Hi, I’m Ori. I read your credit report for you.
Three-bureau monitoring, alerts when something changes, Ori explaining every line, dispute letters in 30 seconds, certified mail and tracking. Pay per round from $12, or go unlimited on Pro.
Hi, I’m Ori. I read your credit report for you.
Meet Ori
Ori reads your report, writes your letters, reads the bureau’s reply and keeps you on track. You stay in charge of every step.
All three bureaus, line by line. Ori flags what may be wrong and tells you why, in plain English.
Under the Fair Credit Reporting Act, each error marked with the section that covers it. You sign; it’s mailed certified.
Snap a photo of the bureau’s letter. Ori tells you what changed and drafts the next round.
A 30-second Daily Clear, and an alert the moment something on your report moves.
Results vary. Accurate, timely information can’t be removed. You can dispute with the credit bureaus yourself for free.
The platform
Most tools write a letter and stop. OriumAI watches your file, explains it, plans the next step, disputes what’s wrong, mails it, reads the reply and keeps you on it.
All three bureaus in one place: scores, every account, every change, refreshed on schedule.
How monitoring worksA new inquiry, a balance jump, a late mark. You hear about it the day it lands, in plain words.
What you get toldYour guide reads the report, answers questions about any line, and knows the law each letter rests on.
Meet OriA month-by-month plan toward the score you are aiming for, built from your own factors.
See the planLetters written for each account’s own defects under the FCRA and your state’s law, in rounds that escalate.
How letters are writtenPrinted, sent by USPS Certified Mail, tracked to the bureau’s door, with the 30-day clock running.
Mail and trackingPhotograph the bureau’s letter. Ori reads it, tells you what it means and drafts the next round.
What happens nextOffers matched to your file, a daily check-in, streaks and a weekly recap so the work gets finished.
Building credit
The same account on the website and in the app.
The films
Your report is written in code. Ori reads every line and tells you, in plain English, what may be wrong.
Results vary. Accurate information can’t be removed. You can dispute with the bureaus yourself for free. People shown are not OriumAI customers.
See it in motion
Ori reads all three reports, flags what may be wrong, writes and mails the letters, reads the bureau's reply and keeps going on auto-dispute.
Each letter cites the sections of the FCRA, the FDCPA and Metro-2 that apply to that specific account — chosen from what your report actually says about it, not from a fixed template.
256-bit encryption. Your data is safer here than at most banks.
Equifax, Experian and TransUnion, in one place, so you see where they disagree about you.
Bought credits and changed your mind? If you have not spent them on a letter, they come back in full within 7 days. Nothing renews on its own.
Stripe
USPS Certified
Import your 3-bureau report and OriumAI runs a full audit in seconds — every score, every derogatory item, every Metro-2 violation worth attacking. No spreadsheets, no guesswork.
Run your free auditConnect Orium360 credit monitoring. Our AI scans every account across all 3 bureaus and finds the errors, violations, and inaccuracies most people miss.
Your credit, from all three bureaus, explained
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.
+$127/mo
Bad credit adds $7,620 over a 5-year car loan at 18% vs 6% APR
+$312/mo
A 100-point difference can cost $112,320 over a 30-year mortgage
29.9% APR
vs 15% for good credit. Carrying $5K balance costs $750 more/year
Free to start. See every Metro 2 error on your report before you pay anything.
No templates. Each letter disputes that account's own defects — the fields your report actually gets wrong — citing the sections of the FCRA, the FDCPA and Metro-2 that apply to it.
Skip the post office. OriumMail prints, folds, seals and mails your letters by USPS Certified Mail, with live tracking and return receipt available, from $6 a letter. The 30-day clock starts when the bureau signs.
Photograph the bureau’s letter. Ori tells you what it means, which items were deleted, verified or ignored, and writes the round that answers it. Nothing stops at the first reply.
See what's hurting your score before you sign up
Orium360 pulls all three bureaus as structured data
Our AI instantly identifies collections, late payments, and errors
Sign up to generate professional dispute letters and track results
Sign up to see all negative items and generate dispute letters
Already have an account? Log in
Monitoring, analysis, letters, mail and a guide that stays on it, in one account. Enterprise-grade tools that credit attorneys and professionals trust.
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.
See what is behind your score in plain English: payments, balances, account age and new credit.
Unique, personalized letters crafted by AI—reads like a credit repair attorney wrote it.
Section 609 & 611 citations with deterministic compliance checks. 100% legally sound.
Skip the post office. We print, mail, and track via USPS certified mail automatically.
See where your score could be in 30, 60, and 90 days with your dispute strategy.
In their own words
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 |
Reading your report and seeing every error on it costs nothing — you only pay when you decide to send a letter. Bought credits and changed your mind? If you have not used them, they are refundable in full within 7 days. There is no subscription to cancel and nothing renews on its own.
Your sensitive financial data is protected by the same certifications and encryption standards trusted by Fortune 500 banks.
All payment processing handled securely by Stripe. Your financial data never touches our servers.
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.
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.
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.
Our AI adapts strategy based on bureau responses. If a dispute is rejected, we analyze why and generate new letters with different legal angles. And you only pay per round, so a round that does not land does not commit you to another.
Not at all! Connect Orium360 once, 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.
