Structured Credit Advocacy. Transparent Process. Professional Oversight.

Lumera Services provides structured credit repair and credit dispute advocacy services for individuals and small business owners in states where our services are legally permitted. If inaccurate, outdated, incomplete, or unverifiable information is affecting your credit report, we assist with credit file review, dispute preparation, and investigation tracking in accordance with federal law.

Our approach focuses on documentation, strategy, and compliance — not unrealistic promises. Every case begins with a detailed credit report analysis and a written dispute strategy tailored to your situation.

WHAT WE DO

Our services may include:

✔ Detailed credit file review
✔ Identification of inaccurate, incomplete, or outdated reporting
✔ Preparation of dispute correspondence
✔ Certified mailing coordination
✔ Bureau investigation tracking
✔ Review of bureau responses
✔ Follow-up dispute preparation when appropriate
✔ Monthly service summaries

All dispute decisions are made independently by credit reporting agencies and data furnishers.

We do not guarantee removal of any item or specific credit score increases.

HOW OUR PROCESS WORKS

Phase 1 – Initial Credit File Review

$79

Step 1: Credit Report Analysis
We conduct a detailed review of your credit report to identify inaccurate, incomplete, outdated, or unverifiable reporting discrepancies.

You receive:

• A written summary of findings
• A recommended dispute strategy tailored to your credit profile

The $79 review fee is invoiced only after the review is delivered.

If you proceed with ongoing services, the $79 is applied as a credit toward your first completed service cycle.

Phase 2 – Ongoing Credit Advocacy

$99 per Month

If you choose to proceed, Lumera Services provides structured credit repair and dispute advocacy services on a month-to-month basis.

Step 2 – Dispute Preparation

Formal dispute correspondence is prepared and submitted to the appropriate credit reporting agencies and, when applicable, data furnishers.

Step 3 – Investigation Monitoring

Investigation timelines are tracked. Credit bureaus generally have up to 30 days (and in some cases 45 days) to respond under federal law.

Step 4 – Response Review

Bureau responses are reviewed to determine outcomes and whether additional dispute preparation is appropriate.

Step 5 – Follow-Up & Ongoing Support

If necessary, follow-up dispute preparation and continued case management are provided during subsequent service cycles.

Billing is month-to-month.
Fees are charged only after services are performed during a completed service cycle.

You may cancel at any time in accordance with your signed service agreement.

IMPORTANT DISCLOSURES

Lumera Services LLC does not guarantee:

• Removal of specific credit report items
• Credit score increases
• Approval for loans or credit cards
• Specific investigation timelines

You have the right to:

• Dispute inaccurate information directly with credit reporting agencies
• Obtain free annual credit reports at AnnualCreditReport.com
• Cancel any credit repair contract within three (3) business days of signing

SERVICE LIMITATIONS

This Credit Repair & Financial Advocacy service does not include:

• Debt settlement or creditor negotiation (offered separately under a dedicated agreement)
• Credit counseling programs
• Loan brokering
• Legal advice
• Financial planning
• Tax advice

Debt Settlement & Negotiation services are governed by a separate agreement.

COMPLIANCE STATEMENT

Lumera Services LLC operates in compliance with the Credit Repair Organizations Act (CROA) and applicable federal and state consumer protection laws.

Services are provided nationwide where permitted by applicable state and federal law.