AI-POWERED CREDIT TOOLS & OPTIONAL REPAIR

Use AI to understand your credit and add repair help when you're ready.

ScoreLuma gives you an AI-powered portal to upload your reports, see your Experian/TransUnion/Equifax scores from your PDFs, and ask unlimited planning questions. When you want deeper help, you can add done-for-you dispute prep that's billed only after each round of work.

Get a Free Credit Review

We do not guarantee specific results. We help you understand your reports, plan next steps, and, if you choose repair services, dispute items that appear inaccurate, outdated, or not properly verified in line with the Credit Repair Organizations Act (CROA).

AI Credit Scan (Demo) Preview

Paste a brief summary of your credit report (for demo only). In production, you’d upload your reports securely and our AI would analyze them.

AI suggestions will appear here.

How ScoreLuma works with you

Start with tools and planning. When you’re ready, add done-for-you credit repair that’s billed only after each round of work is completed.

You Pull & Upload Your Reports

You pull your own Experian, TransUnion, and Equifax reports from official sources, then upload them securely to ScoreLuma. We simply read the information and scores printed on your PDFs.

AI Tools & Unlimited Planning Q&A

With Membership, AI highlights negative items, explains what they mean in plain language, and answers unlimited planning questions so you know your next moves.

Optional Done-For-You Repair

If you want deeper help, you can add a paid “round” of done-for-you credit repair. We review your reports, prepare draft disputes for that round, and you only pay the repair fee after that round’s work is completed and delivered.

What ScoreLuma helps you do

Membership gives you tools & guidance. Repair add-ons let you hand off the heavy lifting when you’re ready.

Upload & View All 3 Bureaus

Use the portal to upload your Experian, TransUnion, and Equifax report PDFs. See key info and scores displayed based on what’s already printed in your files—no direct pulls by ScoreLuma.

AI Translation of Credit Jargon

Turn confusing credit language into clear, plain-English explanations so you know what’s really hurting you and why it matters.

Timeline & Goal Tracking

Set goals like “car in 6–12 months” or “prep for a mortgage” and keep track of steps you’ve taken, disputes you’ve sent, and responses you’ve received.

Unlimited Planning Q&A

With Membership, ask as many planning questions as you need—how to attack utilization, what to focus on first, and how to time things for your goals. Answers stay in your account so you can reread them anytime.

Self-Help Letter Ideas

Membership tools can suggest self-help letter language you can use yourself. If you’d rather we construct the full round of letters for you, you can add a paid repair round.

Done-For-You Repair Add-On

For members who want more help, ScoreLuma can prepare a full round of dispute drafts as a separate service. Repair rounds are billed only after that round’s work has been completed and delivered.

Is ScoreLuma a good fit for you?

This helps filter out headaches and makes sure the right people end up working with you.

ScoreLuma is perfect if you:

• Want to actually understand your reports instead of chasing hype.
• Are willing to pull your own Experian, TransUnion, and Equifax reports.
• Care about doing things legally and in line with CROA.
• Want a clear plan and are willing to follow simple steps.

ScoreLuma is not for you if you:

• Expect someone to “delete everything” instantly or guarantee approvals.
• Want to create a fake identity or do anything illegal with your credit.
• Refuse to upload documents or respond to bureaus and creditors.
• Are not willing to read basic instructions or follow through.

Your 3-bureau scores, always visible when you log in

Every time a client logs in, they should see their latest Experian, TransUnion, and Equifax scores at the top of their dashboard, along with when they were last updated and a clear “Update” button.

• Scores are read directly from the PDFs they upload—no fresh pulls by ScoreLuma.
• “Last updated” shows the date of their most recent report upload.
• One click on “Update scores” takes them straight to upload a new PDF.
• After upload, the scores and “last updated” date refresh to stay accurate.

In your real app, this same idea will live at the top of each client’s portal dashboard. This demo shows the concept on the marketing site so a developer knows exactly what to build.

3-Bureau Snapshot (Demo)

From Your PDF

ScoreLuma Membership Portal $24.99/mo

Experian

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TransUnion

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Equifax

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Last updated: —

Upload a sample 3-bureau PDF (demo)

In the real app, your uploaded PDF would be processed on a secure server and your scores would be read directly from that document. This demo just fills in example scores.

In practice, these numbers update each time you upload fresh reports to your Membership portal. If you add repair rounds, we’ll also summarize which items were worked on in each round.

Unlimited Credit Planning Q&A (included with Membership)

Once you’re a ScoreLuma member, you don’t have to guess. Ask as many planning questions as you need and get AI-assisted answers in plain language, all inside your portal.

• Ask about utilization, timing, inquiries, and goal-based planning.
• Tap suggested prompts if you’re not sure what to ask yet.
• Use search to find the best prompts for your situation.
• Keep all answers in your account so you can refer back later.

Planning Q&A is for general education and strategy only. It does not replace individualized legal, tax, or financial advice. Very heavy or abusive usage may require moving to a custom or VIP plan so we can keep the service fair and sustainable for everyone.

Planning Q&A (Demo)

Member Feature

Included in ScoreLuma Membership $24.99/mo

Demo shows how the experience will feel. In production, this area would unlock automatically once your Membership payment is processed.

Search suggested questions

Simple, honest pricing

Membership covers your tools, portal, and unlimited planning Q&A. If you want us to prepare dispute rounds for you, those are billed separately only after the work for that round is done.

