As you strive to regain your financial footage and build your credit score, using the best credit repair software will help you achieve precisely that.
A 2021 survey showed that about 34% of consumers discovered at least one error on their credit reports.
Such mistakes damage your credit score and affect your eligibility for loans and other financial assistance. They also lead to high-interest rates on loans and can even hinder you from securing a job.
While the Consumer Financial Protection Bureau can help you fix these credit report errors, their disputing and correcting process is often lengthy and frustrating to many consumers.
On the other hand, hiring a credit repair company isn’t any better as you have to pay a hefty monthly fee to get their services.
A credit repair software stands out as the most economical and time-saving solution. It enables you to navigate the bureaucratic financial system quickly and correct any errors in your report.
It is also helpful for credit repair businesses as they can use the software to plan and organize their workload and clients.
In this article, I have selected and reviewed the best credit repair software options based on their main capabilities, features, pricing, and more. Keep reading for details.
Table of Contents
Here are the best credit repair software to help you handle your credit repairs within a short time. Some are best suited for individuals, others for businesses, and a few for both.
Best all-in-one software for credit repair businesses.
Founded nearly two decades ago, Credit Repair Cloud is an easy-to-use software that enables businesses to launch, run, and grow their credit repair operations. Most well-established credit repair firms turn to this software when improving their client’s credit scores.
What’s best about this platform is that you can import credit reports and create your credit audits with a single click, saving a lot of time. Besides, Credit Repair Cloud gives you access to hundreds of proven dispute letter templates, enabling you to write to your credit reporting agency in seconds.
Its simple dashboard lets you keep a pulse on your business health while including a new revenue stream.
You can use the Credit Repair Cloud as a full-featured Customer Relationship Management (CRM) for tracking and managing every aspect of your credit repair business.
You don’t need any prior experience to use this credit repair software program, as it offers step-by-step resources and training programs to help you increase your customer’s score for the home.
Credit Repair Cloud is best for entrepreneurs seeking to get into the credit repair business or who need to include it in their revenue streams. It also works best for mortgage brokers, attorneys, and realtors with some personal experience with credit repair.
If you’re interested in creating a profitable credit repair business without prior experience, I suggest you watch this 100% free webclass.
- User-friendly Dashboard – Lets you track the progress and health of your credit repair business.
- Complete Dispute Library – You can choose your preferred template letter from the over 100 available or create your own.
- KPI Metrics – The feature helps you gauge your credit repair business goals, objectives, initiatives, and overall performance.
- Letter Finder – Helps you select the perfect letter for the moment.
- Seamless Integrations – You can integrate numerous web apps into the dashboard like Zapier.
- Online Client Signature Capture – This is helpful when handling online client agreements.
- Advanced Credit Repair Training – The platforms offer free live software training and other resources to equip you with all the information you need to run your business successfully.
- One Click Report Imports and Audits Generation – You can instantly transfer your client’s credit reports and create credit audits.
- Easy to Include Clients and Team Members in Ready-Made Businesses – Credit Repair Cloud provides tools to add team members and clients to an existing credit repair business.
- Credit Dispute Automation – Helps save time.
- Unlimited Storage – The platform offers safe cloud storage for all your client’s credit reports, audits, and other business files.
- Credit Repair Cloud offers a free unlimited-use trial for 30 days.
- The Start plan is $179/month.
- Its Grow plan is $299/month.
- The Scale plan goes for $399/month.
- The Enterprise plan stands at $599/month.
You can get a 20% discount if you subscribe to an annual plan.
Best credit repair software for beginners and advanced entrepreneurs.
Client Dispute Manager is a cloud-based platform with all the tools you need to operate your credit restoration business.
It offers free training for credit business and client dispute management to ensure you have all it takes to handle your first client within 15 minutes. Besides, the credit repair software lets you input all your clients’ details without breaking a sweat.
Its core features, such as bulk printing and client auto nurturing, lets you run your business with less stress, time, and employees.
The software further features state-of-the-art automation technology to help you save money and time by automating processes, such as credit score updates, smart interviews, and printing.
