Frequently asked questions

What is LuxCredAI?

LuxCredAI is a free AI-powered tool that analyzes your credit report, identifies every item you can dispute, and generates dispute letters — each one citing the relevant section of the Fair Credit Reporting Act (FCRA) — 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 credit reports from AnnualCreditReport.com — the only federally authorized source for free credit reports, now available weekly. 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line of your credit report and identifies negative items including collections, charge-offs, late payments, errors, and outdated accounts.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Our AI looks for collections, charge-offs, late payments, outdated accounts (older than 7 years), duplicate reporting, errors, unverifiable debts, and accounts reported during deferment or disaster forbearance periods.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. Many items can be removed due to errors, lack of verification, FCRA violations, or age limits, and our AI identifies which items have legitimate grounds. But no tool can guarantee that a specific item will be removed.

What are dispute letters?

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

How do I send my letters?

You have two options, and both are free. You can copy your letters and mail them yourself via USPS Certified Mail with Return Receipt Requested, or let LuxCredAI mail them for you — we print and send them certified, with tracking, so you do not need a printer or a trip to the post office.

How does the letter sending work?

When you choose to have us send a letter, you click Send Letter, enter your details once, and we handle the printing, enveloping, and certified mailing on your behalf — with a tracking number provided. This service is free.

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 may be an FCRA violation. Our free Dispute Defender helps you escalate — generating a Method of Verification request, an FCRA violation notice, and, if needed, a complaint you can file with the Consumer Financial Protection Bureau (CFPB).

Is LuxCredAI really free?

Yes. The full tool — uploading your reports, AI analysis, generating dispute letters, sending them by certified mail, and Dispute Defender escalation — is completely free. There is no subscription, no per-letter fee, and no feature locked behind a paywall.

Then how does LuxCredAI make money?

Through one optional product: our ebook, The Credit Comeback ($19.99). It is a plain-English playbook that teaches you the full strategy behind the tool. Buying it is entirely optional — the tool works fully without it.

What is The Credit Comeback ebook?

It is a 9-chapter guide that walks you through understanding your credit, disputing errors, rebuilding your score, and protecting it — in plain English, with cheat sheets and fill-in worksheets. It is the knowledge layer behind the free tool, available as a one-time $19.99 purchase.

Do I have to buy anything to use LuxCredAI?

No. Every feature of the tool is free to use. The ebook is the only paid item, and it is optional.