9 Best Credit Repair Software (2022) – Choose Which One?

Your credit score is one of the most important numbers in your life, yet it’s also one of the most confusing. You don’t know where to start when it comes to repairing your credit.

A low credit score can cost you tens of thousands of dollars in higher interest rates and fees throughout your lifetime. A bad credit score can make it difficult to get a job, rent an apartment, or buy a car.

Credit repair software is the solution. This software makes it easy to understand your credit report and create a plan to improve your credit score. With this software, you can quickly dispute inaccurate information on your report and improve your credit rating.

But there are a lot of credit repair software programs on the market these days. How do you know which one is best for you and your business?

We have compiled a list of the 9 best credit repair software programs available so you can make the right decision!

What Is A Credit Repair Software Work?

A credit repair software program is a type of computer software that helps individuals and businesses repair their credit. The software gathers information about the person’s or business’ credit history from credit reporting agencies and creates a plan to improve the credit score. The software can also help people dispute inaccurate information on their credit reports.

Various credit repair software programs are available, so it is important to research which is best for you. Some programs are designed for individuals, while others are designed for businesses. Make sure to find a program that fits your specific needs.

The best way to find out which credit repair software is best for you is to read reviews and ratings from other consumers. This will give you a better idea of what each program has to offer and which one is best for your unique situation.

When looking for a credit repair software program, remember a few things. First, make sure that the program is compatible with your computer system. Second, check to see if the program offers a money-back guarantee. This will allow you to try out the software without risk. Finally, ensure the program offers customer support if you have questions or need help using the software.

How Does A Credit Card Repair Software Help You?

Credit repair software can help you by repairing your credit score. The best software programs will gather information about your credit history from credit reporting agencies and create a plan to improve your credit score.

They can also help you dispute inaccurate information on your credit report. Most importantly, credit repair software should be easy to use and offer customer support if you need assistance.

There are a lot of credit repair software programs on the market, so take your time and find the one that best suits your needs. With a little research, you can find a program that will help you improve your credit score and get back on track financially.

What’s The Best Credit Repair Software?

  1. TurnScor
  2. Credit Detailer
  3. Credit Repair Cloud
  4. ScoreCEO
  5. Credit Repair Magic
  6. Personal Credit Software
  7. DisputeBee
  8. White Lable CRO
  9. Experian Boost

1) TurnScor

Is TurnScor the best credit repair software?

If you are looking for an easy-to-use credit repair score software fully automated that will help you find your credit score, identify errors in your profile, generate a sequence of challenge letters, and it will also help you track and review your progress; TurnScor is a fantastic option!

Their software also gives you an entire credit repair strategy in-depth. Furthermore, a detailed video library will help you improve your credit score, and several will explain how to use TurnScor in real-time.


  • You have plenty of educational resources. Some of this information is to help you improve your credit score. Oftentimes, you need to pay someone hundreds of dollars to provide this type of information.
  • They provide several steps to dispute inaccurate information that may be hurting your credit score
  • Everything is done automatically
  • 100% refund at any time without asking questions after 60 days


  • TurnScor is a bit overpriced
  • You haven’t got a free trial to test out their software


You got a yearly fee of $495 per person to access their website

Bottom Line

TurnScore is an easy software for repairing your credit from the comfort of your house or office. Not the most affordable one on this list. However, it is one of the most comprehensive software options here.

2) Credit Detailer

Credit Detailer

There are many credit repair software options on the market, but Credit Detailer is one of the best. It allows you to see your credit report and score and make changes to improve your credit score. You can also use Credit Detailer to dispute inaccurate information on your credit report.

Credit Detailer is a great option for business owners who want to improve their credit scores. The software makes it easy to track your progress and see where you need to make changes. You can also get tips and advice from the Credit Detailer team to help you improve your credit score.


  • Everything is automated
  • You have a user-friendly interface
  • 30-day refund without asking questions
  • You have a 7-day free trial. So you have a week to test their software and see if you enjoy it.
  • You can share this software with family members and friends.


