Frequently asked questions

What is LuxCredAI?

LuxCredAI is an AI-powered credit repair tool that analyzes your credit report, identifies every item you can dispute, and generates legally-backed dispute letters ready to send to the credit bureaus.

Which credit reports does LuxCredAI support?

We support all three major credit bureaus — Equifax, Experian, and TransUnion. You can upload reports from any or all three for a complete picture of your credit profile.

How do I get my credit report?

You can get your free annual credit report from AnnualCreditReport.com — the only federally authorized source for free credit reports. Download your report as a PDF and upload it here.

Is my information safe?

Yes. Your credit report is processed privately using 256-bit SSL encryption and is never stored on our servers. We analyze it in real time and discard it immediately after.

How does the AI analysis work?

Our AI reads every line of your credit report and identifies negative items including collections, charge-offs, late payments, errors, and outdated accounts. It then cross-references each item against the Fair Credit Reporting Act (FCRA) to determine which ones can be disputed and why.

What is the FCRA?

The Fair Credit Reporting Act (FCRA) is a federal law that gives you the right to dispute inaccurate or unverifiable information on your credit report. Under FCRA Section 611, credit bureaus must investigate disputes within 30 days and remove items that cannot be verified.

How long does the analysis take?

Most reports are analyzed in 30-90 seconds. Larger reports with 100+ pages may take up to 2 minutes. Please do not close the page while the analysis is running.

What types of items can be disputed?

Our AI looks for collections, charge-offs, late payments, outdated accounts (older than 7 years), duplicate reporting, errors, unverifiable debts, and accounts reported during deferment or disaster forbearance periods.

Can everything on my report be removed?

Not everything — accurate, verifiable, and timely negative information may remain. However, many items can be removed due to errors, lack of verification, FCRA violations, or age limits. Our AI identifies exactly which items have legitimate grounds for removal.

What are dispute letters?

Dispute letters are formal written requests sent to credit bureaus asking them to investigate and remove specific negative items from your credit report. Our AI generates personalized letters for each item, citing the specific FCRA statute that applies.

How do I send the letters myself?

On the Starter plan, you can copy your letters and mail them yourself via USPS Certified Mail with Return Receipt Requested. This gives you proof of delivery and starts the 30-day response clock.

What is the letter sending service?

On Pro and Premium plans, we send your certified mail letters directly to the bureaus on your behalf through our mail partner. You click Send Letter, enter your information once, and we handle printing, stuffing, and mailing — with a tracking number provided.

How long do bureaus have to respond?

Under FCRA Section 611, credit bureaus must complete their investigation within 30 days of receiving your dispute letter. If they cannot verify the information, they must remove it from your report.

What if the bureau does not respond?

If a bureau does not respond within 30 days, that is a violation of the FCRA. Our system will automatically generate a follow-up escalation letter for Pro and Premium members.

What is included in the free plan?

The free plan includes one credit report upload, full AI analysis, and the ability to see all disputable items with priority rankings and removal reasons. To access dispute letters and the letter sending service, you will need to upgrade to a paid plan.

Can I cancel my subscription anytime?

Yes. There are no contracts or commitments. You can cancel your subscription at any time and you will retain access until the end of your billing period.

What does the per-letter fee cover?

The per-letter fee covers the cost of printing, enveloping, and sending your dispute letter via USPS Certified Mail with tracking. Pro members pay $7 per letter and Premium members pay $5 per letter.

Is there a free trial?

Yes — our Free plan lets you upload a report and see your full analysis at no cost. You only need to upgrade when you are ready to access your dispute letters and send them.