI scans every account across all 3 bureaus and finds the errors, violations, and inaccuracies most people miss.

  • Instant point impact predictions for each item
  • Metro-2 violation detection most tools miss
  • Track your progress with visual analytics
Try it free
oriumai.com/dashboard
Letter generated successfully!
Credit Analysis New Round
Current Score
634
+12 this month
Potential Gain
+147
Points possible
Account
Impact
Action
Capital One
-45 pts
Dispute
Midland Credit
-38 pts
Dispute
Live demo

Trusted by 2,500+ Americans Rebuilding Their Credit

256-bit SSL Encrypted
Bank-Level Security
FCRA Compliant
4.9/5 Rating

AS FEATURED IN

Forbes Business Insider The Wall Street Journal TechCrunch
THE HIDDEN COST

Bad Credit Is Costing You $289/Month

The average American with a 580 credit score pays $289 more per month in interest compared to someone with a 720+ score. That's $3,468 per year going straight to banks.

Auto Loans

+$127/mo

Bad credit adds $7,620 over a 5-year car loan at 18% vs 6% APR

Mortgages

+$312/mo

A 100-point difference can cost $112,320 over a 30-year mortgage

Credit Cards

29.9% APR

vs 15% for good credit. Carrying $5K balance costs $750 more/year

Stop Overpaying Today

Start fixing your credit for just $12. No monthly fees.

Offer ends in: 23:59:59
2,847 people signed up this month
30-Day Money-Back Guarantee
Step 2: Generate Dispute Letters

Create unique dispute letters using AI

No templates. Our AI writes personalized dispute arguments with FCRA legal citations, Metro-2 violations, and specific account details. Every letter is unique.

  • Unique content for each bureau and account
  • FCRA, FDCPA, and state law citations
  • Download PDF or send via certified mail
See all features
oriumai.com/letters
Dashboard
Disputes
Letters
Progress
Generated Letters
Bureau
Accounts
Status
Experian
4 items
Ready
Equifax
3 items
Ready
TransUnion
5 items
Ready
Download All Send Mail

Free Credit Report Analysis

See what's hurting your score before you sign up

1

Upload Your Credit Report

Drop your PDF from any bureau - we support all major formats

2

See What's Negative

Our AI instantly identifies collections, late payments, and errors

3

Get Your Dispute Plan

Sign up to generate professional dispute letters and track results

Collection Account - $2,847
Disputable
Late Payment - Capital One
Disputable
Hard Inquiry - Unknown
Disputable

Sign up to see all negative items and generate dispute letters

Analyze My Credit Report Free

Already have an account? Log in

Bank-Level Encryption
Your Data Stays Private
No Credit Card Required
What We Remove

Delete the Items Destroying Your Credit

Our AI finds and disputes the negative items keeping you from approval. Here's what we target:

Collections

Medical bills, credit cards, utility debts sold to third-party collectors that tank your score by 50-100 points.

78% removal rate

Charge-Offs

Accounts written off as losses. These stay for 7 years and signal high risk to lenders.

71% removal rate

Late Payments

30, 60, 90+ day late marks. Even one late payment can drop your score by 100 points.

65% removal rate

Hard Inquiries

Unauthorized credit checks from car dealers, apartment applications, or identity theft.

82% removal rate

Judgments & Liens

Court judgments and tax liens that make you almost impossible to approve for anything.

54% removal rate

Repossessions

Vehicle repos that make auto financing nearly impossible. Remove to qualify again.

61% removal rate

What Happens After?

Once we remove these negative items, doors that were closed suddenly open. Our users report life-changing approvals:

  • Mortgage pre-approval after years of denials
  • Auto loans at 4% instead of 18% APR
  • Credit cards with $10K+ limits
  • Apartment approvals without cosigners
  • Business funding and SBA loans

First-Time Home Buyers

Average 127 point increase unlocks FHA/conventional loans

Better Auto Rates

Save $4,200+ over loan term with improved credit tier

Premium Credit Cards

Access rewards, cashback, and 0% APR offers

Start Your Journey

We're here for you every step of the way

From report import to results tracking, OriumAI automates the hard parts so you can focus on results.

1
TU
EQ
EX

Connect Credit

Link Orium360 in seconds. We pull all 3 bureaus instantly.

10 second setup
2
742 Good
+87
AI

AI Analysis

Our AI finds every error and Metro-2 violation others miss.

97 violation types
3
FCRA

Generate Letters

Get FCRA-compliant dispute letters customized for each bureau.

30 sec generation
4
Bureau
Delivered

Mail & Track

Send certified mail with USPS tracking and watch items disappear.

78% success rate

Bank-Level Security

256-bit encryption protects all your data

FCRA Compliant

Letters written by credit law experts

Orium AI

Advanced algorithms find hidden errors

OriumAI
Your Credit Score
742
+87 pts
Collection Removed Done
Late Payment Pending
Hard Inquiry Done
Item Removed!
AI Analyzing
3 Letters Sent

No Monthly Fees

Only $12 per round, cancel anytime

USPS Tracking

Real-time certified mail updates

Auto Updates

Credit score refreshes automatically

256-bit Encryption
2,500+ Happy Users
4.9 Star Rating
78% Success Rate

Automate the entire process

Import credit report data, identify errors instantly, create unique dispute letters, and mail with one click.

