5 Best Credit Repair Software: Find the Perfect Fit for You

Make Money Online - Last Updated on February 13, 2024 by Jussi Hyvarinen

Best Credit Repair Software featured

Jussi Hyvärinen

I'm Jussi, with over 25 years of expertise, I help entrepreneurs navigate the online business world. My services include tailored recommendations, step-by-step tutorials, and insightful reviews to help steer your business aspirations. Please reach out if you need assistance with your online business plans or have any questions.

The best credit repair software will help you get back on track if your credit report has errors.

While there are legit credit repair companies, the field is also known for scams, so it is crucial to vet any service before spending money.

Take, for instance, the fact that the Federal Trade Commission warns against using a credit repair service that promises to get rid of negative information that's accurate or purports to help you create a brand new identity via a credit privacy number.

That, however, doesn't mean there aren't reliable credit repair companies that can fix reporting errors hurting your credit score.

What is the Best Credit Repair Software?

When comparing credit repair services, you'll want to look for one that's efficient, affordable, and has good customer service.

Here's a rundown of 5 highly-rated credit repair software you can turn to whether you run a credit repair business or you're looking to correct negative marks on your credit reports due to late payments

1. Credit Repair Cloud

Credit Repair Cloud

Credit Repair Cloud has our vote for the best credit repair software. With a promise to help "Start, Run, and Grow" your credit repair business, this platform is affordable, easy to use, and highly rated.

Speaking of ratings, Credit Repair Cloud boasts an impressive 4.9-star rating on TrustPilot after 1600+ reviews.

With so many people vouching for this tool, there's no doubt it offers the systems and strategies to help you level up and run a profitable credit repair business.

Key Highlights

First, the software sports an intuitive, redesigned, easy-to-navigate dashboard. Other standout features include:

CloudMail: This allows you to automatically print and mail letters to your clients with a click. Further, CloudMail lets you track every letter in real-time, saving you tons of time.

Excellent Automation: Enables you to automate 80% of the entire credit monitoring process. That way, you can churn credit reports for your clients faster.

Credit Repair Training: This allows you to make the most out of this credit repair software by providing detailed training on how the tool works. You'll also learn how to outsource the credit repair process.

3rd Party Integrations: Credit Repair Cloud can integrate with other 3rd party tools, including Zapier and Calendly, allowing you to automate the appointment scheduling process.


Credit Repair Cloud pricing

Credit Repair Cloud pricing is structured in four tiers as follows:

  • Start: $179 per month
  • Grow: $299 per month
  • Scale: $399 per month
  • Enterprise: $599 per month

You can test-drive Credit Repair Cloud by taking advantage of the 30-day unlimited use trial.

My Take

Credit Repair Cloud is an excellent platform for credit repair professionals.

The platform offers excellent features for entrepreneurs in the credit repair industry looking for a tool to help them improve their credit monitoring services.

It can also be a good fit for realtors, car sellers, financial counselors, and loan officers.

Try Credit Repair Cloud

2. ScoreCEO

ScoreCEO - Best Credit Repair Software

ScoreCEO is an all-in-one credit repair business software that includes processes, coaching services, receivables, analytics, sales, marketing, and more.

Leveraging the latest technology, ScoreCEO undertakes to help you drive your credit repair company to profitability while allowing you to scale as your operations expand.

Key Highlights

Marketed as one of the most innovative credit repair solutions, ScoreCEO packs features to help you improve your business processes and boost your bottom line.

Advanced Dispute Engine: This allows you to outsource the entire dispute process or do it in-house, depending on what works best for your business.

Advanced Analytics Dashboard: Enables you to manage your sales pipeline from lead to sale. You can track accounts receivable, lost sales, website traffic, unresolved disputes, and more on one page.

Automated Client Workflows: One of the most important aspects of running a credit repair business is managing the sales process. This function lets you stay on top of the lead generation process with automated workflows.