  • A bit expensive even for a one-time fee
  • You don’t have much information to help you out


Credit Detailer

You have a one-time fee of $399. After you pay them once, you don’t need to worry about future payments or anything.

Bottom Line

I like the fact everything is automated. You only need to sign up and enter your private details; their software will do all the rest. Afterward, this software will analyze and monitor your credit score. Furthermore, you have a 7-day trial where you can use all the features and functions of Credit Detailer.

3) Credit Repair Cloud

Credit Repair Cloud an ideal for credit repair companies

Credit Repair Cloud is a credit repair software that allows you to start, grow, and scale a business from your home or office. With over 10 years of experience, Credit Repair Cloud has helped over 19,500 users.

You have access to their free podcast and book to help you learn more about this business. Also, provide a 14-day credit repair challenge where you discover all the basics to build your business.

Of course, you also get access to their powerful software, which will help you build your business quickly. Furthermore, you have access to their yearly event, where you can connect with several credit repair experts.


  • A 30-day free trial gives you plenty of time to see if you like Credit Repair Cloud
  • You can use the software for personal or business reasons
  • Easy-to-use interface
  • Plenty of free resources, such as their free book and podcast
  • You have guidance from start to finish to help you repair your credit score
  • You have a 6-week training masterclass that will make you a pro


  • Quite pricey compared to other credit repair software options available


You pay a monthly fee of $179 and can have up to 3 team members

Bottom Line

Credit Repair Cloud is ideal for entrepreneurs, real estate investors, credit repair specialists, and more. Additionally, this software can help you repair your credit score. This option is also fantastic for anyone considering building a credit repair business.

4) ScoreCEO


ScoreCEO was built specifically by credit repair business owners. For this reason, you’ll have a set of tools. This software lets you automate your credit per business. You can generate dispute letters with a click of a button, auto bulking for printing, and your CRM system. Their software is similar to Credit Repair Cloud.


  • You can freely use ScoreCEO. It is a great way to test their software before upgrading one of their plans.
  • Analytics and sales workflow pipeline engines
  • Comes with marketing material for your business
  • Easy to use software to help you improve your business, sole proprietor, or personal credit score
  • You can have multiple company users and customers


  • You have a monthly fee compared to other credit repair software with a one-time or yearly fee. For this reason, ScoreCEO ends up being more expensive than other ones in the market
  • You aren’t provided with educational information to help you get started


You have four different plans to choose from, depending on your needs.

Bottom Line

Perhaps, one of the best credit repair software for businesses and sole proprietors. You can use this software to manage your customers here. Also, you can add multiple users depending on the plan you choose.

5) Credit Repair Magic

Credit Repair Magic

Credit Repair Magic offers a step-by-step system that is easy to apply and can help improve your credit score. With this software, you can dispute inaccurate information on your credit report and get back on track financially.

The best part about Credit Repair Magic is that it offers customer support if you need assistance. This makes it a great choice for those who want to improve their credit score but may not know how to get started. With this program, you can get the help you need to improve your credit score and get back on track financially.


  • It has an easy-to-use interface without requiring much skill
  • You can share their service with your family and friends
  • Credit Repair Magic is updated several times a year
  • You have a 90-day money-back guarantee, giving you enough time to see if you enjoy their software
  • Also, have a guide to help you get started


  • Their software isn’t completely automated. For this reason, you need to do certain things yourself
  • You don’t get analytical data


You pay a one-time fee of $97. One of the cheapest credit card repair software programs on the market.

Bottom Line

Credit Magic is an easy-to-use program with a guide to help beginners quickly get the hang. Besides, you can share some of your information with family and friends. It’s a great way to have people see your progress and motivate you. Besides, you have 90 days to test and see if you like their software.

6) Personal Credit Software

Personal Credit Software

With The Personal Credit Repair Software, you’ll never have to worry about your credit problems again! All derogatory items are automatically extracted and assigned with the right dispute letter. This program is so simple even a beginner can use it- simply enter in some information about yourself or download this software onto one computer stand multiple computers around home/office, etc., then start filing disputes online today!


