5 Best Credit Repair Software For Business & Personal Use 2023

Updated: November 12, 2023

Written and edited by Eddy Ballesteros CEO & AI Expert.

Best Credit Repair Software

Editorial Note: We may earn a commission when you visit links on my website. This does not affect Eddy's opinions or evaluations. Learn More

Are you overwhelmed by the complexities of running a credit repair business?

What if you could streamline your operations, increase sales, and improve credit scores, all while reducing your workload?

You're not alone in this struggle.

Eddy's Pick

Credit Repair Cloud

Credit Repair Cloud

  • all-in-one credit repair business software
  • Dispute outsourcing system
  • Start a credit repair company

Many entrepreneurs find the credit repair process time-consuming and challenging. That's where the best credit repair software for businesses comes into play.

Finding a way to start, grow, and outsource your credit repair business can be stressful, but what if you could produce more sales with less workload in half the time?

These tools automate the tedious parts of credit repair and offer functionalities that can be leveraged for personal and business use.

If you're short on time, my top recommendation for credit repair software is Credit Repair Cloud, a tool that automated 80% of my business processes and played a pivotal role when I transitioned from a 9-5 job to running my own credit repair business in early 2019.

So, let's get started on finding the best credit repair software that fits your needs and elevates your business to new heights."

At first, it took me some time to get used to, but after we managed to remove hundreds of reporting errors from credit reports, we now have this business on autopilot. 


Yes, removing any incorrect, negative items and credit errors from a credit report is possible and very legal. This is protected by a consumer law called the FCRA.

So, I can now work on this blog and help others start and scale their online businesses, All because my business partner and I took the time to become credit repair professionals.

What Is The Best Credit Repair Software?

Whether you're looking to start a credit repair business or improve your own credit score, the right software can be a game-changer.

Our company took off when we began to automate and outsource tasks, and yours can, too.

Key Features to Consider in the Best Credit Repair Software:

  • Upload & Audit Credit Reports: The ability to easily upload and audit credit reports is crucial for effective credit repair.
  • Client, Lead, & Affiliate Management: A comprehensive dashboard to manage all your business relationships is necessary.
  • Dispute Letter Templates & Training: A library of ready-to-use dispute letters and training materials can save you time.
  • Debt Removal Capabilities: The software should help remove various types of debt, including charge-offs, tax liens, and medical debt.
  • Customer Support: Look for software that offers robust customer support to guide you through the process.
  • Dispute Process Management: Real-time updates on the dispute process for each client can help you stay organized.
  • Advanced Credit Disputes: The ability to handle exceptional cases through advanced credit disputes is a plus.
  • Credit Bureau Compatibility: Ensure the software is compatible with all three major credit bureaus.
  • Educational Resources: Free educational materials can add value for you and your clients.

Now, let's dive into my top picks for the best credit repair software, each rigorously ranked and reviewed for convenience.

1. Credit Repair Cloud

Best Credit Repair Software For Business & Personal Use

Credit Repair Cloud

Credit Repair Cloud (Formally Credit-Aid) is a complete all-in-one credit repair software solution that allows you to start, scale, and grow a credit repair company from your home or office.

This credit repair business software was founded by Daniel Rosen, who wanted to fix the gap between credit repair companies and clients to help automate the credit repair process.

With this software, you can easily send out disputes and track all the results within the dashboard. It also includes credit monitoring features to run your online business with the software.

They have credit repair training programs and teach you how to improve your credit score and credit repair outsourcing processing.

The Key Benefits

  • Easily add clients to a ready-made business.
  • Import credit reports and generate credit audits with just one click.
  • Generate dispute letters in seconds with a complete wizard setup.
  • Organize everything in one simple dashboard and CRM.
  • Affiliate Partnership with complete referral tracking.
  • Generate extra revenue with credit monitoring services.
  • Receive updated training.
  • Automate recurring billing for your clients.
  • Earn more through credit repair services with affiliate programs

Using Credit Repair Cloud has completely changed how you fix credit and now allows you to outsource all the hard work… Sending out letters by letting you batch & print all in one click.

Regarding credit repair software, you want a tool to help with your heavy workload and automate the system. This software program has seriously changed the credit repair industry.

Why choose CRC for the many other credit repair software solutions?

With CRC, I took their Credit Hero Challenge, a 14-day training course teaching you the ins and outs of credit repair.

With this program, I started offering credit repair services with my fantastic business partner, and now I can blog full-time because of our success.

What Is Credit Repair Cloud's Pricing?

