Connect your report once. OriumAI monitors all three bureaus, explains every line, disputes what’s wrong, mails it certified and reads the bureau’s reply.
Connect Orium360 once. Your full Experian, Equifax and TransUnion file arrives as structured data — every account, every Metro-2 field — and refreshes every month on its own.
Verify your identity and the 3-bureau pull begins
Every account arrives as structured data — nothing is read off a page
Full credit analysis appears within 30 seconds
Our neural network scans for 97+ Metro-2 violations that human eyes miss. Each issue is scored by removal likelihood and point impact.
Detects data format violations creditors often make
Predicts score improvement for each item removed
Prioritizes items with highest removal success rate
Each letter is uniquely crafted with specific legal arguments, FCRA citations, and personalized details. No templates. No duplicates.
Different strategies for TransUnion, Experian, Equifax
FCRA sections, case law, and compliance references
Professional formatting with your identity docs attached
We print, stuff, and mail your letters with USPS certified mail tracking. Real-time delivery updates straight to your dashboard.
Pay $12 and we handle everything
Real tracking numbers with delivery confirmation
Legal documentation for dispute records
Scores and the full file from all three bureaus, refreshed on schedule, with an alert the day something changes and a plain-words note on what it means.
Scores, every account and every inquiry, with what moved since last time
A new inquiry, a balance jump, a late mark, each in a sentence, not a code
Tap any change for the account behind it and what to do about it
Ori is the guide that read your report. Ask what a line means, why an item is disputable, or what the law says, and get the answer in plain English, with the section it rests on.
Answers come from your own accounts and dates, not a generic FAQ
The FCRA, the FDCPA and your state’s statutes, cited the way the letters cite them
Ori can start a round, turn on auto-dispute or open the screen you need
A month-by-month plan toward the score you are aiming for, built from your own factors, with a daily check-in, streaks and a weekly recap so the plan gets done.
Which factor to work on this month, and why, from your own file
Offers matched to what your file shows, never a form to fill
A daily check-in and a weekly recap, the way the habit apps do it
Photograph the bureau’s letter. Ori tells you which items were deleted, verified or ignored, what each result means, and drafts the round that answers it.
The next letter demands the method of verification the bureau relied on
Recorded, celebrated, and the other two bureaus checked for the same item
After 30 days the failure-to-respond letter is ready to send
Start your first dispute round for just $12. No subscriptions.
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