Its built-in tools allow you to follow up on all your leads and clients without leaving your dashboard. They also enable you to monitor the clients’ credit reports daily, weekly, and even monthly and quickly create dispute letters to resolve the problem.
What’s best is that this credit repair software integrates with numerous web applications, including Zapier, Twilio, LetterStream, PrivacyGuard, Smartcredit, and more.
Client Dispute Manager software is best for new and established entrepreneurs who want to launch, operate, and nurture their credit restoration business.
- Bulk Printing – You can print hundreds of letters at a go.
- Client Auto Nurturing – It helps prevent cancellations.
- Seamless Integrations – The software integrates thousands of apps, including Zapier and Twilio.
- Top Automations – It includes automated bulk printing, credit score updates, and the signing up of customers.
- Affiliate Portal – Helps your business to grow and expand very fast.
- Smart Interviews – The feature saves you the time of interviewing your customers as it does it on your behalf.
- Multiple Items Disputing – You can dispute several accounts in minutes.
- Free Training – You receive training on handling your credit business and disputes without paying any additional fee. It happens through live training and dedicated resources like on-screen training videos.
- Best Support – You can seek help from their dedicated through phone or in-software chat. Besides, the software offers 24/7 email support.
- Automated Notifications – They include customer text messages, team messages, pending documents, and signed agreements, to mention but a few.
- The Starting plan is $50 for the first month, and after that, $99 per month.
- Its Growing plan is $149 per month.
- The Enterprise plan is $199 per month.
- The Yearly plan is available at $1200 annually.
You can also test drive the software with its free 30-day trial.
The #1 credit repair software with the industry’s top resources.
Whether you are just starting or you’ve been in the business for a while, DisputeBee got your back with all the tools you need to run a successful credit repair business.
Its cutting-edge software enables you to generate outstanding dispute letters that you can send to data collection agencies, credit bureaus, and lenders on behalf of your customers.
The credit repair software mainly works in a few simple steps as follows:
- Start by accessing and importing your client’s credit report into the DisputeBee system.
- Monitor the credit report for inaccurate information, such as erroneous collections, credit inquiries, bankruptcies, and late payments.
- Automatically generate your dispute letters and mail them to the major credit bureaus.
- Track the progress. After sending the dispute letters to the bureau, you must wait for them to respond. In the meantime, DisputeBee will keep on generating response letters until you resolve the dispute.
- The process ends when the bureaus delete the items in question from the client’s credit report.
On top of helping you to dispute incorrect credit report entries, DisputeBee provides you with educational information on how to keep your credit business healthy and how the credit works.
Its intuitive dashboard helps you track multiple dispute items and replies from all three bureaus and the creditor. It enables you to stay organized and focused.
DisputeBee is best for individuals and businesses seeking easy-to-use credit repair software solutions.
- Dozens of Pre-written Dispute Letter Templates – They let you generate and send your dispute letters in minutes.
- Intelligent Letter Suggester – Suggest the best letters to use for the dispute.
- It Supports All Three Major Credit Bureaus – Equifax, TransUnion, and Experian.
- Credit Report Importation – The software allows you to import the client’s credit report to generate credit audits.
- Dispute Process Tracker – Keeps you informed about the progress of your disputed credit reports.
- Educational Materials – The materials teach you how to maintain a healthy credit business.
- Unlimited Team Members – Its business plan allows you to add to your software unlimited team members.
- Letter Bulk Printing – Helps save time and money.
- Client Portal – You can create client portals and allow clients to log in and check their credit repair progress.
- Integrations – DisputeBee integrates with Zapier, E-contract, and client billing.
- The Individual plan is $39 per month.
- Its Business plan is available at $99 per month.
The leading all-in-one platform for handling multiple clients instantly.
DisputeFox has more to offer than just being a dispute software. It features customizable notifications and workflows, email marketing, customer CRM, affiliate portals, and automated client billing, to mention but a few.
With this credit repair software, you can manage hundreds of clients at a go while importing their credit reports into the DisputeFox system. It also allows you to develop custom workflows for automatic client onboarding, updates, follow-ups, and marketing tips.
Once you have scanned and identified all the issues in the client’s credit reports, the software compiles the disputable items and transfers them into an easy-to-read table. It makes it easy for you to make further changes to the document before printing.
