See every negative item. Get the letters and instructions to erase them.
Expunge scans your credit report, breaks down every negative item, and generates dispute letters plus step-by-step instructions you can use yourself. A full AI concierge service that handles disputes for you is coming soon.
Three steps to a cleaner report
From upload to ready-to-send letters and instructions in minutes, not months.
Upload your report
Connect your credit report securely. Expunge extracts every negative item — late payments, collections, bankruptcies, inquiries, and more.
We break down every negative item
Our AI engine scans each negative item and explains what it is, how it impacts your score, and where there may be issues to dispute. Basic covers up to 5 items each month; Pro covers your entire report.
Letters and instructions you can use
Expunge generates dispute letters for all three bureaus plus follow-up templates and a checklist for each item. You choose which letters to send, when, and how far to push — we give you the playbook, you stay in control.
Expunge is software, not a law firm. We don't provide legal advice; we help you generate documents and instructions so you can handle your own disputes.
Credit pro tactics built into every letter
Credit pros know timing, phrasing, and escalation matter. Expunge bakes those patterns into your letters and instructions — without you having to study credit law.
These tactics are based on patterns in public FCRA-related information and dispute practices. They're not legal advice; they're practical guidance for handling your own disputes.
Real people. Real results.
"I spent $2,000 on a credit repair company last year. Expunge did better work in 2 weeks for a fraction of the cost."
"Expunge removed 7 negative items from my credit report in the first month. My score jumped 84 points."
"The AI letters are incredibly detailed. Each one cited specific FCRA violations I never knew existed. This is the real deal."
Simple, transparent pricing
Start free. Upgrade when you want the full playbook.
- 1 dispute letter
- Single bureau
- Basic AI analysis
- Email support
- Up to 5 negative items per month
- For each item: explanation, impact, and how a credit pro would attack it
- AI-generated dispute letters for all 3 bureaus
- Step-by-step sending and follow-up instructions
- 30-day tracking guidance
- Priority support
- Every negative item on your report, no limits
- Full breakdown: type, age, impact, dispute potential, recommended options
- AI-generated dispute letters for all 3 bureaus for every item
- Complete instruction set: how to send, what to attach, when to follow up
- Bulk upload and organized dashboard
- Dedicated support for complex reports
- Everything in Pro
- We will handle sending disputes to all three bureaus for you
- We will track timelines, responses, and outcomes
- We will prepare escalation letters and guidance
- Ideal for busy professionals and credit repair businesses
- Early access, founder pricing, and white-label options
AI Concierge is expected to launch in about 6 months. Until then, Expunge provides document generation and instructions only — you send disputes yourself.
Join waitlistReady to start erasing what's holding your score back?
See every negative item on your report, get the letters and instructions to fight them, and know what's actually possible — without guessing or hiring an expensive credit repair company.
Get started freeNo credit card required · Cancel anytime · You stay in control of every dispute