Pricing · OriumAI

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 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 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. Client Success Lead, CreditWave

Simple, Transparent Pricing

No hidden fees. Cancel anytime. Start fixing credit today.

BEST FOR DIY

Fix Your Own Credit

FREE

$12 per round · All 3 bureaus

Upload SmartCredit 3-Bureau reports
Generate FCRA-compliant dispute letters
AI-powered letter generation
Bureau score tracking
Letter round management
See results in 30-45 days
Client management
White label branding

Start Fixing My Credit

110% Money-Back Guarantee

Bank-Level Security

Shawna · DIY User "Removed 3 errors in 28 days"

BEST FOR SIDE BUSINESS

Help Others Fix Theirs

$47/mo

Fix yours + help 3 clients

Everything in FREE plan
Unlimited dispute letters
Manage up to 3 clients
Client portal & profiles
Bulk operations & automation
1-click SmartCredit import
Business dashboard
Certified mail (pay-per-use)
Priority support

Get Started

Perfect for Friends & Family

Priority Support Included

Eric · Side Hustler "$3k/mo helping 3 relatives"

Scale Your Business

$7 for 7 days

Then $197/month · Cancel anytime

Everything in PRO
Unlimited clients
Unlimited dispute letters
Complete white label branding
Advanced client portal
Bulk operations & batch processing
API access for integrations
Advanced analytics & reporting
Dedicated account manager

Start $7 Trial Now

7-Day Money-Back Guarantee

Dedicated Account Manager

Candace · Agency Owner "Closed 14 new retainers with 7-day trial"

Activation Booster

Show prospects the dollars they keep

Adjust the sliders—our calculator proves that even a 40-point score bump can slash APRs by up to 1.5% and put thousands back in your client's pocket.

110% Risk-Free FCRA Guarantee

Money-back + 10% if bureaus don't respond
Certified compliance badges on every plan
Shareable ROI report for your agency sales calls

Loan Amount Goal

Current APR (%)

Score Gain Target

Months Financing

Projected Lifetime Savings

$5,820

When your clients drop their APR by 1.5%

Break Even

1.4 letters

Score Goal

720+

Estimates assume 0.25% APR drop for every 20-point gain. Calculations for illustration only, but perfect for your discovery calls.

Everything Included in All Plans

Comprehensive credit repair automation with enterprise-grade compliance

AI-Powered Dispute Generation

Advanced AI letter generation with 3 unique variants per bureau
Metro-2® compliance violation detection (20+ violation types)
Attorney-reviewed FCRA/FDCPA legal language
Real-time point impact predictions
Dispute strategy recommendations
Automatic dispute round tracking

Credit Analysis & Reporting

1-click SmartCredit 3-bureau import
Tri-bureau score tracking (Equifax, Experian, TransUnion)
Credit score forecast with timeline
Auto loan savings calculator
Negative item categorization & prioritization
Progress dashboards with visual analytics

Client Management & Portal

Professional client portal with custom branding
Secure client data isolation & RBAC
iMessage-style messaging system
Client invitation system with custom URLs
File attachment support for documents
Real-time notification badges

Compliance & Automation

100% FCRA compliant letter generation
Certified mail integration with USPS tracking
PostGrid API for automated mailing
Bank-level encryption (AES-256)
SOC 2 & CCPA/GDPR compliance
Automated letter lifecycle notifications

What You Get with OriumAI

Everything you need to fix credit faster with AI-powered precision

Full Credit Breakdown

Upload SmartCredit 3-Bureau reports and get a detailed AI analysis of all negative items across Equifax, Experian, and TransUnion to identify areas for improvement with precision.

AI-Powered Disputing

Our proprietary AI engine analyzes Metro-2 compliance violations and generates FCRA-compliant dispute letters with precise legal verbiage to navigate credit disputes effectively.

Printing & Mailing Done For You

Effortless dispute process with certified mail tracking. We partner with PostGrid to print and mail all your letters, or download and mail them yourself for free.

No Contract + Money-Back Guarantee

Enjoy the freedom to better your credit with no strings attached—cancel anytime without penalty. We offer a 110% money-back guarantee if you don't see results after a year.

110%

110% Money-Back Guarantee

We're so confident in our platform that we offer the industry's best guarantee. If we don't improve your credit after a full year, we'll refund 110% of your money.

How It Works

Use OriumAI for 1 Full Year

Follow our AI-powered dispute process, upload your credit reports, and send dispute letters for at least 12 months.

No Credit Score Improvement?

If your credit score doesn't improve by at least 1 point across any of the three bureaus after a year, you qualify for our guarantee.

Get 110% Back—No Questions Asked

Contact us with proof of your starting and ending credit scores. We'll refund 110% of every payment you made within 14 business days.

What We Ask From You

Complete at least 3 dispute rounds, send letters via certified mail (or our PostGrid integration), and respond to bureau requests. That's it!

