AI-Powered Credit Repair Platform for Partners and Professionals.
Lumina Credit turns credit repair into mortgage readiness and deal recovery. You enroll the clients you have to turn away today; the platform supports the readiness work — disputes, utilization, one clear next move at a time — and alerts you when a client reaches the Ready band so you can reconnect. A “not yet” today may still become a future opportunity — lenders make their own decisions.
No guaranteed outcomes. No overnight promises. A real plan, an honest clock, and a readiness estimate you can explain — with momentum you can feel at every step.
Credit repair feels long. Progress shouldn't feel invisible.
Most people quit credit repair because nothing seems to be happening. Lumina Credit makes every bit of progress visible — a readiness estimate that reflects your file as you work, one clear next move instead of forty, and a win logged every time you finish a step. Small wins, seen clearly, are what carry people to the finish line.
No hype, no promised outcomes — just honest progress you can watch happen.
The four pillars
Credit repair is regulated for a reason. Lumina Credit is built around the work itself — accurate disputes, honest timelines, and a readiness measure your clients and partners can both understand — presented so people actually want to keep going.
📈 LuminaScore™
A readiness score that answers the only question that matters — how close is this client to fundable? Built from the negative items, utilization, payment standing, and dispute progress in the client's own file, with the math shown in plain language.
📱 Lumina Pocket™
The client's pocket companion — their plan, their readiness, and their progress on their phone, in one glance. Because most clients will never open a desktop dashboard.
💬 Response Decoder™
Bureau letters are written in legal static. The Decoder translates any response into plain language: what the bureau actually did, what it means for the plan, and the next step.
✨ Your Next Best Move™
No 40-item to-do list. Every client sees the single highest-impact action, always current — send this dispute, pay this card down, decode that reply. Momentum without overwhelm.
⏱️ Disputes, tracked honestly
Every dispute carries its bureau, sent date, and response window. Federal law gives bureaus 30–45 days to investigate; the platform shows that clock instead of pretending answers come overnight.
🗂️ Document Vault
Reports, letters, and bureau responses in one place, with a record trail on everything sent. In a regulated business, the paper trail is the product.
How It Works for Partners
From a deal stalled at the credit step to a client back in the Ready band — you enroll the client, the platform supports the readiness work, and you are alerted when they reach Ready so you can reconnect.
You enroll a client
A deal stalls at the credit step — a mortgage application, an auto loan, a lease. Instead of turning the client away, you enroll them in Lumina Credit the same day.
Report imported, plan built
The client imports a credit report. The platform finds the negative items, drafts FCRA dispute letters, and builds a step-by-step readiness plan around their goal.
Disputes run — fully tracked
Every dispute carries its bureau, mailed date, and the FCRA response window, and every bureau reply is decoded into plain language for the client.
You watch the pipeline board
Each client's stage, LuminaScore™, and current move at a glance — clients moving from Enrolled to In Plan to Disputes Running, without you chasing updates.
You're alerted at Nearly Ready and Ready
When a client crosses into the Nearly Ready or Ready band, the alert lands on your board — so you can reconnect with the client. Any lending decision remains the lender's.
Plans
Your plan and price are set when you enroll — your partner or the Lumina team confirms the exact terms with you before anything is charged. Billing never starts before services are performed, and you can cancel at any time.
Readiness
- LuminaScore™ readiness tracking
- Report import & negative-item finder
- Dispute center with drafted FCRA letters
- Your Next Best Move™ action plan
- Document Vault
Readiness Plus
- Everything in Readiness
- Response Decoder™ unlimited decodes
- Utilization coaching & what-if Simulator
- Priority plan reviews
- Partner progress updates
Partner
- Enroll clients under your business
- Readiness & next-move visibility per client
- Deal-recovery alerts at ready range
- Co-branded client experience
- Volume enrollment
Partners reconnect with clients credit stalled
Mortgage professionals, auto dealers, and credit and finance professionals all lose the same deals the same way: a file that is one repair season away from fundable. Lumina Credit gives your clients a real path back — and gives you the readiness signal that tells you when to pick the file back up.
Enroll a client in minutes. They get Lumina Pocket™, a plan, and one next move at a time. You get a readiness signal when they reach the Ready band, so you can reconnect instead of letting the lead go cold — the lending decision stays with the lender.
What a partner sees at a glance
- Readiness
- LuminaScore™ and band, with the factors moving it
- Current move
- The client's Your Next Best Move™, verbatim
- Time in plan
- Days since enrollment — no guessing where a file stands
- Dispute clock
- Sent dates and the FCRA response window for every dispute
That's the whole view — progress, not the full credit report. Account-level report contents and dispute letter text stay with the client.
Enroll them today, and let the momentum do what momentum does.