Credit Repair Cloud offers a 30-day free trial and four pricing plans.

Credit Repair Cloud Pricing

Their Start Plan starts at $179 per month; Their Grow Plan goes for $299 per month, while the Scale Plan is $399 per month. The final plan is Enterprise which goes for $599 every month.

I recommend this credit repair software to grow and scale your credit repair business. 

This software allows you to quickly sign new clients and send out their dispute letters with a push of a button. I use it for my credit repair company and have improved our client's credit scores.

Interested in knowing more about my top recommended credit software? Watch this video.


  • Allows you to automate 80% of processing.
  • Links to billing, affiliate internal software.
  • Certified credit repair training courses.
  • 15,000+ Community members.


  • Not a get-rich-quick scheme. I still need to put in the work.
  • It can be overwhelming without proper guidance.
  • Website templates look outdated.
  • Aliqua nulla pariatur elitis

2. Credit Pillow

Credit Pillow

Credit Pillow is a DIY credit repair software that is not only cost-affordable but is easy to use even for a beginner.

You'll be able to get a copy of your credit scores and quickly start the dispute process by following their step-by-step guidance.

Credit Pillow has also partnered with personal credit builder solutions that can report your data to all the major credit bureaus.

This can help improve your credit score quickly and works differently than most credit repair software options since you can send out credit disputes instantly.

Key Benefits:

  • Get credit score updates
  • Generate a dispute letter for inaccurate items
  • Get a client portal with your entire credit profile
  • Save money on the dispute process
  • Automatically flags credit errors to dispute
  • Dispute letter templates for every situation

With Credit Pillow, you can immediately start to repair your credit without wasting time by hiring a company. 

The biggest perk to this software is the freedom to check your credit score and changes within the dashboard.

I can't imagine a more accessible and safer way to view credit monitoring data with Credit Pillow.

What Is Credit Pillow's Pricing?

Credit Pillow is a free credit repair software that removes the time-consuming process of disputes, and all you need to pay for is the credit monitoring service to get credit score updates.

3. DisputeBee

Best Personal Credit Repair Software


DisputeBee is the runner-up when it comes to credit repair software.

They beat the other competitors because they allow personal disputing for a great price, and once you fix your credit, you can start to repair others by upgrading to their business plan.

Even though most alternatives allow you to try their software for 30 days FREE, I recommend you try to fix your credit score using DisputeBee and see how you like their platform if you want to start fixing others' credit.

With DisputeBee, you can upload your credit report, and with their dispute wizard, it will inform you which accounts are negative or incorrect with each major credit bureau.

Once you tag which items you want to dispute, DisputeBee's wizard tool will create the letters for you, and you will need to send them out via mail, not online.

So feel free to improve your credit score first before working with clients.

Key Benefits:

  • Import credit reports.
  • Automatically generate dispute letters
  • Complete CRM system to manage clients and results
  • E-contract integration for faster enrollments
  • Unlimited team members
  • Send letters and follow up with the major credit bureaus

What Is DisputeBee's Pricing?

Let's go over how much DisputeBee Costs.

DisputeBee offers simple pricing plans starting at $39 every month and $99 per month for their business plan. 

DisputeBee Pricing

So remember that DisputeBee focuses on personal credit repair software but allows you to start your own credit repair company with their business plan.

Read my full DisputeBee review here.

All-In-One Credit Repair Software For Businesses

Client Dispute Manager

Client Dispute Manager is an advanced credit repair software that runs your business. CDM offers dispute letters, free training, and a client onboarding automation system. 

This credit repair software is perfect for beginners and experts looking to automate their businesses.

The owner is named Mark Claybourne and offers excellent training on YouTube. 

Key Features:

  • Automate the client consultation with a few clicks
  • Easily import credit reports & earn affiliate revenue
  • Built-in marketing tools, including SMS
  • Choose from over 296 dispute letter templates
  • Edit & upload your own dispute letters for those advanced users
  • Take credit card payments & setup recurring billing
  • Software chat support
  • Free app demos (credit repair software training)

Pricing Plan:

Client Dispute Manager offers affordable pricing and includes a 30-day free trial before you get committed.

  • Starting: $50 first month, then $99 after that
  • Growing: $149 per month
  • Enterprise: $199 per month
  • Yearly: $1,200 per year
Client Dispute Manager Pricing

5. ScoreCEO

Professional Credit Repair Software Program


Are you looking to automate and scale your credit repair business? ScoreCEO might be the solution you've been searching for.

Owned by Scoreinc.com, this software is designed to be a comprehensive tool for credit repair companies.

