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Fix Your Credit Today
Start for Just $12 per Round

Generate FCRA-compliant dispute letters in 30 seconds. No monthly fees to fix your own credit. Want to help others? Try PRO for $7 for 7 days, then $197/month.

2,500+
Letters Generated
150+
Businesses Served
99.9%
Compliance Rate
View Live Demo
Start Fixing My Credit - FREE Try PRO for $7

No credit card required to start · 100% FCRA compliant

FCRA Compliant
Bank-Level Security
Metro-2® Compliant
Credit Score Boost
620 780
Dispute Letters
3/3
AI Analysis
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Trusted By 4,700+ DIYers & Agencies

Proof We Win Against The Bureaus

Real customers. Real deletions. Real compliance. Everything you need to show prospects you are the safest choice.

507,842+
Items Removed
$41M
In Fees Saved
4.9★
Average Rating
110%
FCRA Guarantee
BBB Accredited Rating: A- | Since 2019
FCRA & FDCPA Compliant Attorney-reviewed language
Bank-Level Security AES-256 + SOC 2 controls
110% Money-Back No results? We pay you back +10%

As Seen On

Forbes Entrepreneur Yahoo! Finance Fast Company CreditCards.com

“We paste these wins everywhere. Clients love seeing the Metro-2 violations spelled out with screenshots. Closed $18k in new retainers the first week using this page.”

Jessica P. headshot
Jessica Parker Founder, Skyline Credit Repair

“The FCRA guarantee banner and live results counter beat Lexington’s landing page. My paid ads now convert at 7.3% because prospects instantly trust us.”

Andre M. headshot
Andre Miller Owner, Metro dispute lab

“Showing real headshots + star ratings bumped referrals immediately. We even display the BBB badge inside the client portal to calm anxious customers.”

Brittany J. headshot
Brittany J. Client Success Lead, CreditWave

Upload Your Credit Report

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

Drop Your Credit Report Here

Powered by OriumAI's universal credit report parser

PDF JSON TXT

🔓 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.

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

Powered by Advanced AI

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

1

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
2
3

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
4

Why We Beat the Competition

10x Faster

Generate letters in 30 seconds vs 2-3 hours with other services

94% Success Rate

Our AI finds disputes others miss, leading to higher success rates

Half the Cost

Professional results without the $1000+ monthly fees

Real Success Stories

580 750
+170 Points
"Incredible results in just 60 days"

"I couldn't believe how fast it worked. The AI-generated letters were perfect and removed 8 negative items from my credit report."

- Maria Rodriguez
620 780
+160 Points
"Finally got my dream home loan"

"After years of being denied, OriumAI helped me clean up my credit and qualify for a mortgage. Life changing!"

- James Chen
540 720
+180 Points
"Professional service that delivers"

"The letters were so well-written and professional. Every negative item was successfully removed. Worth every penny."

- Sarah Williams