State Contract Compliance Engine: Are you operating multiple credit repair businesses in different states? This feature comes with pre-designed dispute letter templates and correct contracts to help you maintain compliance.

Other notable highlights include:

  • An automated billing engine.
  • Electronic document signature tracking.
  • Google Analytics integration.
  • Pre-built sales.
  • Marketing email campaigns. 


ScoreCEO pricing

ScoreCEO pricing is structured in three tiers as follows:

  • KickStart: $129 per month
  • Essential: $179 per month
  • Advanced: $299 per month

There's also a free package even though with limited features.

My Take

ScoreCEO is a good credit repair software for credit repair businesses looking for an all-in-one solution to handle their growing client portfolio.

The platform offers over 20 features, making it one of the market's most robust credit repair software programs. ScoreCEO aims to help increase efficiency and revenue in your credit repair company. 

Try ScoreCEO

3. DisputeSuite

DisputeSuite - Best Credit Repair Software

DisputeSuite positions itself as an affordable and powerful web-based software for professionals and credit repair businesses. 

Available in four continents, DisputeSuite seeks to revolutionize the credit repair industry by creating an enterprise software application. 

Key Highlights 

Dispute Automation: This allows you to generate dispute letters in seconds automatically. You can even create customized letters by selecting items directly from credit reports.  

Dispute Management: Enables you to efficiently manage and track your customer's dispute letters. Further, you can store the letters in a central database, allowing you to preview and print them at the click of a button.

Credit Reports Management: DisputeSuite uses a 3-in-1 credit report system to help you easily track and monitor your client's credit reports. The system color codes each report, making it easy for you to identify repaired, deleted, or negative items.

Web-based Delivery: Everything on DisputeSuite happens online. All you need to do is open your browser, log on, and you're good to go — no hardware, networks, or infrastructure. 

Financial-grade Security: This credit repair software uses the latest firewall protection, hacker monitoring, intrusion detection systems, and SSL encryption to keep your customer's data safe. 

DisputeSuite runs Q&A sessions on YouTube for educational and informational purposes. The sessions aim to help you make the most of the software. 


DisputeSuite pricing

DisputeSuite pricing is structured as follows:

  • Silver: $300
  • Gold: $500
  • Platinum: $800

My Take

DisputeSuite is a solid platform for credit repair organizations looking to streamline their operations and client management.

It is also a good option for businesses looking for cheap credit repair software. The platinum package, for instance, supports up to 10 users, far more than most platforms, and at a reasonable price. 

Try DisputeSuite

4. Credit Repair Magic

Credit Repair Magic

A product of McGrath and Associates, Credit Repair Magic was developed by the three major credit bureaus Equifax, TransUnion, and Experian. 

The platform has our vote if you're looking for personal credit repair software without leaving a hole in your budget. In fact, Credit Repair Magic is downloadable free of charge. 

Key Highlights 

Point-and-Click Simplicity: Credit Repair Magic is user-centric. The software uses a step-by-step, easy-to-follow that allows you to repair your own credit score in a breeze.

Regular Updates: The best credit repair software should guarantee the accuracy of credit scores. Credit Repair Magic is updated continuously to ensure the credit reports are accurate.

Fast Credit Repair: With this software, you don't have to wait for weeks for a bad credit score. The platform promises to help you repair your credit score in days. 

Value-packed Functionality: Credit Repair Magic provides audio and video educational resources to enhance the experience. Think of it as a DIY credit repair software that you can access anywhere via the free mobile app. 

Lifetime Support: Once you've chosen Credit Repair Magic to monitor your credit score, you can count on the platform's excellent customer service to answer and address your concerns for as long as you use the software. 


  • Credit Repair Magic is available for a one-time, flat fee of $97.

You also get eight bonus programs worth $321

My Take

Credit Repair Magic is one of the best credit repair software solutions if you're on a tight budget.

While the software is relatively cheap, it has well-thought-out features and capabilities to fix credit errors that rival most credit repair services. Of course, the lifetime support makes this software an even more attractive option.