The good thing is that DisputeFox keeps track of the entire dispute process and automatically provides your clients with timely updates. Your clients can easily log into their portal anytime to check their credit repair progress, send messages, and upload documents.
The credit repair software is best for businesses looking for an all-in-one platform for all their credit repair operations.
- Built-in SMS and Phone Dialer – Makes client communication easy.
- AutoFox Workflows – The custom workflows make automating follow-ups, client onboarding, updates, and marketing drip easy.
- Live Updates Dashboard – Keeps you informed by tracking messages, alerts, and notifications.
- Dispute Letter Library – Lets you access pre-loaded dispute letters to save time. You can also use your custom ones.
- One-Click Report Import – With a single click, you can import credit reports into the DisputeFox system, saving a lot of money and time.
- Fully Customizable and Branded Affiliate and Client Portals – Clients can log into the portal to check the progress of their credit repair process.
- Advanced Web Forms – Gives you access to custom web forms for onboarding clients.
- Tasks, Notes, and Reminders – The centralized system updates you about the client’s progress. It also features a floating note taker that records all your notes when working on a file.
- Flexible Client Billing – The DisputeFox setup enables pay-per-delete invoicing or recurring weekly and monthly billing.
- Pre-loaded Dispute Instructions Library – You can also develop and add your custom-made list.
- Pre-loaded Creditors Library – Gives you access to hundreds of pre-loaded creditors. You can still develop your custom list.
- The Starting package is $129 per month.
- The Growing package is available at $379 per month.
- Its Scaling package is $499 per month.
You can save on yearly packages to get the most out of your money.
Best credit repair platform for increasing credit scores quickly and easily.
You no longer have to develop different accounts with every credit bureau to dispute inaccurate information in your credit reports. Credit Versio brings Experian, TransUnion, and Equifax to you in a single platform. It automatically imports credit reports from the three bureaus without generating a hard inquiry.
The software further helps you delete issues from your credit reports, such as late payments, foreclosures, bankruptcy, repossessions, charge-offs, and judgments, to mention a few.
Through its brilliant artificial intelligence, you get to know the specific accounts hurting your credit score. The AI then helps you generate potent disputes to eliminate them. What’s more intriguing is that there is no limit to the number of accounts you can dispute.
Credit Versio works in three simple steps. First, you should import credit reports from the three credit bureaus and find the negative accounts. Its brilliant AI helps you identify the most effective dispute strategies to achieve permanent deletion.
Finally, Credit Versio keeps track of all your disputes and sends you a monthly progress report showing the deleted accounts and your new credit scores. Generally, it gives you regular updates concerning your credit repair and credit score.
Credit Versio is best for individuals who want to avoid the costly services of a credit repair company.
- Professional Letters – The software features a letter generator that enables you to generate compelling disputes, depending on consumer protection laws.
- Result Tracking – Each month, Credit Versio imports new credit reports from the bureaus to update you on the deleted accounts and recent credit scores. If none of the charges is deleted, the software suggests another strategy for added disputes.
- Smart Import – The software automatically transfers three bureau credit reports into the system.
- Powerful Artificial Intelligence – Helps you identify those accounts affecting your credit and develops compelling disputes to fix them.
- Unlimited Disputes – You can manage, dispute, and track as many accounts as you wish.
- Video Coaching Courses – They equip you with all the information you need to handle your credit business.
- Its smartcredit Basic plan is $19.95 per month.
- The smartcredit Premium plan is $24.95 per month.
- The Identity plan is available at $29.99 per month
Best credit repair software for increasing business revenues.
Whether you are still contemplating starting your credit repair business or need new ways to grow your clientele base and raise existing business revenues, ScoreCEO got the best solutions for you.
The all-inclusive credit repair business software has the best tools for dispute processes, sales, invoicing, marketing, analytics, and coaching services. It streamlines your credit repair business processes and workflows, giving you more time to focus on attracting new customers.
This platform does not need software upgrades or deal with integration issues and multiple vendors. All you do is sign in, create your account, and you are good to go.