STARTER

One-time credit review

• AI credit scan (from your reports)
• Quick overview of what’s hurting
• Simple action checklist

Get Free Review

Compare your options

Feature	Free Review	Membership ($24.99/mo)	Repair Round (Add-on)
Upload reports	✅ (limited)	✅	✅
3-bureau score snapshot	❌	✅	✅ (for that round)
Unlimited planning Q&A	❌	✅	Included if member
Self-help letter ideas	✅ (lite)	✅ (full)	✅
We draft dispute letters for you	❌	❌	✅ per round
When you pay for repair work	—	—	After the round is completed & delivered

How billing works

• Membership ($24.99/mo) is for tools, portal access, and unlimited planning Q&A. It can be billed in advance like a normal subscription because it does not charge you for credit repair work.
• Repair Rounds are optional add-ons. You only pay the Repair Service Fee for a round after we complete the work for that round (review, draft letters, and deliver your summary).
• This keeps you in line with CROA’s ban on advance fees for credit repair while still letting you run a clean subscription model for your portal and AI tools.

Get your AI-backed credit review

Fill this out and ScoreLuma will reach out with next steps, how to safely pull your reports, how to upload them, and which combination of Membership and repair rounds might fit your situation.

• You pull your own credit reports and share them with us securely.
• Membership covers tools, portal access, and educational Q&A.
• Done-for-you repair rounds are optional and billed only after work is performed.
• We do not promise or guarantee specific score increases or deletions.

This website is for informational purposes only and is not legal, tax, or investment advice. Before you begin repair services, you’ll receive a written agreement that explains your rights under the Credit Repair Organizations Act (CROA), including your right to cancel without charge within three business days and details about how and when fees may be charged.

Full Name

Phone (optional)

Main Credit Goal

Anything else we should know?

I agree to be contacted by ScoreLuma about credit services via email, text, or phone.

Client Login

Existing clients can use the login area to access their summaries, letters, and upload areas after they’ve been onboarded and signed their agreement.

• Secure access to your most recent review summary.
• Download your dispute letters and instructions (if you’ve ordered repair rounds).
• See what’s been sent and what’s upcoming.

This demo shows the front-end experience only. A developer will connect this login form to your secure backend or client portal of choice.

Login to your account

Password

Forgot your password? Contact support and we’ll securely reset your access.

Frequently Asked Questions

Does AI mean my credit will be fixed automatically?

No. AI helps analyze your reports, draft ideas, and organize your plan, but it cannot guarantee results or remove accurate information. Credit bureaus and creditors make the final decisions.

Can ScoreLuma remove accurate negative accounts?

We do not promise removal of accurate, timely information. Our focus is on items that may be inaccurate, incomplete, outdated, or not properly verified based on your reports.

Do you work with all three bureaus?

Yes. We help you understand information reported with Experian, TransUnion, and Equifax using the reports you provide. ScoreLuma does not pull your credit directly — you choose when and how your reports are obtained.

How does ScoreLuma protect my data?

We recommend secure upload methods and avoid sending full SSNs or sensitive info over text or email. As we grow, we’ll continue to improve encryption, access limits, and safe storage for your documents. You should always use strong passwords and protect access to your email and client portal.

How do your fees work with CROA?

Under the Credit Repair Organizations Act (CROA), we do not charge advance fees for credit repair services. The $24.99 Membership fee covers tools, education, and portal access. If you choose done-for-you repair rounds, each round’s fee is charged only after that round’s work has been completed and delivered to you, as explained in your written agreement.

Security & Data Protection (Summary)

Credit information is sensitive. Even before you build a fully custom portal, you should be clear about how you handle documents and personal data. This summary can sit above your full Privacy Policy.

• We encourage secure upload methods and discourage sending full Social Security numbers over regular text or email.
• We use password-protected accounts and limit access to client documents to authorized personnel.
• We do not sell your credit report information to third parties.
• You can request that we stop using your information for services, subject to legal and record-keeping requirements.
• As ScoreLuma grows, we will continue to improve our technical and administrative safeguards to protect your data.

Terms of Use (Summary)

This is a plain-language summary for your website. Your full written agreement and any additional documents may contain more detail and will control if there is any conflict. Have a licensed attorney review your final terms before using them with clients.

• ScoreLuma provides credit education, analysis tools, and optional credit repair services, not guaranteed results.
• You are responsible for pulling your own credit reports and sharing them with us securely.
• Membership fees cover software and educational access; repair fees are charged only after work is performed.
• We may adjust pricing or offerings over time, but we’ll honor the agreement you sign.
• Our services are not a substitute for legal, tax, or investment advice.
• To the extent allowed by law, our liability is limited to the amounts you paid us for services.

Privacy (Summary)

Because credit information is sensitive, we take privacy seriously. The exact details of how you store, process, and protect data should be reviewed with a professional and written into a full Privacy Policy.

• We collect information you choose to share, including contact details and copies of your credit reports.
• We use this information only to provide services, improve our processes, and communicate with you.
• We do not sell your credit report information to third parties.
• We limit access to your documents and use secure tools where reasonably possible.
• You can request that we stop using your information for services, subject to legal and record-keeping requirements.

Your Rights Under CROA (High-Level Summary)

The Credit Repair Organizations Act (CROA) is a federal law that gives you important protections when working with credit repair companies. This is a brief overview and not a full legal explanation.

• You have the right to a written contract describing the services to be performed, the total cost, and how long it may take.
• You have the right to cancel your contract for any reason within three business days without charge.
• Credit repair companies cannot charge you for credit repair services until those services have been performed.
• No one is allowed to advise you to misrepresent your credit history or create a new identity.
• You have the right to dispute information on your credit reports yourself at no cost by contacting the credit bureaus directly.

ScoreLuma is designed to operate in line with these protections, but this website does not replace personalised legal advice. Talk to a qualified attorney about your specific situation and about how your written agreements and billing practices should be structured.