5 Best Credit Repair Software For Business & Personal Use 2023

Updated: March 28, 2023

Written by Eddy Ballesteros

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?

We all know the credit repair process takes time, but using the best credit repair software for business can help you automate the process. 

The best news? It's straightforward to use each credit repair software I will show you today, and you can use it for personal or business use.

In a rush? Here's my pick for the best credit repair software programs.

Best Overall

Credit Repair Cloud

Credit Repair Cloud

This tool is an all-in-one credit repair business software and dispute outsourcing system.

Best DIY Solution

Credit Pillow Box Logo

Credit Pillow

Credit Pillow allows you to repair your credit score without the need of a credit repair business.

Best CRC Alternative



Perfect for those who want to send out dispute letters on their own or start a small side hustle with credit repair.

We earn affiliate commissions if you happen to purchase through our link. We love you for that. If that's weird, well read our affiliate disclosure.

In early 2019, I quit my 9-5 job by starting a credit repair business using these same credit repair tools.

After searching for the best credit repair software, I ran into Credit Repair Cloud, allowing us to automate 80% of the entire process. They have credit repair training programs and teach you how to improve your credit score and credit repair outsourcing processing.

Regarding our business, we used other tools, such as Calendly and Zapier, to automate the appointment scheduling process. These tools and apps should easily integrate when using credit repair software.

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. 

Important: 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.

How Much Does Credit Repair Software Cost?

Most Credit Repair Software programs will start at $179 per month, with payment plans going upwards to $599 per month.

Well, that's the case for credit software in the business industry. If you want to repair your credit score, most personal dispute software will range from $19.99/per month to $99/per month.

You can either go with free or cheaper options, but most of the time, you will have to purchase the paid or pro version. The software and tools you will see below range from $0-$179 a month.

If you're in this for the long haul, I wouldn't worry so much about the price tag for credit repair software. Why?

Because you should expect to run this like a legit business and get your first few clients or repair your own credit score.

You'll want to set up and review a few things, such as:

  • A business plan
  • Go through your financial goals
  • See what software provides the best features
  • View what other credit repair programs are offering and make it better
  • Does the software work with all three credit bureaus
  • View your debt-to-income ratio
  • See if the credit repair software provides a money-back guarantee

What Is The Best Credit Repair Software?

As I explained earlier, you can use credit repair software to start a credit repair company or work on your credit score. Either way, it's worth it if you want to start your own online business and get results.

When we realized how important it was to outsource and automate, that's when our company grew faster.

What'll you want to look for when purchasing the best credit repair software:

  • Upload & Audit Credit Reports
  • Manage Your Clients, Leads, & Affiliates 
  • Have A Complete Library of Dispute Letter Templates & Training
  • Able To Remove Charge Offs, Tax Liens, Collections, Medical Debt, & Late Payments
  • Real Customer Support That Guides You Through The Process
  • View and update the entire dispute process for each client
  • Offer advanced credit disputes for special cases
  • Works with all three major credit bureaus
  • Free educational resources

Here is my list of the best credit repair software. (Ranked & Reviewed)

1. Credit Repair Cloud

Best Credit Repair Software For Business & Personal Use

Credit Repair Cloud


  • 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

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.

Key Features:

  • 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 CRC 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.

When it comes to credit repair software, you want a tool that can 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 awesome business partner, and now I can blog full-time because of our success.

Pricing Plans:

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.

Yes, I recommend this credit repair software if you want 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.

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 also has partnered with personal credit builder solutions that can report your data to all the major credit bureaus. This can help improve your credit score in no time and works differently than most credit repair software options since you can send out credit disputes instantly.

Key features:

  • 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

Pricing Plans:

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 Features:

  • 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

Pricing Plans:

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


ScoreCeo is owned by Scoreinc.com, allowing you to automate and integrate your credit repair company. 

This software allows you to integrate your social media to produce content faster and lets you white-label their software as your own.

Key Features:

  • 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


DisputeFox is an all-in-one credit repair software with a complete CRM system. 

They are new in the industry but have a promising future ahead of them with their high-end features.

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 Features:

  • 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 per month, with their scaling plan at $499 per month.

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. They make the process very simple and guide you the entire way from uploading your credit file to viewing your results monthly. Plus, their customer service is outstanding!

Key Features:

  • 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 Features:

  • 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 in no time.

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

Key Features:

  • 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 probably 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 credit score. 

Key Features:

  • 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 to allow 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.

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

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

Key Features:

  • 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
Podia Podia

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 any of 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 sets up an appointment with calendly. Crazy right?

Key Features:

  • 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 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 to get started.

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 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.


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. 

Be sure to check out my full review on Credit Repair Cloud or take the Credit Hero Challenge to get more in-depth training on how to start and grow 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 out dispute letters to your clients.

Favorite Feature:

Dispute Automation

Annual Discount:


Ease of Use:




About the Author

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.