The 10 Best Credit Repair Software of 2022

best credit repair software
Published by: Ricky Ingram
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Millions of Americans struggle with their credit scores. The best credit repair software can provide you with the resources to help you in the process. Credit is not an easy topic to navigate, and making small mistakes can drastically hurt your score. When it comes to the importance of keeping a high score, most people are willing to take the necessary steps in order to reach this goal. Prioritize your financial health, so you do not fall under the same category of the millions that are unable to utilize their credit.

Credit repair software is an online credit repair tool designed to settle existing disputes on your credit report. The average person would typically struggle to find inaccurate information to then contact major credit bureaus to get remarks removed. This takes a lot of hard work and dedication.

In today’s society, we have the technology that has the ability to benefit us in this exact scenario. Bots are able to scan our documents to identify remarks that consumers never fully consented to. After that, they can remove them by contacting credit bureaus in a proper way. Credit repair programs are underrated when they can truly help so many individuals.

The Best Credit Repair Software of 2022

Choosing a credit repair business software takes a lot of time and effort if you are doing the research yourself. Lucky for you, we have happily created a list of our favorite personal credit repair software so that you can stay informed and make the right decision for your needs.

Take your time to look at each software and understand its pros and cons. You must choose a product that is specifically tailored to your needs since they are all different. The following list contains the best personal credit repair software. Since they are all approved by our team, you will not go wrong choosing any of them!

  • Credit Repair Cloud: Best Overall
  • Experian Boost: Best for combining products and services
  • DisputeBee: Best for disputes
  • Personal Credit Builder: Best for customized letters and templates
  • ScoreCeo: Best for small businesses
  • Turnscor: Best educational resources
  • Credit Detailer: Best automated services
  • Turbo Score Home: Best for multiple clients
  • Credit Repair Magic: Best up to date software
  • Credit Coach: Best for progress tracking

Credit Repair Cloud

Credit Repair cloud

Price – $179 per month

  • Six different products/product combinations to choose from
  • Easy to use software to help scale a business
  • Exclusive awards clubs to encourage you to be the best
  • Many testimonials from past happy clients
  • Guides you through the credit repair process from start to finish
  • User-friendly interface and easy to use
  • Free resources are available to all consumers who purchase the package
  • Free trial for 30 days
  • High price point

This DIY credit repair software is full of available resources to help you boost your credit. They have six main products used to assist their clients:

  1. A gathering of free content such as strategies, tips, tricks, growth tactics, and more.
  2. A playbook of growth strategies for running and growing a credit repair business.
  3. A 14-day experience where they personally guide you through forming the foundation of a successful repair business.
  4. The actual credit repair software for businesses that assists in launching your own successful start of your business.
  5. A six-month masterclass where they provide and teach all of the fine-tuning and details that may have been skipped over previously.
  6. An expo conference is hosted every year by entrepreneurs around the country who have become experts on the topic.

A combination of these products can take you and your business to the very top quickly, putting you steps ahead of the rest. Do not miss the opportunity to scale.

Experian Boost

Experian Boost

Price – Free

  • No charge for use of services
  • Multiple different products/product combinations to choose from
  • Easy to use software to help scale a business
  • Free resources available to all consumers who purchase the package
  • Many testimonials from past happy clients
  • The credit monitoring service to identify negative remarks immediately
  • No program guiding you through the process

Experian Boost is arguably the best free credit repair software. Without the steep price that many other credit fixing programs have, it still comes with the material and resources that really matter. There are so many services offered on Experience Boost, and most consumers tend to benefit from a combination of them all. They, of course, handle disputes so that you no longer need to deal with writing dispute letters.

Additionally, they also offer services such as credit monitoring, fraud alert, security freeze, and more. With all of these services, you will be able to identify inaccurate remarks as soon as they happen. When identified early, they are easier to dispute. They also will go the extra mile to freeze your accounts to make sure further suspicious activity does not occur.