Trusted by Thousands of Credit Repair Professionals

"The platform's user-friendly interface made it incredibly easy for me to generate FCRA-compliant letters. After the 1st round, my client's score shot up over 180 points! OriumAI is a game-changer."

Marcus R.

Credit Repair Consultant · Houston, TX

"I was skeptical at first, but the Metro-2 compliance violation detection is incredible. The AI found issues I would have never caught manually. My business has scaled 3x since using OriumAI."

Sarah L.

Credit Repair Business Owner · Atlanta, GA

"An absolute game-changer when it comes to resolving disputes. The client portal is professional, the letters are legally sound, and the certified mail tracking gives my clients peace of mind."

James M.

Financial Advisor · Phoenix, AZ

"I recommend this service to all my friends and family. It really works! The AI finds violations that traditional credit repair companies miss. Worth every penny of the $12 per round."

Tanya J.

DIY Credit Repairer · Miami, FL

4.9 ★

Rated 4.9 Stars by 1,200+ Users

4 Core Values We Stand By

Our commitment to you goes beyond technology—it's about trust, transparency, and real results.

Radical Transparency

No hidden fees. No confusing contracts. We show you exactly what you're paying for and what to expect. Every dispute letter, every charge, every result is 100% transparent. You deserve to know exactly how your money is being used to fix your credit.

Consumer-First Compliance

We're FCRA-compliant and attorney-reviewed because your rights matter. Our letters are built on federal law, not empty promises. We use Metro-2 compliance violation detection to ensure every dispute is legally sound and gives you the best chance of success.

Guided Education

We don't just fix your credit—we teach you how it works. Understanding your credit report, knowing your rights, and learning how to maintain a good score are essential. Our AI explains every step so you're empowered to make smart financial decisions long-term.

Security & Stewardship

Your data is protected with bank-level encryption and SOC 2 compliance. We take your privacy seriously and never sell your information. You've trusted us with your financial future, and we're committed to being responsible stewards of that trust every single day.

Feature Comparison

Feature	FREE DIY $12/round	PRO $47/mo	SCALE $7 trial → $197/mo
Upload Credit Reports	✓	✓	✓
Generate Dispute Letters	✓	✓	✓
Certified Mail	Pay-per-use	Pay-per-use	Pay-per-use
Bureau Score Tracking	✓	✓	✓
Letter Round Management	✓	✓	✓
Client Management	—	Up to 3	Unlimited
Unlimited Dispute Letters	—	✓	✓
White-Label Experience	—	✓	✓
Client Portal & Profiles	—	✓	✓
Bulk Operations & Automation	—	✓	✓
1-Click SmartCredit Import	—	✓	✓
Priority Support	—	✓	✓
Complete White Label Branding	—	—	✓
API Access for Integrations	—	—	✓
Advanced Analytics & Reporting	—	—	✓
Dedicated Account Manager	—	—	✓

Frequently Asked Questions

Yes, you can cancel your subscription at any time through the billing portal. No long-term contracts or cancellation fees.

Mailing is available to all users for $12 per letter. We handle printing, certified mail delivery, and tracking for you.

Absolutely. All our AI-generated dispute letters are fully compliant with the Fair Credit Reporting Act (FCRA) and follow industry best practices.

Credit bureaus typically respond within 30-45 days after receiving your dispute letter. You'll be notified by email and SMS when bureaus respond, and you can track all your letters in the tracking dashboard.

The FREE plan is perfect for fixing your own credit - you pay only $12 per round to generate dispute letters for all 3 bureaus. The PRO plan ($47/mo) adds unlimited dispute letters and lets you manage up to 3 clients, making it ideal for helping friends, family, or starting a credit repair side business.

Yes! You can upgrade to a higher plan at any time through the billing portal. When you upgrade, you'll receive prorated credit for your current subscription. Downgrades take effect at the end of your current billing cycle.

Our AI analyzes your credit report for Metro-2 compliance violations and generates unique, lawyer-grade dispute letters tailored to your specific negative items. Each letter includes proper FCRA/FDCPA citations and follows proven dispute strategies. The AI generates 3 unique variants per bureau to maximize effectiveness.

No! Your credit report data is securely stored and automatically used for subsequent rounds. However, we recommend uploading a new report after receiving bureau responses to track progress and adjust strategies based on updated information.

You can track your letters from generation through delivery in our tracking dashboard. If you use certified mail, you'll receive delivery notifications. When bureaus respond (typically 30-45 days), you'll be notified by email/SMS. You can then upload bureau responses and initiate Round 2 disputes if needed.

Absolutely. We use bank-level encryption to protect your personal and financial information. All credit report data is encrypted at rest and in transit. We're fully GDPR and CCPA compliant, and we never share your data with third parties. You can delete your data at any time.

Transform Credit Reports Into
FCRA-Compliant Dispute Letters

Proof We Win Against The Bureaus

Thousands use OriumAI to transform credit scores