Credit intelligence, repair and education
Bring clarity to your credit.
Understand what's on your credit report, spot possible errors, prepare disputes and learn the habits that matter. AI helps explain and draft. You review and approve everything.
Everything in one place
Dashboard
Your scores, utilization, open issues and upcoming deadlines at a glance.
AI Credit Coach
Ask questions in plain language and get answers grounded in our lessons, with sources.
Reports & Insights
Rule-based checks highlight possible reporting errors, each with a clear explanation of why.
Disputes
Prepare dispute letters for information you believe is inaccurate, then track deadlines and responses.
Education Center
Short courses on credit basics, your rights under the FCRA and how to avoid scams.
Security & privacy
Multi-factor sign-in, encryption, minimal data collection and full control over your consents.
How it works
- 1
Add your report
Import a credit report you obtained, after giving consent.
- 2
Understand it
See possible issues, why they were flagged and what they mean.
- 3
Review a draft
For items you believe are inaccurate, Credlumen prepares a draft letter.
- 4
You decide
Nothing is sent without your approval. You send it and we help you track it.
Every AI explanation shows its sources, rule version and confidence. Every action is approved by you and recorded.