OriumAI
Connect Orium360
Instant 3-bureau credit data
Connect Now
  • All 3 bureaus included
  • No manual data entry
  • Bank-level encryption
256-bit Encrypted
Step 1

Connect Your Credit Report

Link your Orium360 account in under 10 seconds. Our system instantly pulls your complete 3-bureau credit data - no manual entry required.

Instant Import Bank Security Auto-Refresh
AI Analysis
0
Current Score
Potential: +147 pts 12 Items Found
Capital One -45 pts
Midland Credit -38 pts
Portfolio Rcvry -32 pts
AI Analyzing...
Step 2

AI Finds Every Error

Our advanced AI scans your report in under 30 seconds, identifying every disputable item and Metro-2 violation that other platforms miss.

97 Violation Types Point Impact Priority Ranking
Letters
EXP
Experian Letter
Generated
EFX
Equifax Letter
Generated
TU
TransUnion Letter
Generated
3 Letters Ready!
Step 3

Professional Letters Generated

Get 3 bureau-specific dispute letters in under 30 seconds. Each letter uses advanced legal citations and proven FCRA strategies.

FCRA Compliant Unique Content Instant Download
Tracking
Certified Mail Status
Experian Delivered
Equifax In Transit
TransUnion In Transit
Live Tracking
Step 4

Mail & Track Results

Send via certified mail with real-time USPS tracking. Watch as items get removed from your report and your score climbs.

USPS Tracking Certified Mail Repeat Monthly
Platform Capabilities

Built for serious
credit repair

Enterprise-grade tools that credit attorneys and professionals trust

Metro-2 Compliance Auditing

The only platform that scans for 20+ Metro-2 violation types automatically. Metro-2 is the technical standard creditors must follow—violations are your strongest dispute leverage.

20+ Violation types detected
Account Status Mismatch
Balance After Charge-off
Invalid Date of First Delinquency
High Credit Exceeds Credit Limit

Point Impact Prediction

Know exactly how many points each dispute could recover based on your score and account details.

580 → 720
+140 pts potential

AI Letter Generation

Unique, personalized letters crafted by AI—reads like a credit repair attorney wrote it.

AI Writing

FCRA Legal Compliance

Section 609 & 611 citations with deterministic compliance checks. 100% legally sound.

§609 §611 FCRA

Automated Certified Mail

Skip the post office. We print, mail, and track via USPS certified mail automatically.

TU
EX
EQ
Tracking: 9400111899223847263518

Score Forecasting

See where your score could be in 30, 60, and 90 days with your dispute strategy.

Today 30d 60d 90d
See it in action

Watch how users fix their credit in minutes

See exactly how OriumAI analyzes your credit report, identifies violations, and generates legal dispute letters - all in under 60 seconds.

  • Connect your credit in 10 seconds
  • AI identifies every disputable item
  • Generate all 3 bureau letters instantly
  • Track results in real-time
Get Started
OriumAI Platform Demo Click play to watch
2:34
2,500+ have watched
Real Results

Trusted by 2,500+ users

See what our customers say about their credit repair journey

Verified Jan 2026
"I removed 12 negative items in 45 days. My score went from 520 to 680. This platform is incredible."
M
Marcus J. Atlanta, GA
520 680
Dec 2025
"The AI found violations that two other companies missed. Got 4 collections removed in the first round."
S
Sarah R. Miami, FL
4 collections removed
Verified Jan 2026
"As a credit repair pro, this tool saves me hours. My clients love the transparency and results."
D
David W. Dallas, TX
Credit Pro
Nov 2025
"Finally got approved for a mortgage after using OriumAI. The Metro-2 violations were key."
L
Lisa T. Phoenix, AZ
Mortgage approved
Read more success stories
REAL TRANSFORMATIONS

Credit Score Journeys

Real results from real users. Every journey starts with a single dispute letter.

489
Before
+223 pts
712
After
MJ
Marcus J.
Atlanta, GA · 3 rounds

"12 negative items removed across all 3 bureaus. I went from denied for everything to approved for a car loan at 4.9% APR."

12 items removed 90 days
522
Before
+199 pts
721
After
TW
Tanya W.
Houston, TX · 2 rounds

"Had 3 medical collections and 2 charge-offs. OriumAI found Metro-2 violations on all of them. All 5 removed in 60 days."

5 items removed 60 days
580
Before
+162 pts
742
After
DR
Derek R.
Charlotte, NC · 4 rounds

"Repo and late payments were killing my score. The AI found FCRA violations I never would have caught. Now I'm shopping for a house."