Lastly, they offer methods to protect your identity and prevent theft. On top of all of their services, they are filled to the brim with free resources and for consumers to check out to be their own do-it-yourself credit repair software. Try out Experian Boost if you are on a budget.



Price – $30 – $99 per month

  • The best software that specializes in disputes specifically
  • Unlimited amount of team members for a business package
  • Progress tracking software
  • Easy to use software to help scale a business
  • Multiple different products/combinations to choose from
  • No educational credit resources are available yet
  • No free trial

DisputeBee is one of the best options for credit repair for individuals and businesses. There are two pricing options. The $39 plan is for your own credit. It allows you to import your credit report and DisputeBee will make personal disputes to all three major credit bureaus and collectors. These letters will be a pre-written template and they will track the dispute process as it happens. Consumers are able to request disputes for discrepancies including collections, credit inquiries, late payments, bankruptcies, and more. They do not have credit resources available yet, but they are coming soon!

The business package at $99 allows your company to add an unlimited number of team members, unlimited clientele, create more advanced dispute strategies, bulk letter printing, custom letter templates and sequences, E-contract integration, and more.

They also have a client portal for all of your customers. The portal gives customers the ability to see their bills and take action by themselves without needing a representative from the company. The process for both of these packages is very user-friendly. There are three main steps.

  1. The first is to import a credit report.
  2. Secondly, automatically generate dispute letters.
  3. And lastly, track your progress.

Personal Credit Builder

Personal Credit Builder

Price – $199.97 – $400 per month

  • Customized dispute letters and templates
  • Automatic removal of negative remarks
  • Included loan amortization center
  • User-friendly
  • Only two products
  • No free trial

There are many products offered by Personal Credit Builder. They have automatic extraction of disputes where they remove all derogatory remarks from your credit report. It will then automatically assign dispute letters to use depending on the type of negative remark they are working towards extraction. Dispute letters need to be tailored to each problem they are fixing.

It is sometimes difficult to use letters found on the internet when you are not sure if they fit the remark you are currently dealing with. Personal Credit Builder takes this worry away and creates customized letters. They will then send you the letter and leave the easy work up to you! All you need to do is mail the letter to the major credit bureaus. On top of their dispute service, they come with an integrated loan amortization center to calculate unlimited loan amortization scenarios. This can be for any purpose so that you are able to understand your expenses and typical expense ratios. The software is fast, secure, and easy to use! It is definitely one of the best credit dispute software out there.



Price – $129 – $299 per month

  • Analytics and Sales Workflow Pipeline Engines
  • Comes with marketing material for your business
  • Easy to use software to help scale a business
  • Multiple different products to choose from
  • Higher price point
  • A limited number of company users allowed
  • No educational credit resources are available yet

ScoreCEO is one of the best credit repair software for businesses. It is an all-in-one solution for all sorts of credit-related needs. The cheapest package at $129 includes a customer portal so that your clients are able to complete actions on their own time. It also has an analytics and sales workflow pipeline engine for frequent checks. There will also be marketing and contract selection automation along with report import, dispute letters, and compliance engines. The package allows for two company users and 50 customers with 2 GB of storage.

The most expensive option at $299 per month has even more services and features for you to try out. This package allows for 10 company users, 800 customers, and 20 GB of storage. It also gives you access to voice, email, and chat support in case of any technical difficulties. It also has a free trial that does not require a credit card to sign up. This way you can utilize the software without risking anything, and you can truly see for yourself if it satisfies your needs. This software can really help you establish your credit repair business.



Price – a one-time fee of $495

  • You only need to pay a one-time fee
  • Access to free educational resources
  • Many testimonials from past happy clients
  • The higher price point for a one-time fee
  • No free trial

Turnscor is another company that can be called the best credit repair software for professionals. They offer a variety of resources for their customers and have a plethora of happy reviews from current and past customers.

Like many other credit repair companies, they specialize in disputing negative remarks on your credit report. They also provide educational assets that their customers can use to improve their credit on their own.

The company goes through multiple steps to dispute inaccurate information that could potentially be hurting your credit. They first identify the statement remarks that should not be there. After, they create tailored letters challenging the particular items that are to be removed. Once that is completed, your information and credit scores should once again be up to date!