  • You have customized despite letters and templates
  • You have live training and video training to help you improve your credit score
  • Their interface is user-friendly


  • You have no free trial to test out their software


You have a fee of $199.97 for 18 months of usage.

Bottom Line

You want to get this tool if you have personal bankruptcy that you want to clean or a derogatory item on your credit report that you’d like to fix. For this situation, this software is great because it will do everything automatically.

7) DisputeBee


DisputeBee is a CRM software that helps credit repair professionals manage and track customer disputes. With features like automatic letter generation, tracking of case progress, and communication logs, DisputeBee makes the entire credit repair process more efficient and organized.


  • One of the cheapest credit card repair software programs
  • One of the best software specializes in disputes
  • The business plan provides an unlimited number of team members
  • You have a feature that helps you track your progress
  • Easy-to-use software that will help you scale up your business


  • There’s a lack of educational resources to help you out
  • DisputeBee doesn’t provide a free trial, but also you can cancel your membership whenever you want


You have two different plans to pick, either individual or business. For the individual plan, you pay a monthly fee of $39, and for the business plan, $99.

Bottom Line

If you’d like to fix your credit or someone who wants to start or has a credit repair business, DisputeBee is a great option!

The best part of this credit repair software is that you have two different plans, the individual or business. You can choose based on your situation. Furthermore, this is one of the cheapest options currently available.

8) White Label CRO

White Label CRO is ideal for a credit repair company

White Label CRO is a credit repair software that can help businesses improve their credit score. It has the most advanced automated features out there.


  • You don’t need to pay more to scale up your business. If you get more customers and users, you don’t have to pay more to use White Label CRO
  • One of the most advanced automated features such as Payment reminders, email and SMS campaigns, batch dispute letter generation, etc
  • This software is done for credit repair specialists
  • You have several training videos to help you get started with White Label CRO
  • You have communication tools like customer support, a phone dialer to help you increase your sales, etc


  • It may be a bit costly, but at the same time, you don’t need to pay more as your business grows
  • No free trial


You get everything you need for only $197 monthly.

Bottom Line

If you are looking for automation in your system so you don’t need to waste time doing everything manually, White Label CRO is an excellent software! Besides, no matter how much your business grows, you don’t need to pay more to continue using it.

9) Experian Boost

Experian Boost is completely free

Experian Boost is a credit-improvement tool offered by Experian, one of the three major credit reporting agencies. It allows you to add on-time payments to your credit report, which can help improve your credit score. You can connect your bank account to Experian Boost to automatically make on-time payments for your qualifying bills.

Paying your bills on time is one of the best ways to improve your credit score. In fact, 35% of your credit score is based on your payment history. Experian Boost can help you improve your payment history and, as a result, improve your credit score.


  • Experian boost is free to use
  • Their interface is simple
  • You have many resources freely available


  • You don’t have a program that helps you through the process


Free credit repair software

Bottom Line

One of the best free credit repair software options on the market. You have plenty of customers’ testimonials with positive feedback. Now perhaps you are wondering what the catch is? Well, they make money with your data and try to sell you other products.

Last Thoughts

So if you’re looking for the best credit repair software, you should check out the options listed above.

If you want comprehensive software with all the features needed, TurnScore is a great option! Otherwise, if you want credit repair software with the most advanced and automated features out there, White Lable CRO is the way to go.

If you don’t have the budget to invest in any of these tools, Experience Boost is the solution. So it all depends on your needs and budget. Also, some listed are better for individual usage, while others are for business owners or both.

Have you used any of the credit repair software programs listed above? If so, let us know your thoughts in the comments below!

Jordan Alexo is a digital marketer who’s been making money online since 2011. He specializes in self-publishing, content creation and teaching others how to do the same thing he does best!

He inspires you on his website with strategies that have worked for him and product reviews that help you grow your online business.

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