8 items removed 120 days
See all success stories
Launch Your Agency

Build a Profitable
Credit Repair Empire

Everything you need to start and scale your credit repair business

01

Convert Leads Into Clients

Generate professional credit audits with one click. Impress prospects with Orium AI analysis that shows exactly what can be improved. Digital agreements make onboarding seamless.

Learn more
Client Audit
629TransUnion
685Equifax
698Experian
6 Negative Items Found
Lead Capture
My Credit Repair Business
Learn what's negatively affecting your credit score and how to fix it
02

Attract Unlimited Leads

White-label landing pages and embed widgets let you capture leads 24/7. Clients sign up through your branded portal—they see your business, not ours. Affiliate tracking included.

Learn more
03

Automate The Heavy Lifting

AI generates Metro-2 compliant dispute letters automatically. Stripe Connect handles payments. Import credit reports, track results, and manage unlimited clients from one dashboard.

Learn more
Agency Dashboard
47 Active Clients
$12,450 This Month
Client Billing
Training Portal
Credit Repair Mastery 12 modules, 8 hours of content
FCRA Fundamentals
Metro-2 Violations
Dispute Strategies
04

Scale Without Limits

Access exclusive training from industry experts. Learn the strategies that built 6-figure credit repair businesses. Team management, advanced analytics, and priority support included.

Learn more

Ready to Build Your Credit Repair Empire?

Join 150+ credit repair professionals growing their business with OriumAI

Become a Dealer
$197/month flat rate Unlimited clients White-label everything

Learn all about OriumAI to help you on your financial journey

Check Your Mail Status
Check
Mail
Status
MailTrack
Disputing

How to Check Your Certified Mail Order Status

Track your dispute letters from printing to delivery. Know exactly when bureaus receive your mail.

Read More
Attack Strategy Guide
Explanation
Attack
Strategy
and Letters
Disputing

A Detailed Explanation of OriumAI Credit Repair Attack Strategy and Letters

Master the art of strategic disputing with our comprehensive guide to removing negative items fast.

Read More
OriumAI FAQ
Getting Started

OriumAI FAQ: Everything You Need to Know to Get The Best Credit Repair Results

Jump into our ultimate FAQ and uncover all the secrets to mastering your credit repair game like a pro!

Read More
COMPARE OPTIONS

Why OriumAI Wins

See how we compare to expensive credit repair companies and doing it yourself.

OriumAI
$12
per round
Credit Repair Co.
$79-150
/month
DIY Disputes
Free
but time-consuming
Smart Analysis Engine
Metro-2 Violation Detection
Unique Legal Arguments
Letters in 30 Seconds 3-5 days Hours
No Monthly Fees
Annual Cost (avg 4 rounds) $48 $948-1,800 20+ hours
Start for $12 - No Subscription
Works on any device

Add OriumAI to Your
Home Screen

Get the full app experience without downloading anything. Add OriumAI to your home screen on iPhone or Android for instant access.

Real-time score change notifications
Track USPS certified mail delivery
Works offline with automatic sync

No app store needed. Works on Safari, Chrome, and all modern browsers.

OriumAI
742
Excellent
TU
738
EX
745
EQ
741
3 items removed today
Score updated!
Letter delivered

30-Day Money-Back Guarantee

Try OriumAI completely risk-free. If you're not satisfied with your dispute letters for any reason, contact us within 30 days for a full refund. No questions asked. We're confident Orium AI will help improve your credit, but if it doesn't meet your expectations, you pay nothing.

BANK-LEVEL PROTECTION

Enterprise-Grade Security
& Compliance

Your sensitive financial data is protected by the same certifications and encryption standards trusted by Fortune 500 banks.

256-bit SSL
AES Encryption
FCRA
Fully Compliant
SOC 2
Type II Ready
PCI DSS
Level 1 Certified
Metro-2
Format Certified

All payment processing handled securely by Stripe. Your financial data never touches our servers.

COMMON QUESTIONS

Frequently Asked Questions

Is credit repair legal?

Absolutely! The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. OriumAI helps you exercise this right efficiently and professionally.

How long does it take to see results?

Credit bureaus are legally required to respond within 30-45 days. Most of our users see their first deletions within 30-45 days of sending their first round of dispute letters. Complex cases may require multiple rounds.

Why is OriumAI only $12 when companies charge $100+/month?

Credit repair companies use generic template letters and manual processes that cost them time and money. Our AI generates superior, personalized letters instantly at a fraction of the cost. We pass those savings to you.

What if my disputes don't work?

Our AI adapts strategy based on bureau responses. If a dispute is rejected, we analyze why and generate new letters with different legal angles. Plus, our 30-day money-back guarantee protects your investment.

Do I need to know anything about credit repair?

Not at all! Simply upload your credit report, and our AI handles everything. We identify errors, explain what's hurting your score, and generate professional dispute letters. You just print, sign, and mail.

Ready to Fix Your Credit?

Join 2,500+ Americans who've improved their credit scores with OriumAI. Start for just $12 with our money-back guarantee.

Get Started for $12
No monthly fees 30-day guarantee Cancel anytime
Start Free Trial
Start for $12 Get Started