Whether you're new to credit repair or looking to maximize your results with OriumAI, this comprehensive FAQ has you covered.
Getting Started
What is OriumAI?
OriumAI is an AI-powered credit repair platform that helps you generate FCRA-compliant dispute letters, detect Metro-2® violations, and track your credit repair progress. Starting at just $12 per dispute round, we make professional credit repair accessible to everyone.
How does credit repair work?
Credit repair works by disputing inaccurate, incomplete, or unverifiable information on your credit reports. Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate your disputes and remove items they cannot verify within 30 days.
Is credit repair legal?
Absolutely. You have a legal right under the FCRA to dispute any information on your credit report that you believe is inaccurate or incomplete. OriumAI simply helps you exercise that right more effectively.
Using OriumAI
How do I get started?
1. Create a free account
2. Connect your credit monitoring account or upload your credit reports
3. Our AI analyzes your reports for negative items and Metro-2® violations
4. Select items to dispute and choose your attack strategy
5. Generate professional dispute letters
6. Mail your letters (we offer certified mail service) or print and send yourself
What is a "dispute round"?
A dispute round is one batch of dispute letters sent to the credit bureaus. Each round includes letters for all selected items across all three bureaus. At $12 per round, this is dramatically cheaper than credit repair companies that charge $100+ monthly.
What are Metro-2® violations?
Metro-2® is the technical standard that creditors must follow when reporting your account information to credit bureaus. Violations include incorrect account type codes, invalid payment ratings, missing required fields, and more. These technical violations give you the strongest legal ground for successful disputes.
Results & Expectations
How long does credit repair take?
Results vary, but most users see improvements within 30-45 days of their first dispute round. Complex cases may require multiple rounds over 3-6 months. Our average user improves their score by 60-100 points.
What success rate can I expect?
Industry-wide, about 25-40% of disputes result in removal or modification. OriumAI users see higher rates (often 50-70%) because our AI identifies Metro-2® violations that provide stronger legal ground for removal.
Can all negative items be removed?
Not necessarily. Accurate information that is being reported correctly is difficult to remove. However, our Metro-2® violation detection often finds technical reporting errors even on legitimate accounts, giving you grounds for dispute.
Pricing & Plans
How much does OriumAI cost?
• Free: Credit analysis and violation detection
• $12 per dispute round: Generate and track dispute letters
• $197/month PRO: For credit repair professionals managing multiple clients
Are there any hidden fees?
No. You only pay for dispute rounds you generate. There are no monthly fees, setup fees, or cancellation fees for regular users.
What if I'm not satisfied?
We stand behind our product. If your letters aren't FCRA compliant or contain errors, we'll refund you immediately.
Technical Questions
How do I connect my credit report?
We support direct integration with SmartCredit and other major credit monitoring services. You can also upload PDF credit reports from IdentityIQ, MyFICO, Credit Karma, and more.
Is my data secure?
Yes. We use bank-level 256-bit encryption, and your sensitive data is never shared with third parties. Your credit reports are processed securely and stored encrypted.
Still Have Questions?
Contact our support team anytime. We're here to help you succeed in your credit repair journey.
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