5. Experian Boost

Experian - Best Credit Repair Software

Experian Boost is a free product designed by Experian, one of the major credit bureaus.

To use Boost, you must allow the software to scan your bank account transactions to identify cell phone, utility, and streaming payments. The info will then appear on the Experian Boost credit report and can be used to calculate specific credit scores. 

Key Highlights

Payment History Calculation: Boost calculates positive payment history only. That way, missed or late payments will not hurt your credit score.

Free Membership Sign-up: As stated, Experian Boost is available for free. All you need to do is to create an account on Experian's official website and connect it to your online bank accounts. 

Seamless Credit Score Checks: When a lender requests your credit score, Boost allows them to pull your credit score or view your credit report from all the three credit bureaus, TransUnion, Equifax, and Experian.

World-Class Encryption: Experian Boost uses world-class encryption to ensure your client's data is secure. The tool doesn't store your customer's credentials.

Moreover, you can also add bills you pay using your credit card to Boost. You'll then leverage these payments to add depth to your credit report.


Experian Boost is free credit repair software. Simply sign-up for an account on Experian's website to get started.

My Take

Experian Boost is an excellent credit repair software for people with utility bills or streaming services on autopay with a credit card. 

According to the company's management, "There are a lot of consumers who pay those bills with credit to get rewards points, so we enhanced Experian Boost to cover those different accounts." 

How Does Credit Repair Software Work?

To initiate the credit repair process, you'll need to dispute the debt you owe, like the credit card debt. The best place to start is to contact your creditors to negotiate.

Of course, all creditors aren't the same — some will be harder to deal with, making the entire personal credit repair process laborious and time-consuming.

You may need to send a couple of dispute letters to credit bureaus to explain and challenge the fictitious credit reports. If you're trying to repair bad credit for the first time, you can find dispute letter templates online to see how one looks.

The repair process can be lengthy and tiring, forcing you to go back and forth between credit bureaus and debt collectors — and that is where credit repair software comes in.

Credit repair software pulls data from your credit report as provided by three credit bureaus — TransUnion, Experian, and Equifax.

While you can use a credit repair company with brick-and-mortar offices, credit software is typically more convenient and affordable.

It is crucial to mention that, just like a for-profit credit repair business, no personal credit repair software can guarantee specific results. That's because each credit bureau decides what to remove from your credit history.

The credit bureaus act on the info you provide to determine bad credit, such as late payments or charge-offs.

A credit repair software program abides by the credit repair organizations act to ensure that your credit report is up-to-date and accurate.

While the law states that items on your report should be accurate, a credit bureau or creditor isn't required to remove negative information from your credit file if it is incorrect.

It is important to note that there are limits that credit software or credit software or company can go to correct bad credit. 

Suppose a credit repair software program cannot correct your report. In that case, you may consider negotiating with your creditor or hiring a credit repair lawyer to try and persuade them to delete negative items from your report.

How to Choose the Best Credit Repair Software?

All credit repair software programs aren't the same. 

So, whether you're running your own credit repair company or are looking for personal credit builder software, you must ensure you're making the right choice. 

Here's what to remember when choosing between the many credit repair software for small business options.


You don't have to burn through your budget to get good credit software. 

Credit Repair Cloud, for instance, goes for $179 per month for a low-tier package. The best part? The package supports up to three users. 

With such reasonable pricing and user support, Credit Repair Cloud is a great option if you're just starting your own credit repair company on a shoestring budget.

The point is that credit software should allow scalability and operational expansion without hurting your budget.

Some credit repair pricing rules of thumb include:

  • You shouldn't spend more than $60 for each team member. That way, it becomes easier to grow your business quickly and save money while maximizing the number of users.
  • Make sure you're getting unlimited storage 
  • Leverage the free trial, so you can have a first-hand experience of how the software works before spending your money 

Automated Dispute Process 

One of the reasons people opt for a credit repair professional is to avoid the back and forth with credit bureaus.