The company only has a one-time fee instead of monthly payments. This is helpful for many who want access to the services for a long time. For those that need the services temporarily, the price might be a bit steep. It is up to you to decide. Turnscor has many happy customers ready to vouch for them on their website if you take a look!

Credit Detailer

Credit Detailer

Price – a one-time fee of $749

  • Only a one-time fee
  • Everything is automated
  • User-friendly interface for new customers
  • Higher price point even for a one-time fee
  • Lack of educational resources about credit building

The Credit Detailer really lets you sit back and relax. Because it is a completely automated service, you basically do not need to do anything besides sign up for the account at the beginning and enter all of your personal information. After that, it will automatically complete checks and monitor your credit for you.

You will not need to worry about anything after that. If a third party attempts to make an inquiry without your consent, the Credit Detailer will see that immediately and dispute it with the major credit bureaus. This specific software is purchased with a one-time fee. The fee is a steep price, but you will have access to its services for life. Depending on what you need to use it for, it could definitely be worth it for you.

There is, fortunately, a seven-day free trial so that you can test out the Credit Detailer yourself. This way you are able to see all of its functions and play with the software before you fully commit to making the one-time purchase. Check out your free trial to see if you like it!

Turbo Score Home

Turbo Score Home

Price – Free

  • Reputable company
  • Access to educational resources about credit building
  • User-friendly interface for new customers
  • It is a free service
  • Is not automated, so you will do most of the work

Turbo Score Home uses its services to benefit you in the long run. This software uses your credit score and verified income to help tackle debt, save smarter, and realize your goals. If you are looking for a credit repair company that also plans for the future, Turbo Score Home may be the best solution for you.

The company shows you all of the different ways that you could improve your score. It completes a scan of your credit report and goes over each area that it feels you are lacking in. The best part about all of this is that Turbo Score Home is completely free of charge. You will not need to pay a dime to get access to their services. You also do not have to worry about them sacrificing their quality. Many customers have left great reviews, and you could be one of them!

Credit Repair Magic

credit repair magic software

Price – $97 per month

  • Easy to use interface for people of all skill levels
  • Ability to share services with family and friends
  • Upgraded multiple times a year
  • 90 day money back guarantee
  • Step-by-step guide though the whole process
  • This software is not automated
  • No analytical information provided

Credit Repair Magic is a unique software that is unlike the others. It uses an easy to follow, step-by-step program to guide you through the process. Even if you do not know anything about credit repair, you will be able to understand this software’s process because of its user friendliness. The system is updated frequently for continuous accuracy. The updates occur multiple times a year, so you will never be outdated.

As easy as it is, this is not an automated software. Rather, it will hold your hand throughout the whole credit repair process. The website claims that it can increase your chances of a successful dispute by 30-40 percent! The price also allows you to share the benefits of this program with your family and friends. There is no extra charge. To top it all off, this software has a money back guarantee. If you are not satisfied with the product within 90 days, you are entitled to get a full refund.

Credit Coach

Price – Free

  • Progress tracking software for case status
  • Specializes in disputes
  • Offers educational resources about credit building
  • Services are free of charge
  • No analytical information provided

Credit Coach is another free option available. This credit repair service is amazing at such a low cost. They offer personalized dispute options that fit your exact credit repair needs. They also provide you with an experienced case analyst and case advisor working personally with you throughout the process. During the dispute process, custom dispute letters will be submitted on your behalf and you will have access to your case status and updated information at all times.

There are not many companies that offer real-time updates regarding the status of your case. Their website is easy to use and they have plenty of articles that you can read. They are related to keeping a healthy and happy credit score. Their website is also full of happy testimonials from past clientele, so you can be sure you are in good hands. This option is definitely one of the best credit repair software with no monthly fee.

What Does Credit Repair Software Do?