You can access all aspects of your business through your business portal, from your dispute process management to marketing and sales pipeline management.
What is best about ScoreCEO is the fact that it is fully scalable. The software walks and grows with your business every step of the way, from one single user to unlimited users.
ScoreCEO is best suited for entrepreneurs running their credit repair businesses and companies and needs software to improve workflows and streamline processes.
- Advanced Analytics Dashboard – Let you track website traffic, account receivables, pending disputes, tasks, and lost sales on a single page.
- Customizable and Automated Client Workflows – It allows you to manage all leads the same way.
- Automated Sales Pipelines – The features enable you to manage your clients and leads effectively, leaving more time for other business matters.
- Powerful Social Media Marketing System – You can post about your credit repair business on social media platforms like Facebook and Twitter to drive leads, users, customers, and affiliates to your ScoreCEO.
- Advanced Dispute Engine – You can do your dispute process in-house or outsource it to a different company. ScoreCEO Supports regulatory disputes, Credit Reporting Agencies, and Direct to the Creditor.
- State-of-the-art Contract Compliance Engine – ScoreCEO contract compliance engine automatically helps you identify the correct contract to use if you plan to repair credit in several states.
- Free Learning Materials – The professional credit repair software offers free tutorials and other resources to help you easily navigate its tools.
- Multiple Templates – It lets you create emails and dispute letters quickly.
- Fully Scalable – You can grow with it from a single user to numerous users.
- Automated Billing Engine – Supports three payment modes; pay per delete, monthly, and hybrid.
- Integrated Active Tracking – The platform features alerts that notify you when to self-regulate and handle issues as they arise.
- Google Analytics Integration – Helps you to know the source of your traffic.
- ScoreCEO has a free plan at absolutely no cost.
- The KickStart plan is $129 per month.
- Its Essential package is $179 per month.
- The Advanced plan stands at $299 per month.
The most cost-effective credit repair software for individual and professional use.
Credit Detailer is a single computer download software that provides all the information and tools needed to rectify erroneous credit report details. The credit repair platform enables credit repair professionals to handle multiple clients and quickly prepare their paperwork.
Unlike other cloud-based solutions, Credit Detailer stores all your clients’ information on your computer, limiting control and access. The platform gives you access to educational resources, letter templates, progress tracking, and much more.
Its professional version has additional tools for invoicing, marketing, and automated backup, to mention but a few. Credit Detailer further provides add-on services like technical support, credit coaching, and additional licenses.
What makes this credit software stand out more is its bilingual feature. It allows you to offer contracts to clients in either English or Spanish. You may even decide to set screen captions for every user in English or Spanish.
Credit Detailer is best for DIY credit repair and business owners looking for a quick way to handle multiple clients.
- Unlimited Clients – You can help as many clients as you can.
- Bilingual Support – The feature allows you to use either English or Spanish.
- Automatic Progress Tracking – Enables you and the creditors to operate within the legal response times.
- Letter Auto-population – Lets you avoid repeated typing.
- Simple Status Screen – It makes it easy to navigate through the screen.
- Instant Setup – All you need to do is download and install it on your desktop, and you are good to go.
- Complete Education Suite – The software provides all the learning resources you need to operate your credit repair business.
- Secured Data – All the data is stored on your PC, reducing cyber security.
- Unlimited Number of Disputes – You dispute every inaccurate account on your report, including late payments, repossessions, bankruptcy, and collections.
- Automated Letter Printing – You can automate your letter printing with one click.
- Automated Backup – Ensures you do not lose your files.
- Follow-up Reminders – Keeps you informed about your tasks.
- Credit Detailer offers a one-time payment for a lifetime license. Its discounted Business Version currently goes for $399.
Best software for learning more about the credit repair business.
If you are looking for a way to learn more about credit repair and handle the dispute process yourself, you may consider choosing Credit Repair Magic. The software offers sample dispute templates to guide you in writing your dispute letters.
Besides, it provides multiple spreadsheets and PDFs with detailed explanations about the dispute process and how to track it. Since the entire process is self-guided, it is possible to use the tool with your family and friends.
Generally, Credit Repair Magic is simple and fast to use compared to most other credit repair programs and companies. The time it may take to see notable results depends on the number of disputed items and other factors beyond your control.
