Bad Credit Shouldn't Control Your Life
Whether you've been denied for loans, credit cards, apartments, or financing, our team works to help challenge inaccurate negative items and restore your financial confidence.
Trusted by 2,400+ people repairing their credit
Credit Score Progress
After Smart System Disputes
Experian
Equifax
TransUnion
Average Gain
+184 pts
across all 3 bureaus
Items Removed
12
negative accounts
FCRA Compliant
100% Legal
Smart System Generated
3 letters sent
Simple Process
Three steps to better credit
No confusing dashboards. No manual letters. No guesswork. Just connect and let our Smart System do the work.
Connect SmartCredit
Sign up for SmartCredit ($29/mo) and link it to PurgeCredit with one click. Your full 3-bureau report is imported instantly — no hard inquiry.
Smart System Analyzes Everything
Our Smart System scans every account, inquiry, and public record across Experian, Equifax, and TransUnion. It identifies what's hurting your score and crafts a personalized dispute strategy.
Letters Sent, Scores Rise
FCRA-compliant dispute letters go out to each bureau on your behalf. Every month, your reports are re-imported, results are tracked, and new strategies are applied if needed.
Everything Included
Credit repair on autopilot
Every tool you need to purge negative items and build a stronger credit profile — built in.
Brilliant Smart Engine
Our Smart System identifies exactly which accounts are dragging your score down and knows the most effective legal basis for disputing each one.
Complex Case Engine
Bankruptcies, student loans, medical debt, charge-offs, repos — each gets a full Smart System battle plan with e-OSCAR counter-strategies.
All 3 Bureaus at Once
Dispute Experian, Equifax, and TransUnion simultaneously. Most services only do one at a time. We do all three, every round.
FCRA-Compliant Letters
Professionally crafted letters citing exact consumer protection laws that bureaus and creditors cannot legally ignore.
e-OSCAR Counter-Intelligence
We know exactly how bureaus use the automated e-OSCAR system to rubber-stamp disputes. Our letters force genuine manual investigations.
Monthly Auto-Sync
Every month, PurgeCredit re-imports your updated reports, measures what changed, and fires the next round of disputes automatically.
Score Simulator
See exactly how your score will change if a collection is removed or you pay down a balance — before anything happens.
Court-Ready Legal Binder
Our Smart System builds a litigation-ready PDF binder with indexed exhibits, FCRA violation citations, and statutory damage estimates for your attorney.
Crypto Payments
Pay with BTC, USDT TRC20, TRON, or Dogecoin. No bank required. Payments confirmed within 1 business hour of network confirmation.
Bulletproof Privacy
Bank-level 256-bit encryption. Your data is never sold or shared. SmartCredit pulls are soft inquiries — zero impact to your score.
Unlimited Disputes
One collection or fifty — dispute as many accounts as you have at no extra cost. No per-letter fees, ever.
Real-Time Progress
Watch your score climb in real time. Every deletion, every point gained, every round of disputes — tracked in your dashboard.
Plans & Pricing
All plans include SmartCredit 3-bureau monitoring
$29/mo SmartCredit monitoring — billed directly by SmartCredit with every plan
Starter
$99
/month · 1–6 negative items
+ $29/mo SmartCredit monitoring (billed direct)
✓3-bureau dispute letters
✓Smart System dispute analysis
✓FCRA deadline monitoring
✓Score tracking dashboard
✓Email alerts
Growth
$159
/month · 1–20 negative items
+ $29/mo SmartCredit monitoring (billed direct)
✓Everything in Starter
✓Certified Mail Center (Lob)
✓CFPB one-click complaint filer
✓Debt validation gateway (FDCPA)
✓Bureau call center + scripts
✓Litigation binder builder
Elite
$199
/month · Unlimited items — bankruptcies, repos, student loans, medical & more
+ $29/mo SmartCredit monitoring (billed direct)
✓Everything in Growth
✓Bankruptcy & student loan engine
✓e-OSCAR counter-intelligence
✓Smart System attorney chat (unlimited)
✓Court-ready legal audit PDF
✓90-day money-back guarantee
Real Results
People are transforming their credit
These aren't hand-picked success stories. They're typical results from people who connected SmartCredit and let our Smart System work.
2,400+
Active Members
84 pts
Avg Score Gain
18,000+
Items Removed
98%
Would Recommend
"First round of letters and I had a 20-point increase on one bureau alone. I still have a long way to go but glad to see initial results."
+89 pts
Score Gain
6
Items Removed
Jennifer M.
Atlanta, GA
"Within 2 months my score jumped 83–112 points across all the bureaus. Still can't believe it worked. The Smart System letters are incredibly effective."
+112 pts
Score Gain
11
Items Removed
Marcus W.
Chicago, IL
"Already had a $4,000 collections removed from the very first debt verification letter! This platform pays for itself in the first month."
+67 pts
Score Gain
4
Items Removed
Evette R.
Houston, TX
"Started with all three reports between 640–654. Six months later I'm over 720 across the board. The automation made it completely stress-free."
+94 pts
Score Gain
8
Items Removed
David L.
Miami, FL
"Even if you know nothing about credit repair, this walks you through everything. Multiple collections and late payments removed without me doing a thing."
+55 pts
Score Gain
3
Items Removed
Sarah K.
Dallas, TX
"Easy program to use. Fixing your own credit puts you in control and you can see the results. The score simulator was spot on."
+78 pts
Score Gain
7
Items Removed
Thomas G.
Phoenix, AZ
Trusted by users
What Our Users Say
"PurgeCredit helped me remove a fraudulent collection account in just 60 days. The AI letter generator saved me hours of research on FCRA law."
Sarah Johnson
Small Business Owner
Transparent Pricing
Plans That Outperform the Competition
More features, lower prices, and tools competitors don't even know exist — including e-OSCAR counter-strategies and complex case engines for bankruptcies, student loans, and medical debt.
Two separate charges — total package value shown on each plan
Stripe charges your service fee only · SmartCredit bills their $29/mo directly to your card
Starter
1–6 negative items
How it's billed
Growth
1–20 negative items
How it's billed
Elite
Unlimited items — bankruptcies, repos, student loans, medical & more
How it's billed
90-Day Money-Back Guarantee
SmartCredit 3-bureau monitoring ($29/mo) included with all plans — billed directly by SmartCredit
🔒
Cancel Anytime
No contracts, no cancellation fees
💰
90-Day Guarantee
Elite plan: full refund if unsatisfied in 90 days
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256-bit SSL
Bank-level data encryption
₿
Crypto Accepted
BTC, USDT TRC20, TRON, DOGE