# LumaCredit (lumacredit.net)

Parses a credit report into ranked dispute items and drafts FCRA dispute letters to mail, tracking each bureau's 30-day deadline.

- Atlas card: https://inite.ai/en/atlas/lumacredit.net
- Site: https://lumacredit.net
- For: People who want to dispute credit report errors themselves instead of paying a credit repair service
- Categories: finance
- Use 15/100 · alive 100/100

## Used for

- Read a credit report and list items to challenge
- Draft and mail FCRA dispute letters by certified mail
- Track the 30-day investigation deadline for each bureau

## Price

- from 19 USD/month, free plan (read 2026-10-22 on https://lumacredit.net/pricing)

## For developers

None found.
- Read 2026-10-22

## Your data

- Certifications stated: gdpr, ccpa
- Read 2026-10-22

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Source: INITE Atlas, https://inite.ai/en/atlas/lumacredit.net. JSON: https://inite.ai/api/atlas/lumacredit.net. MCP: https://inite.ai/api/mcp (atlas_lookup).