It's a comprehensive and educational product offering consumers the resources to contact credit bureaus and creditors on their own, without the need or expense of credit repair agencies or lawyers, says Luster co-founder Colin McGrady. Luster provides credit file management and an application that allows users to successfully improve their credit score independently versus hiring a costly attorney, he adds.
Once the software is downloaded on the user’s computer, Luster provides solutions for each step and possible scenario of the credit dispute process, allowing for customized communications in disputing inaccuracies and unverifiable information on credit reports. It retails for US$49.99 and is available for Mac and Windows systems.
The one-time fee includes two user log-ins, a credit repair manual, access to more than 30 professionally drafted dispute letters, and tracking and recording of all letters and correspondence for the three major credit bureaus. A free 30-day trial is available with limited access to all of Luster’s features.