As your business grows, so will the number of clients you're dealing with monthly. You'll, therefore, want credit repair software that allows you to do the following. 

  • Run credit audit for your customers in seconds 
  • Run unlimited disputes in a few clicks
  • Import credit reports and generate credit audits quickly 
  • Run monthly client follow-ups in five minutes or less 
  • Stay up to date with your client's credit score status via API integration 

API Integrations 

If you store your customer's details in Customer Relationship Management (CRM) software, you'll want credit repair business software with API for the following integrations:

  • Lead generation software 
  • CRM software 
  • Bookkeeping software 

The idea is to get a solution that supports your current and future needs.

Automatic Updates 

Choose credit repair software that offers automatic credit score updates. If you operate a credit repair business, this will help you stay on top of your client's credit status. If you're after correcting your own credit, automatic and regular updates enable you to pick out negative reports before they can harm your score, making credit monitoring easier.

Tools to Support Growth 

Professional credit repair software should grow with your business. 

The solution must offer tools to support your expanding operations, allow you to add more members with affordable user pricing, and provide educational resources. On top of that, it should have an easy-to-navigate user interface to simplify training.

On top of that, you'll also need to read several individual reviews to know what to expect with the software you want to use. 

Credit Repair Software Frequently Asked Questions (FAQs)

As we come close to the end of this top credit repair software roundup, let's go over a few frequently asked questions regarding the subject.

How much is the software for credit repair?

Indeed, there are many credit repair solutions on the market with different pricing structures.

The amount you can spend on particular software primarily depends on your budget. Still, it is crucial to consider the solution's features and functionalities before spending money.

For instance, if you're looking for professional credit repair software to help streamline operations in your business, you'll want a solution with premium features like unlimited disputes.

On top of that, you'll want to see if the software can generate dispute letters in the format and template required by banks, collection agencies, and credit bureaus.

Simply look for credit repair software with enough features to offer value for your money.

Speaking of value for your money, Credit Repair Cloud is one of the most reasonably priced options and with enough functionalities to handle most needs.

Can I fix my own credit?

You can do everything credit repair services do on your own, including removing wrong info to correct your credit scores.

And you don't even have to spend a dime.

Still, it is crucial to note that credit repair can be an exhausting experience involving months of negotiating with credit bureaus to correct your information.

While there are no shortcuts to repairing credit, you can take certain actions to improve your credit and, most importantly, ensure that your credit report is correct.

First, understand the factors affecting your scores. These are:

  • Your payment history
  • Credit usage
  • Credit mix
  • Recent application
  • Your accounts age

You'll also want to look for derogatory marks negatively affecting your scores, including:

  • Defaulted accounts
  • Charge-offs
  • Collection accounts
  • High balances
  • Bankruptcies

Once you understand how credit scoring and reporting work, follow the following steps:

  • Check your report from a bureau like Experian
  • Dispute the negative info that you believe shouldn't be on your report
  • Review credit reports regularly for signs of identity theft or incorrect information

How do credit repair companies remove negative items?

Hiring a professional credit repair service is the easiest way to fix your credit reports. 

Of course, you'll want to work with a reputable and experienced company. A credit repair service verifies, corrects, and removes negative items on your report.

The company will dispute the inaccurate information on your behalf. Credit repair companies leverage their experience and expertise to negotiate for the removal of the errors in your report.

Some errors like outdated information may be easy to resolve. Others may require much work, including submitting evidence to dispute the info and forcing the bureaus to validate contentious data. 

The ideal outcome is to delete enough items to boost your credit scores.

Read also: How to start a credit repair business.


A good credit score is crucial since it determines if you can borrow money and the interest at which you'll repay it.

It's not uncommon to have errors in your score, affecting your ability to qualify for loans and mortgages.

These errors and wrong information shouldn't keep you from accessing credit.

You can leverage credit repair software to fix the errors. The options highlighted in this post boast years of hands-on experience and reliability, leaving a trail of happy customers.

You can go wrong with any of these tools. So, go ahead and sign-up.

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