This credit software is best for individuals or families who can go through the dispute process themselves.
- Automatic Computerized Follow-up – It makes it easy to follow up on the disputed items.
- Sample Dispute Templates – The templates self-direct you to write your dispute letters.
- Automated Dispute Tracker – The system keeps you on track and focused. It is tailored to meet your needs.
- Reference Guide – Gives you all the answers to your credit repair questions.
- Seven Shortcuts – They help speed up the process and get quick results.
- Fast and Easy to Use – The platform provides a step-by-step guide to help you complete your dispute process fast and efficiently.
- Free and Continuous System Update – Helps enhance accuracy. The free upgrades are available for life.
- Multi-device Support – You can use any device to access this credit software, including a mobile phone, computer, and tablet.
- Lifetime Access – Gives you a money-back guarantee.
- No Additional Charges – Your family and friends can use the Credit Repair Magic at no extra charge.
- Bad Credit Eliminator – Credit Repair Magic effectively restores your credit score.
- Multi-media Training Materials – The platform offers free audio and videos to shorten your learning curve.
- Money-back Guarantee – After purchasing the program, you have 60 days to review it. If it doesn’t perform as stipulated, you can request and receive a 100% refund of your money.
- Credit Repair Magic goes for $97.
Best credit repair software for credit and finance businesses.
Since its founding in 2003, Smartcredit has been helping millions of Americans raise their credit scores and, most importantly, finances. The platform provides in-depth information and simple charts to help you track your credit scores efficiently and effectively.
Its ScoreBuilder develops a personalized 120-day plan to enable you to identify what is hurting your credit score and generate a perfect strategy to improve it. You can note down all the negative accounts that weigh you down and launch a dispute to resolve them.
What makes this credit software stand out more is its ScoreBoost feature. This tool tells you the perfect time to apply for a mortgage, auto loan, credit card, or other forms of borrowing. It also lets you determine the amount you need to pay and view how the payments can improve your credit score.
Besides, Smartcredit actively monitors your credit report and cards to detect fraud and notify you of any changes to your credit score. And by checking your history, you better understand how the scores have changed over time.
When it comes to privacy and security, Smartcredit features a PrivacyMaster that blocks data brokers and other websites from selling or sharing your personal information.
Additionally, the credit software provides $1 million in identity fraud insurance to cover your entire family. But you need to activate it to be effective.
Smartcredit is best for individuals planning to get a new loan or mortgage soon as it boosts their credit score faster.
- Transaction Monitoring Alerts – Uses action buttons to verify all the transactions and identify theft.
- Daily Updates – You receive updates every 24 hours about your trends, transactions, and instant statements.
- PrivacyMaster – Keeps your personal information safe from data brokers and websites.
- Regular Alerts – Their action button lets you know and react to identity theft.
- $1 Million Fraud Insurance – It’s zero deductible and covers the entire family, credit reports, savings, and more.
- Credit Monitoring – Helps you to track all your financial and credit transactions as well as credit reports. It acts like insurance against identity theft.
- Action Buttons – Provides an easy and effective way to dispute inaccurate credit reports.
- Different Scores – The platform lets you view the various types of scores available in your portal and your current standing.
- Track Spending – The feature helps you learn how to balance spending among accounts and the ultimate time to repay.
- Integration with Top Financial Institutions – Smartcredit has action buttons that can connect you to more than 50,000 banks and other top financial and money lending institutions. It includes Bank of America, US Bank, and Meridian Mortgage, among others.
- The Smartcredit Basic plan goes for $19.95/month.
- Its Premium plan is $27.95/month.
The best do-it-yourself credit repair tool for individuals.
Personal Credit Repair Software is a cloud-based personal credit builder software that extracts derogatory items from your credit reports in seconds. The software then automatically generates dispute letters, assigns types, and disputes reasons.
In fact, it can take you only 10 seconds to prepare and dispute all the negative, erroneous accounts in your credit reports. These include bankruptcies, closed accounts, tax liens, late payments, inquiries, and settlements.