Why Choose ScoreCEO?

  1. Automation & Integration: ScoreCEO allows seamless automation of various credit repair tasks, freeing you to focus on business growth.
  2. Social Media Integration: You can directly integrate your social media accounts to produce and share content faster, enhancing your online presence.
  3. White-Labeling: The software offers a white-label solution, enabling you to present it as your product to your clients.
  4. Comprehensive Features: From uploading and auditing credit reports to managing clients and affiliates, ScoreCEO has got you covered.
  5. Educational Resources: The platform also provides free educational materials to help you and your clients better understand the credit repair process.

With ScoreCEO, you're not just investing in software; you're investing in a tool that can significantly improve your business processes and profitability.

Whether you're a seasoned credit repair professional or just starting, ScoreCEO offers functionalities that can cater to your specific needs.

Key Benefits:

  • Credit Repair Organization Set-Up Wizard
  • Credit Repair Sales Pipeline
  • ScoreCEO Compliance Engine
  • Automatic State Contract Selection
  • Marketing Multi-Step Campaign Manager that supports email, SMS, etc.
  • Branded, Pre-Built Sales & Marketing Email Campaigns
  • Facebook & Twitter Customer Referral Marketing Integration
  • Electronic Document Signature Tracking
  • Support of All Revenue Models
  • Robust Template Engine for Dispute Letters, Emails, etc.
  • Automated Billing Engine
  • Integrated Activity/Compliance Event Tracking by Consumer
  • Private Label Lead Portal
  • Integrated Product Shopping Cart
  • Google Analytics Integration
  • World-Class Service Redundancy

Pricing Plan:

ScoreCeo offers a "forever free with their highest plan at $299 per month.

ScoreCEO Pricing

6. DisputeFox

Credit Repair Software With Advanced Automations


Are you searching for a streamlined solution for your credit repair business? Look no further than DisputeFox.

With its robust CRM system and advanced automation, this all-in-one platform is already turning heads. What sets DisputeFox apart is its ability to create automated workflows directly within your dashboard, offering you billing flexibility to maximize revenue.

It's one of the few platforms that provide Metro2 compliance, ensuring you meet industry standards.

The software allows easy social media integration, enhancing your online presence and content creation capabilities.

With its customizable CRM and educational resources, DisputeFox is more than just software; it invests in a tool designed to elevate your credit repair business."

They allow you to create automated workflows seamlessly inside your dashboard! You are also able to create different billing methods to earn more money.

Key Benefits:

  • All the tools you will need to track and nurture your leads
  • Advanced client management system
  • Progress bar indicators for each client
  • Full client process checklist
  • Import credit reports
  • Full affiliate portal

Pricing Plans:

DisputeFox offers a 30-day free trial and simple pricing plans.

The starting plan is $99 monthly, with their scaling plan at $499 monthly. Try out this credit dispute software for yourself.

DisputeFox Pricing

7. Credit Versio

Personal Credit Disputing App

Credit Versio

Credit Versio is a credit repair AI that lets you easily upload your credit report and send dispute paperwork through your mobile phone. 

You can also keep track of your dispute progress and receive updates on your credit score.

If you're looking for an affordable and simple way to rebuild your credit, I highly recommend Credit Versio.

The credit score app simplifies the process and guides you the entire way, from uploading your credit file to viewing your results monthly. Plus, their customer service is outstanding!

Key Benefits:

  • Integrate with SmartCredit & IdentityIQ
  • Send out unlimited disputes every month
  • Set follow up and reminders
  • Video credit coaching calls
  • Free credit repair training courses

Pricing Plans:

Credit Versio is free to use, but you will still have to pay for credit monitoring services. They can remove negative items and monitor any changes to your credit report using this method.

In addition, their customer support team is available to help you dispute any inaccurate information on your credit report.

The credit monitoring services range from $19.95 per month to $29.99 per month, depending on how many features you want, so it's important to choose the right one for your needs.

8. Experian Boost

Best Free Credit Software Program

For those who need a personal boost in their credit repair efforts, there is Experian Boost.

This personal credit repair software helps individuals fix their credit by adding positive payment history to their credit reports.

This includes phone bills, utility bills, and other monthly payments typically not included in credit reports.

As a result, Experian Boost can help people improve their credit scores and better manage their finances.

And because the service is offered by one of the major credit reporting agencies, people can be confident that their personal information will be safeguarded.

Experian Boost is a simple and effective way for people to improve their credit scores and take control of their personal finances.

