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LumaCredit
Fix your credit yourself with an AI counselor
Credit repair usually costs $50–150/mo and hides what it does. LumaCredit is different: an AI counselor reads your 3-bureau report and explains it in plain English — grounded in your own data with citations, not generic tips. It drafts FCRA-cited dispute letters in seconds, tracks every 30-day round (Standard → MOV → Procedural → 609), and simulates score impact before you act. CROA-compliant, self-service, no upfront fees — you stay in control. Free to start.
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?
About LumaCredit on Product Hunt
“Fix your credit yourself with an AI counselor”
LumaCredit was submitted on Product Hunt and earned 4 upvotes and 1 comments, placing #116 on the daily leaderboard. Credit repair usually costs $50–150/mo and hides what it does. LumaCredit is different: an AI counselor reads your 3-bureau report and explains it in plain English — grounded in your own data with citations, not generic tips. It drafts FCRA-cited dispute letters in seconds, tracks every 30-day round (Standard → MOV → Procedural → 609), and simulates score impact before you act. CROA-compliant, self-service, no upfront fees — you stay in control. Free to start.
On the analytics side, LumaCredit competes within Fintech, SaaS and Artificial Intelligence — topics that collectively have 560.5k followers on Product Hunt. The dashboard above tracks how LumaCredit performed against the three products that launched closest to it on the same day.
Who hunted LumaCredit?
LumaCredit was hunted by Keyner W. Tupac Yupanqui Caballero. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of LumaCredit including community comment highlights and product details, visit the product overview.
Keyner W. Tupac Yupanqui Caballero