Initial credit-file review
$79You receive a written summary of findings and a recommended dispute strategy. The fee is invoiced after delivery and is credited toward your first completed service cycle if you continue.
Credit repair & advocacy
Structured advocacy. Professional oversight.
If inaccurate, outdated, incomplete, or unverifiable information may be affecting your credit report, we help you document the issue and navigate the dispute process.
What we do
A documented, compliance-focused process.
Detailed credit-file review
Identify reporting discrepancies
Prepare dispute correspondence
Coordinate certified mailing
Track bureau investigations
Review bureau responses
Prepare follow-up disputes when appropriate
Provide monthly service summaries
How it works
Two clear phases.
Ongoing credit advocacy
$99 per monthMonth-to-month dispute preparation, investigation monitoring, response review, and follow-up support. Fees are charged only after services are performed during a completed cycle.
Important disclosures
Clear expectations from the start.
- Lumera does not guarantee removal of any item, a specific score increase, loan approval, or a particular investigation timeline.
- You may dispute inaccurate information directly with credit-reporting agencies and obtain free reports at AnnualCreditReport.com.
- You may cancel a credit-repair contract within three business days of signing.
- Lumera does not provide debt settlement, creditor negotiation, loan brokering, legal advice, financial planning, or tax advice as part of this service.
Services are provided nationwide where permitted and are structured for compliance with the Credit Repair Organizations Act and applicable consumer-protection laws.