Credit repair software is a way for consumers to get assistance in fixing their low credit scores. It is a tricky area to navigate by yourself, so it is sometimes necessary to turn to professionals. This software use coding to scan an existing credit statement and recognize negative remarks on the report. These could be late payments, hard inquiries, or anything that would make a credit score lower.

The software then creates automatic letters that are customized based on the type of error found. The letters are sent to the three major credit bureaus with hopes to be challenged or disputed. In most cases, these remarks can be removed if there is no evidence that they are rightfully there. This process would be extremely difficult to do without the technology that credit repair software has.

Choosing the Right Credit Repair Software for You

Choosing the right credit repair software needs to be a thoughtful process. Now that all of the research is completed for you, you will need to decide what factors are most essential to you. Here is a list of steps you will need to follow in order to make this decision for yourself.

  • Decide what you want your budget to be: Everyone has a different budget for their needs. If this is simply a side project, you might want to consider trying out one of the free software services. If you are in extreme need to repair your credit, it might be worth looking into putting some money down for this particular cause. You decide.
  • Understand your credit report and what types of errors are most likely to exist: You know yourself best, so you should know your potential credit report best. If you are making a lot of applications, you may have lots of hard inquiries. If your social security number is out on the internet frequently, you might be more prone to hacking or identity theft. Figure out what services you are most in need of.
  • Do you want to complete actions yourself? Some of the credit repair companies do everything for you through automation. Others give you a little bit of grunt work that is not too difficult. Decide what you are comfortable doing and what your preferences are so you can lean towards the correct choice for your lifestyle.
  • Figure out if you need educational resources: Aside from the software, many of these companies provide extra resourceful materials for customers to learn about credit building on their own. If this is something you are interested in, you should definitely attempt to try out those specific services.

Summary: Best Credit Repair Software of 2022

Here is a summarized version of each credit repair software that we elaborated on in this article. Take the prices and special features into consideration when making a choice about which software you will want to try!

Software Pricing Free Trial Features
Credit Repair Cloud $179 per month Yes, for 30 days This service includes a lot of guidance for those who want to be walked through the process.
Experian boost Free It is already free This service is free and still has quality services.
DisputeBee $30 – $90 per month No The individual package is inexpensive and works wonders.
Personal Credit Builder $199.97 – $400 per month No This service specializes in disputing claims.
ScoreCEO $129 – $299 per month Yes, for 30 days This software has a great analytical side to see what is working and what is not.
Turnscore one-time fee of $495 No This service specializes in disputes but also gives access to educational resources.
Credit Detailer one-time fee of $749 Yes, for 7 days Everything is automated, so you do not need to do anything after signing up.
Turbo Score Home Free It is already free This software helps you plan for the future while fixing your credit.
Credit Repair Magic $97 per month No, but it has a 60-day money-back guarantee This software is a step-by-step program to fix your credit.
Credit Coach Free It is already free In addition to the software, the company provides real-time support if needed.

Keeping your credit healthy is one of the most important aspects of financial literacy. Using credit repair software can help you facilitate steps to doing so without having to put in the effort yourself. The software can really assist in doing things the average person cannot, so if your score has dropped for an unknown reason, it might be time to look into using one. Hopefully, this article provided the basis needed to make an informed decision!


Credit repair software is a tool used to fix any credit-related errors. The tool scans over credit reports to find negative remarks that shouldn’t be there. They will then create a letter template to send off to credit bureaus in order to dispute these remarks.

The best credit repair software depends on what exactly you are looking for. If you are looking to scale a business, we recommend the Credit Repair Cloud. It offers unique tools that no other credit repair companies offer. If you are looking for personal credit building, try out Experian. Its quality services are offered at an amazing price, which is hard to beat.

There are so many ways to repair your credit for free! You can utilize any of the free credit repair software that we listed in this article. You can also utilize the companies that offer free trials. Lastly, you can always attempt to do the hard work yourself and learn the tips and tricks to bring your credit back to life.

Ricky Ingram

Founder of Credit Repair Partner. I worked in the credit repair industry for about 10 years. I love, helping people become smarter about their credit and finances.

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