Key Benefits:

  • View your FICO score instantly
  • Check your credit scores improvement
  • FICO Score Monitoring with Experian Data
  • Free Dark Web Surveillance Report
  • Credit Cards and Loans matched for your situation


Experian Boost is entirely free to use. The way they make their revenue is through affiliate marketing.

So if you find the service helpful, they would appreciate it if you signed up for one of their recommended credit cards or loans.

9. Credit Repair Magic

Credit Repair Magic

Credit Repair Magic is an innovative Credit Repair System that is designed to help you boost your credit score.

The Credit Repair Magic software uses the same techniques that professional credit repair companies use but at a fraction of the cost.

With Credit Repair Magic, you can generate unlimited disputes, which means your credit report will be updated quickly.

In addition, this credit repair builder also comes with a 60-day money-back guarantee, so you have nothing to lose. 

Key Benefits:

  • Get the bad credit eliminator tool
  • Automated dispute tracker tool
  • Credit reference guide
  • Get education material videos
  • Teaches you how to settle your debt
  • Get A FREE Copy Of Your Credit Report From All Three Credit Bureaus


Credit Repair Magic has a cost of $97 for a one-time fee.

10. Smartcredit

Best Credit Monitoring Service


With SmartCredit, you can monitor your credit scores and reports every month for all three major credit bureaus.

The best part is that you don't get dinged every time you check your reports, and this software comes with many extra tools to maintain an excellent credit score for your clients.

If you want to use this for business, it's the best out there because you can white-label their entire service as your own. You can add credit monitoring to your monthly plan when you sign up potential clients.

If you run a credit repair business, you know how important it is to get clients to trust you with their credit reports and scores. 

Key Benefits:

  • Credit monitoring alerts.
  • Identity protection.
  • Monthly updated credit reports.
  • White-label branded dashboard.
  • Full customer support.
  • Identity theft overview


Smartcredit Pricing

SmartCredit offers a basic plan at $13.95 per month and a premium plan for $19.95 per month. 

11. Podia

Best Course & Membership Platform For Offering Credit Repair Products Online

Podia home

Podia is a course learning platform that allows you to create, market, and sell online courses or membership sites.

This is very important because you can start to teach others how to fix their credit or add this as an add-on service when your clients are done with their credit repair.

This is a platform to host digital products, and you can also send communities and host community forums.

We use this when we get our clients the desired results, leaving them with a course to maintain that credit score and fix any credit issues.

Podia will allow you to create amazing credit repair course lessons through a drag-and-drop feature that you can use completely for free.

Key Benefits:

  • Easily create custom courses.
  • Drag & drop course builder.
  • Course surveys.
  • Create private or hidden courses.
  • Host support team inside of course content.
Our Personal Favorite

Ready to start selling online? Use Podia to monetize your audience by selling online courses, digital products, & more!

We earn a commission if you make a purchase, at no additional cost to you.


Podia Pricing

They start with a Free plan to test out; The Basic plan costs $39 per month, and the Shaker plan goes for $79 per month.

Once you grow even further, you can upgrade to the $179 per month Earthquaker plan.

12. Calendly

Best Free Online Scheduling Software For Credit Repair Consultants


Calendly is an online appointment scheduling software that allows you to automate the signup process to make more accessible appointments.

Create an event, add your open times/dates, and embed it on your websites or social media platforms.

We use Calendly on our site, and when someone schedules an appointment, we get an automated message for that event. We use Zapier to add it to your Google calendar automatically.

You can even create automation to let your credit repair software program know when someone schedules an appointment with Calendly. Crazy right?

Key Benefits:

  • Host multiple events through one calendar invite.
  • Embed calendar within your website.
  • Add billing features.
  • Integrate other apps via zapier.


Calendly is always free to start.

They do have plans from $8-$12 per month.

Calendly Pricing

Get started for FREE with Calendly and book credit repair appointments.

13. Leadpages

Best Credit Repair Landing Page Builder


Leadpages is the ultimate solution for those who want to build and maintain their own credit repair website. The landing page builder creates websites, landing pages, and even lead magnets.

If you have ever wondered how big credit repair companies are growing so fast, they do so because they have a system to capture leads and automate the signup process.

With Leadpages, you can create beautiful landing pages to send traffic to and have them sign up for your services.

So, say they don't sign up immediately or don't answer the phone for their scheduled appointment. You can send them automated emails with Leadpages and your favorite email autoresponder.

