AI CREDIT INTELLIGENCE ENGINE

Fix your credit.
On your terms.

Jooma reads your credit report, finds what's dragging your score down, and writes the dispute letters for you — a complete DIY credit repair toolkit powered by AI.

FCRA-compliant letters First letter free

Score insight

Projected after disputes

Items flagged

3 active

How it works

Three steps to a healthier credit file.

Step 1

Import your report

Paste or upload your credit report. Our AI reads every line in seconds.

Step 2

See what's hurting you

Negative items are flagged with a dispute strategy and success likelihood.

Step 3

Send AI dispute letters

Generate FCRA-compliant letters, then track every dispute to resolution.

Feature

AI Credit Analysis

Our engine identifies collections, charge-offs, late payments and unverifiable items — then ranks them by how likely they are to be removed.

Feature

Dispute Tracking

A clean board of every dispute — draft, sent, resolved — so you always know exactly where each item stands.

Repair your credit — free.

Start with a 7-day trial (everything unlocked, up to 5 AI dispute letters), then keep generating unlimited AI dispute letters, tracking every item, and simulating your score — at no cost. No plans, no paywalls.

Fix your credit.On your terms.