“2 collections gone in 38 days. My score jumped 51 points.”María L. · Houston · Pro tier
How it works
Three steps. Hands-off on Pro and up.
01
Loosn knows your credit report
Pro and up: SmartCredit auto-pulls your Equifax, Experian, and TransUnion reports every month. Starter: upload a PDF from annualcreditreport.com. Either way, encrypted, private, never shared.
02
Loosn AI reads every line
Our AI flags collections, charge-offs, late payments, judgments — and ranks each by impact and disputability, with reasoning you can verify.
03
Letters in your name — sent however you want
Pro + Auto-Send: Lob.com prints and certified-mails every letter for you, at provider cost. Pro and Starter: Loosn drafts the PDF; you print, sign, and certified-mail it yourself.
What you get
Tools that used to cost lawyers $500.
AI credit scan
Loosn AI reads your full report and ranks every disputable item by score impact, age, and likelihood of removal.
FCRA-compliant letters
Section 611 references, 30-day investigation requirement, certified-mail framing — every letter is legally tight.
Tri-bureau monitoring
SmartCredit-powered real-time alerts on Equifax, Experian, TransUnion. Pro and Concierge plans.
Auto follow-up
Upload the bureau response. Loosn classifies the outcome and generates the next-round letter automatically.
Personalized AI insights
Recommendations tailored to your portfolio: top priority, quick wins, what to dispute next.
Built for keeps
Your data stays encrypted at rest. SSN never leaves AES-256-GCM. No selling, no advertising.
Pricing
Pick your tier
Cancel anytime. 90-day money-back guarantee on every plan.
Loosn Starter
AI Credit Scan + your first 3 dispute letters.
$19/month
AI-powered credit report analysis
3 FCRA-compliant dispute letters
Single bureau report support
90-day money-back guarantee
Loosn Pro
Full automation. You mail the letters.
$49/month
Everything in Starter
Unlimited dispute letters
SmartCredit tri-bureau monitoring
Automated follow-up rounds
AI insights panel
Most popular
Loosn Pro + Auto-Send
Pro + Loosn certified-mails your letters for you.
$79/month
Everything in Pro
3 certified letters mailed by Loosn every month
Additional letters at $9.99 each
USPS tracking + return receipt confirmation
You remain the sender of record
Loosn Concierge
Pro + Auto-Send + a human reviewer on every round.
$199/month
Everything in Pro + Auto-Send (unlimited letters included)
Human concierge reviews each bureau response
Manual escalation for complex cases
Priority support
Pro + Auto-Send includes 3 certified letters per month, mailed by Loosn at USPS counters with full tracking + return receipt. Additional letters cost $9.99 each. You remain the sender of record on every envelope — Loosn handles the printing and mailing logistics on your behalf.
Real wins
What people say after they hit delete.
“Two collections gone in 38 days. Loosn wrote the letters, I mailed them. My score jumped 51 points.”
María L.Houston, TX · Pro tier
“I was about to pay a $700 credit repair company. Loosn does more for $19. The AI rationale on every item is the killer feature.”
James R.Atlanta, GA · Starter tier
“I'm a mortgage broker — three of my clients used Loosn before closing. All three got approved. This thing pays for itself.”