OriumAI - AI-Powered Credit Repair Software

TRUSTED BY PROFESSIONALS

Built for credit repair success

30s

LETTER GENERATION

$12

PER ATTACK

BUREAUS COVERED

97+

METRO-2 VIOLATIONS

FCRA Compliant Attorney-reviewed

Bank-Level Security 256-bit encryption

BBB Accredited A- rated since 2019

Money-Back Guarantee 110% if no results

★★★★★

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

Jessica P. Credit Repair Agency Owner

★★★★★

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

Andre M. Dispute Specialist

★★★★★

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

Brittany J. Client Success Lead

AI-Powered Platform

See your credit score potential in real-time

Upload your credit report and instantly see which negative items are hurting your score most. Our AI prioritizes disputes for maximum impact.

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

Upload Your Credit Report

Our advanced AI will analyze your report and identify all disputable items in seconds

🔓 Unlock Credit Report Analysis

Upload your credit report and let our AI identify all disputable items in seconds.
Start your free trial to access all features.

Start Free Trial Login

Analyzing Your Credit Report

Our AI is identifying disputable items...

Your Journey to Better Credit

How OriumAI Works

From upload to results in 4 simple steps. Our AI does the heavy lifting so you don't have to.

Step 1

Upload Your SmartCredit Report

Simply drag and drop your 3-bureau credit report from SmartCredit. Our universal parser works with PDF, JSON, or TXT formats. Takes less than 10 seconds.

Supports all 3 bureaus (Equifax, Experian, TransUnion)

Bank-level encryption for your data security

No manual data entry required

Step 2

AI Analyzes & Finds Violations

Our advanced AI engine scans your report in under 30 seconds, identifying every disputable item and Metro-2 compliance violation. This is where the magic happens—we find issues other platforms miss.

20+ Metro-2 violation types detected automatically

Identifies late payments, collections, charge-offs, inquiries

Calculates exact point impact for each negative item

Prioritizes items with highest score boost potential

Step 3

Generate FCRA-Compliant Letters

One click generates professional, legally-sound dispute letters for all 3 bureaus. Each letter is customized with: specific violations, legal citations, and your personal information.

100% FCRA Section 609 & 611 compliant

Attorney-reviewed legal language

Formatted for certified mail or PostGrid auto-sending

Download PDF instantly or mail directly from platform

Step 4

See Results in 30-45 Days

Bureaus have 30 days to respond. Track progress in real-time, upload new reports, and repeat the process until your score is where you want it. Most users see 50-150 point increases after 2-3 rounds.

Real-time tracking with USPS certified mail receipts

Automated round management for follow-up disputes

Credit score forecast showing projected improvements

110% money-back guarantee if no improvement

Ready to Start Your Journey?

Join 12,500+ users who've improved their credit with OriumAI

Start Fixing My Credit - FREE

No credit card required · 100% FCRA compliant

Why OriumAI Is 10x Better

We're not just another credit repair tool. Our AI-powered platform leverages cutting-edge technology to find violations others miss and generate letters that actually work.

Metro-2® Compliance Auditing

OriumAI is the only platform that automatically scans for 20+ Metro-2 violation types. Metro-2 is the technical standard creditors must follow when reporting to bureaus—violations are your strongest dispute ammunition.

20+ violation types detected

Realistic Point Impact Prediction

Know exactly how many points each dispute could recover. Our AI uses industry-standard scoring models to calculate the true impact of removing negative items based on your current score, account age, and balance.

Precision scoring algorithm

Advanced AI Letter Generation

Our AI doesn't use templates—it crafts unique, personalized letters for each dispute based on your specific situation, violations found, and legal precedent. Every letter reads like it was written by a credit repair attorney.

Enterprise-grade AI integration

Attorney-Reviewed Legal Language

Every letter includes FCRA Section 609 & 611 citations, proper legal verbiage, and deterministic compliance checks. We guarantee 100% compliance—if a letter isn't legally sound, we'll refund you immediately.

100% FCRA compliant guarantee

Automated Certified Mail

Skip the post office. Our PostGrid integration automatically prints, mails, and tracks your letters via USPS certified mail. You get proof of delivery and can track every letter in real-time from your dashboard.

USPS certified mail tracking

Credit Score Forecasting

See your future score before you dispute. Our forecasting engine shows you exactly where your score could be in 30, 60, and 90 days if you follow our recommended dispute strategy.