My Top Pick
Leadpages: Website & Landing Page Builder
14-Day Free Trial

If you are looking for a way to increase conversions on your website, then LeadPages is the perfect solution. It's fast and easy with its drag-and-drop design which, I think everybody would love!

We earn a commission if you make a purchase, at no additional cost to you.


Leadpages price


  • #1 Sales Funnel Builder
  • Create Automated Sales Systems
  • Send automated emails.
  • A lot of training.


  • Small learning curve, but they offer video training.
  • Can be overwhelming at first.

Do I recommend Leadpages?

Yes, I recommend Leadpages especially for credit repair companies if you are looking to turn leads into clients.

How To Make Money With Credit Repair Software

Making money with credit repair software has never been more accessible with credit repair software.

When I started my credit repair business, I wasted so much time printing out all the letters and using cheap credit repair software.

This caused a lot of stress, but when I switched to a program like CRC, I managed my clients better because the payments were set up for auto-pay, and the contracts were signed when they created their online portal.

This allowed me to focus on getting more clients and promoting on social media. A dream come true, in my opinion.

You can make more income through credit repair by offering other services and products from affiliate programs. Here are a few ideas:

  • Offer credit builder loans
  • Partner with credit card companies
  • Become a credit coach or consulting
  • See what other ways you can improve their credit report
  • Offer to help with student loan consolidation
  • Teach your clients how to lower their interest rates with their lenders
  • Sell digital products on credit repair
  • Charge monthly payments for an MRR type of business

What Does Credit Repair Software Do?

Credit Repair Software will help you remove negative items and incorrect information from your credit report.

Most people don't know, but software programs power most credit repair businesses today. So if you want to start your own side hustle in credit repair, you can use these tools.

So, how does credit repair software work exactly?

The three major credit bureaus use an E-Oscar system that works as an automated dispute system. This system takes all the dispute letters and generates responses for every letter received.

And that's why so many credit reports have false negative information because of a massive flaw in their system. They put all their trust in the E-Oscar reports.

You'll want to make sure that the credit repair software can do this:

Adding extra digital and AI marketing tools such as online appointment scheduling and a course platform, will allow you to help even further when it comes to speaking to new leads and giving them Freebies such as DIY credit repair guides.

What Is The Cost of Credit Repair Software?

You're probably curious about the cost of credit repair software. The investment can vary significantly depending on your needs and the scale of your business. 

For business-focused credit repair software, monthly plans typically start at $179 and can go up to $599.

On the personal front, dispute software plans range from $19.99 to $99 per month.

Free vs. Paid Credit Repair Software

While free or cheaper options are available, they often come with limitations—the software solutions we'll discuss in this guide range from $0 to $179 a month.

But remember, you often get what you pay for, which is one of my biggest credit repair tips.

Why Cost Shouldn't Be Your Only Consideration: If you're committed to building a sustainable credit repair business, don't let the price tag deter you.

Here's why:

  1. Business Planning: A well-thought-out business plan can guide you through the initial stages and beyond.
  2. Financial Goals: Align the software's features with your financial objectives to ensure a good ROI.
  3. Competitive Analysis: Look at what other credit repair programs offer and aim to provide a better service.
  4. Credit Bureau Compatibility: Ensure the software works seamlessly with all three major credit bureaus.
  5. Debt-to-Income Ratio: Good software will help you manage and improve your debt-to-income ratio.
  6. Money-Back Guarantee: Opt for software that offers a money-back guarantee for added peace of mind.

Considering these factors, you can make an informed decision beyond the cost, setting you up for long-term success in the credit repair industry.

You can also look for DIY credit repair solutions if you can't afford any of these options.


Remember to invest in yourself and in your business to grow. Start with the end in mind and see exactly what you need to do to scale. 

Check out my full review on Credit Repair Cloud or take the Credit Hero Challenge for more in-depth training on starting and growing your credit repair business.

Best Overall

Credit Repair Cloud Sidebar Logo

Credit Repair Cloud allows you to start a profitable credit repair business and easily send dispute letters to your clients.

Favorite Feature:

Dispute Automation

Annual Discount:


Ease of Use:




About the Author

Eddy Ballesteros

AI & Marketing Nerd

Eddy is an AI, SEO, and personal finance blogger who uses and tests products to help others improve their lives through AI and financial literacy. With years of experience in online business, he deeply understands the latest AI and SEO trends. Eddy is also well-knowledged in personal finance and committed to sharing his knowledge and expertise with his readers.

Have Something To Share With Eddy? Comment Below.

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}

Enjoyed this article?


You'll like these even more.

If you're like most people, your credit score