See how thousands of users have transformed their credit scores with AI-powered dispute letters.
Video Testimonials
Real stories, real transformations, real results
Case Studies
Deep dives into how our users achieved remarkable results
Terrell had been trying to buy a home for years, but his credit score of 521 kept him from qualifying. After discovering OriumAI, he connected his credit monitoring and the AI identified 7 Metro-2 compliance violations across his accounts. Within the first round, 4 items were removed. By the third round, all 7 items were gone and his score had climbed to 698.
After an unexpected hospital stay, Sarah found herself with over $45,000 in medical collections. Her score had dropped to 498. Using OriumAI's HIPAA violation detection, she identified that none of her medical collectors had proper authorization. Orium AI generated perfectly compliant dispute letters. Within 5 months, all 11 medical collections were removed and her score soared to 731.
Lisa ran a small credit repair business but was limited by the time it took to manually review reports. After switching to OriumAI Pro, she could process 10x more clients. The Metro-2 violation detection and automated letter generation allowed her to scale from 20 clients to over 200 in just 6 months, while maintaining an 82% deletion rate.
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What the engine finds
Every dispute Orium sends names a specific Metro 2 field and the statute it breaches. These are the defect classes it scans every account for.
Field 25 · DOFD
A furnisher moves the date of first delinquency forward, restarting the seven-year clock. The original date is provable against the older report.
Field 21 · Current Balance
A revolving balance reported above its own credit limit is internally inconsistent, and inconsistency is what §607(b) makes actionable.
Field 17A · Account Status
A closed account cannot accrue a past-due amount. The status and the amount contradict each other on the face of the file.
Field 12 · Date of Last Payment
A last-payment date later than the charge-off date is a sequence that cannot have happened, and it inflates recency scoring.
Field 09 · Account Type
The same account reported as two different types across bureaus means at least one is wrong, and the furnisher has to say which.
Field 25 · DOFD
A collection still reporting past the seven-year window from first delinquency is obsolete on its face and must come off.
Inquiry block
A hard inquiry with no account behind it and no written instruction on file has no permissible purpose to stand on.
Field 24 · Date Closed
A date closed that precedes the date opened is an impossible pair -- the kind of defect that survives an automated e-OSCAR check because nobody reads it.
Deletion history
Information deleted after a dispute cannot be reinserted without written notice within five business days. The notice is almost never sent.
Our AI scans every line of your credit report to identify Metro-2 compliance violations and FCRA issues.
Each dispute letter is unique, citing specific violations and legal grounds for removal.
Letters are printed, certified, and mailed automatically with full USPS tracking.
Monitor responses and score changes in real-time from your dashboard.
Connect your report and see your score from all three bureaus in about a minute.
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