AI credit scan
Loosn AI reads your full report and ranks every disputable item by score impact, age, and likelihood of removal.
AI analysis · FCRA-cited letters · Certified mail tracking
Understand your credit. Take control.
Read your credit report without guessing — and dispute inaccuracies yourself, with AI handling the analysis and paperwork.
No card required to upload your first report.
You review and approve every dispute. You are the sender of record on every letter.
Three steps. You stay in control.
- 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.
Understand your report — and dispute inaccuracies yourself.
FCRA-cited letters
Section 611 references, the 30-day investigation requirement, certified-mail framing — every letter cites the consumer rights you're exercising.
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.
Pick your tier
Cancel anytime. No long-term commitment.
Loosn Starter
AI Credit Scan + your first 3 dispute letters.
$19/month
- AI-powered credit report analysis
- 3 FCRA-cited dispute letters
- Single bureau report support
- Cancel anytime
Most popular
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
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 at your instruction, after you approve each send.
Beyond disputes
Disputes are only half of a credit file
A dispute addresses what is on your file and should not be. It cannot address what is not there at all. For that second half, Loosn points you at four independent companies that add new payment history — credit-builder accounts and rent reporting. They are not part of Loosn, you sign up with them directly, and nothing in Loosn requires them.
- KikoffEquifax · Experian · TransUnion
- SelfEquifax · Experian · TransUnion
- MagnumCreditStrongEquifax · Experian · TransUnion
- Rental KharmaEquifax · TransUnion
Loosn earns a referral fee if you open an account with one of these companies through us. It costs you nothing extra. They are separate businesses and Loosn does not review or advise on which, if any, suits you.
What everyone asks.
Is Loosn a credit repair organization?
Loosn is built as self-directed software. We provide AI analysis, letter templates, and an optional mailing service (via Lob.com on Pro+Auto-Send). You review and approve every dispute, and you are the sender of record on every letter — each envelope goes out in your name and from your address. When you use Auto-Send, Lob is a print-and-mail provider that prints and mails that letter at your instruction, after you approve that specific send; Loosn does not negotiate, argue, or communicate with a bureau or creditor on your behalf, and does not respond to them for you. You can always dispute inaccurate information directly with the bureaus yourself, free of charge.
What happens if an item doesn't get removed?
No one can guarantee a removal — outcomes depend on your specific file and on what the bureau and furnisher can verify. Under the FCRA, bureaus must investigate your dispute, and if an item is verified, Loosn helps you prepare the next round (escalation, debt validation, or goodwill letters). You can cancel your subscription at any time.
How long does the dispute process take?
FCRA gives bureaus 30 days to respond, extendable to 45 if you submit additional documentation during the investigation. How many rounds a file takes varies case by case, and multiple rounds (escalation letters, debt validation, goodwill) are normal — Loosn drafts each one for you to review and send.
Is my SSN safe?
Your SSN is encrypted with AES-256-GCM the moment you submit it. We never log it, never email it, never display it after entry. Stored as ciphertext only.
Will this hurt my credit?
Filing a dispute does not directly lower your score. If a bureau verifies the item, it stays on your file; if it's deleted, your report reflects that. Changes to your report can affect your score in either direction depending on your overall file — Loosn shows you the AI's reasoning for each item so you can decide what to dispute.
Can I cancel?
Yes — anytime, from your billing settings. No long-term commitment.