Besides, the software is packed with uniquely-designed templates to help you dispute any type of item. If you make maximum use of your software, you can improve your credit score by nearly 100 points. A few users have noted a 130-point rise in six months.
To complete your credit repair process using this software, you need to adhere to these five steps:
- Purchase your Personal Credit Repair Software.
- Visit compatible credit bureaus to get your credit reports.
- Import all your three credit reports in a single click.
- Identify all inaccurate accounts and generate dispute letters automatically.
- Dispute all the negative-erroneous items and get the opportunity to increase your credit score by more than 100 points.
Apart from disputing inaccurate credit reports, your Personal Credit Software also provides you with over 100 tips on various aspects, such as how to reduce your mortgage payment or home loan.
Personal Credit Software is best for individuals, Real Estate Agents, Mortgage Professionals, and other financial professionals who want to sell it to their clients to enable them to fix their credits themselves.
- Dispute Templates – They help you create letters faster to dispute all kinds of items.
- Seamless Compatibility – The software is compatible with Androids, tablets, Macs, and iOS. It is best to use the Chrome browser.
- Professionally-drafted Learning Materials – Keeps you learning how to handle different aspects of your credit life and business. For instance, the software provides tips on how to improve your credit score.
- Automatic Dispute Tracker – Helps you to follow up on your disputed items.
- Powerful Tools – They help you access leases, credit cards, mortgages, and loans.
- Easy-to-use Dashboard – You don’t need prior experience.
- Personal Credit Software is currently on a limited-time offer of $199.97 one-time payment.
Credit repair software is a tool that extracts data from your credit reports offered by Experian, Equifax, and TransUnion. It allows you to track various accounts, identify errors, and generate dispute letters to send to the bureaus and creditors.
Generally, the software enables you to clean up your entire credit profile, have all the inaccurate information removed, and improve your credit score. It is also a perfect choice for credit repair organizations as it helps them organize their workloads and clients.
When choosing the best credit repair software, consider the following factors:
Some credit repair software options are best suited for individuals, others for businesses, and a few for both. Even if a company provides software packages for individuals and businesses, one package may be better than the other. Know how you plan to use the credit software and choose the one that is best suited for that service type.
While you may want a cost-effective option, don’t overlook the value of the credit repair software. Check if the software’s main capabilities and features can support your business from launching to growth and link the value to its price.
Some credit software options have straightforward pricing, while others have complicated pricing, like add-on services and multiple subscriptions. While it allows for software package customization, these additional fees add to your overall costs.
It depends on whether you want do-it-yourself software or need a click-and-done solution.
Suppose you choose credit repair software that doesn’t integrate with credit report providers and bureaus. In that case, you will need to feed in the information manually. Besides, you need to have a better understanding of the dispute process.
But if you choose a credit software that integrates with credit reports, you can find customer information and generate dispute letters quickly. This will save you time and enable you to handle more clients daily.
If you run a credit repair business, it would be best to confirm the number of clients the software supports before purchasing. Know if the software can grow and expand with you as your list of customers increases. Those offering unlimited clients or rising maximum client counts would be the best for your business growth.
You may consider a credit repair software that offers credit coaching services. It will enable you to utilize the software of choice to its maximum potential and capabilities. The best credit repair companies should offer coaching services as well as other educational resources.
Check what the credit repair software can do best. Examine the overall features of every software option to identify what and who it is best for.
The best credit repair software makes your credit disputing process much faster and simpler. You will no longer need to tangle with your creditors and credit bureaus for long before they can fix your credit reports.
Whether you need a software package for an individual or business, ensure you evaluate all the capabilities and features of the credit repair services and not only the price. It will enable you to know if the product perfectly suits your needs.
If you are an entrepreneur in the credit repair industry and still wondering which software to choose, I recommend you try Credit Repair Cloud.
It has all the features you need to grow your business, including KPI metrics, credit dispute automation, custom workflows, and online client signature capture, to mention but a few. Besides, you don’t need any prior experience to use it as it provides step-by-step training resources.
On the other hand, if you need free credit repair software that can help you improve your credit score faster, it will be best to consider Experian. It offers instant FICO score boost, and 24/7 credit monitoring, among other benefits.