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.
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!
Price – $179 per month
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:
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.
Price – Free
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
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.
Price – $199.97 – $400 per month
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
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
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!
Price – a one-time fee of $749
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!
Price – Free
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!
Price – $97 per month
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.
Price – Free
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.
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 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.
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.
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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.