AI-powered forecasting

OriumAI vs. The Competition

Feature	OriumAI	Competitor A	Competitor B	Competitor C
Metro-2 Violation Detection	20+ types
AI-Powered Letter Generation	Advanced AI	Templates	Templates	Templates
Point Impact Calculator	Realistic		Basic
Automated Certified Mail	PostGrid	Sprint Mail
110% Money-Back Guarantee
DIY Pricing (No Monthly Fee)	FREE + $12/round	$39/mo	$99/mo	$49/mo
Processing Speed	<30 seconds	2-3 mins	Manual	1-2 mins

Why Choose OriumAI?

Advanced features that set us apart from the competition

Advanced AI Engine

Our proprietary AI analyzes thousands of successful disputes to craft the most effective letters for your specific situation.

Enterprise-Grade

Lightning Fast Processing

Generate professional dispute letters for all 3 bureaus in under 30 seconds. No more waiting or manual writing.

10x Faster

Legal Protection

Every letter is crafted to be 100% FCRA compliant with legal backing. We guarantee compliance or your money back.

Audit Trail

Choose Your Path to Better Credit

Whether you're rebuilding your own credit or helping clients fix theirs, OriumAI has you covered

Fix Your Own Credit

Take control of your financial future

DIY Credit Repair Made Easy

Upload your report, get AI-powered dispute letters in 30 seconds

Save Thousands on Repair Services

Why pay $1000+/month when you can do it yourself for a fraction?

See Results in 30-45 Days

Remove negative items and boost your score faster than ever

100% Legal & FCRA Compliant

Every letter backed by federal law with our compliance guarantee

FREE

$12 per round · All 3 bureaus

Start Fixing My Credit Today

No monthly fee · Pay only when you generate letters

FOR SIDE BUSINESS

Help Friends & Family

Fix yours + help up to 3 clients

Everything in FREE Plan

All DIY features plus client management capabilities

Unlimited Dispute Letters

Generate letters for yourself and up to 3 clients

Client Portal & Profiles

Dedicated dashboard for each client with progress tracking

Priority Support

Fast-track email support and onboarding assistance

$47 /month

Cancel anytime · Perfect for family & friends

Unlock PRO for $47/mo

Ideal for helping a few clients get started

FOR AGENCIES

Help Others Fix Theirs

Scale your credit repair business

Manage Unlimited Clients

Handle 100s of clients with our multi-tenant dashboard

White-Label Experience

Client portal branded with your business - no OriumAI branding

Bulk Operations & Automation

Generate letters for 50+ clients simultaneously, automated workflows

Client Communication Hub

Built-in messaging, document sharing, and progress tracking

$7 for 7 days

Then $197/month · Cancel anytime

Try SCALE for $7 Today

7-day trial · Start scaling your business immediately

How It Works

Our revolutionary 4-step process gets results in 30 days or less - faster than any competitor

Smart Upload & AI Analysis

Upload your credit report in seconds. Our advanced AI instantly identifies ALL disputable items - not just the obvious ones like our competitors miss.

Finds 3x more errors than manual review

Personalized Attack Strategy

Our AI creates a custom dispute strategy based on 50,000+ successful cases. Each letter is tailored to your specific situation - no generic templates.

94% success rate vs 60% industry average

Professional Letters Generated

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

100% FCRA compliant with legal guarantee

Mail & Track Results

Download, print, and mail your letters using your return address. Track progress in your dashboard and repeat monthly until your credit is perfect.

Most users see results in 30-45 days

30 sec

Average letter generation time

78%

Items successfully removed

$12

Per dispute round, no monthly fees

Real Results

Stories from customers who used OriumAI

Marcus T.

Houston, TX

512 698

"Had 3 medical bills that weren't mine. Got 4 items removed in the first round. Took about 6 weeks but went from getting denied to buying my truck."

Brittany M.

Atlanta, GA

589 721

"Single mom with a repo and unknown collection. Both got removed after 8 weeks. Finally got approved for an apartment in a better school district."

James W.

Dallas, TX

571 689

"Closed on my first house. Had 3 collections and 2 charge-offs, got 4 deleted. Mortgage lender said I saved $180/month from the better rate."

Fix Your Credit.
Start for $12.

Built for credit repair success

See your credit score potential in real-time

Generate professional letters in seconds