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Foundation preview. Capabilities shown are planned or in development — no live bureau, billing, AI or mailing integrations are connected.

Foundation preview · capabilities in development

Your Credit.
Your Intelligence.
Your Control.

Understand your credit across all three bureaus, uncover potential reporting issues, build a personalized action plan, and manage your disputes with powerful AI-assisted tools.

Three-bureau view

No report connected
  • Equifax

    Model Unavailable · Date Unavailable

    Unknown

  • Experian

    Model Unavailable · Date Unavailable

    Unknown

  • TransUnion

    Model Unavailable · Date Unavailable

    Unknown

Scores appear only from a verified, dated report with its scoring model named. We never estimate or display sample numbers.

One place for the work of understanding your credit

Each capability below is planned or in development in this foundation preview.

  • Planned

    Three-bureau intelligence

    Side-by-side view of Equifax, Experian and TransUnion data from an authorized monitoring provider.

  • In development

    Potential reporting issues

    Deterministic checks flag inconsistencies across bureaus for you to review — never automatic accusations.

  • Planned

    AI Credit Coach

    Plain-language explanations grounded only in your stored report snapshot, with sources shown.

  • Planned

    Personalized action plan

    Prioritized, explainable next steps you choose to accept, edit or skip.

  • In development

    Dispute management

    Draft, review and approve every letter yourself. Nothing is sent without your exact approval.

  • Planned

    Mailing center

    Optional tracked mail with the exact letter, recipient and price shown before you approve.

LuxOne.ai — Credit Intelligence. Reimagined.

Transparent pricing, verified before launch.

Software and credit monitoring are billed separately. Provider prices are pending verification.

View provisional pricing