Hey Product Hunt! I'm Keyner, the maker of LumaCredit. This started with a simple frustration: credit repair in the US is slow, expensive ($50–150/mo), and opaque — most services won't even show you what they're doing for you. Meanwhile the FCRA gives every consumer the right to dispute errors themselves, for free… but the playbook is intimidating and nobody walks you through it. So I built the counselor I wish existed. You upload your tri-bureau report and LumaCredit reads it, explains it in plain English (grounded in your data, with citations — not generic advice), drafts FCRA-cited dispute letters, and tracks every 30-day round as your case escalates. The hardest part wasn't the AI — it was earning trust. LumaCredit is deliberately CROA-compliant (no guaranteed-score promises, no upfront fees, you stay in control), and I evaluate the AI like code: a RAGAS eval harness scores every change so answers stay grounded and accurate. It's live today and free to start — you only upgrade when you mail your first dispute. I'd love your honest feedback, especially from anyone who's fought their own credit report: what would make you trust an AI with something this sensitive?

LumaCredit

Fix your credit yourself with an AI counselor

Fix your credit yourself with an AI counselor