Credit cards have become an integral part of our life. You don’t have to worry about the cash in hand anymore. Moreover, credit cards offer amazing discounts on online purchases and convenient payback options.
Sometimes bad use of credit cards leads to an ugly impression on your credit score. So you may face issues to take new loans or issuing a new card. To clean the damage done to the credit health and fault financial behaviors you need credit repair software.
You may hire a company for resolving your poor credit history. But it would be very expensive and everyone has not the budget to fulfill it. Instead of that, it would be a wise choice if you go with software for credit repair. In this post, I will show you some of the best credit repair software helpful for improving your credit score.
So let’s get started.
Table of Contents
Best Credit Repair Software
A credit card is a great financial instrument when used properly. But sometimes bad credit score leads to the rejection of loan applications. Resolve your credit problems with the below software. Whether you are an individual or a business this software will be helpful.
1. SmartCredit
SmartCredit is one of the best software to improve your credit score. It offers a range of features that would be helpful for personal finance and credit monitoring. SmartCredit is considered a leading software in this segment having millions of active users.
Once you connect the account with the software it starts pulling all the transactions, purchase history, payments, etc. The insightful report shows all your spending and where all the money went. It updates the spending daily automatically so that you never miss any transaction.
Stop theft by verifying the transaction with the action button. Receive a notification when a payment is about to be due and stay on top of spending. So you don’t have to wait for the month’s end to check the expenses. You would get a mobile app containing all the functionalities. There is also a membership plan that includes 1 million in fraud insurance for the whole family.
SmartCredit Key Features
- One of the most popular credit repair software having millions of active users
- Add your account to check all the spending into one place
- The real-time update shows transaction statements instantly
- Action button to verify transactions and protect against thefts
- Contact your credit card company in one click
- Credit score booster to increase the score
- Get over 1 million identity fraud insurance for your whole family
- Quickly ask questions and get help instantly
SmartCredit Pricing
SmartCredit offers 2 membership options.
Basic – $19.95 per month
Premium – $27.95 per month
2. Credit Versio
Credit Version is another handy tool specializing in automated credit repair systems. It offers self-service options to users who want to improve their credit scores. You don’t have to hire a professional that navigates in the right direction.
The dispute letter generator shows all the misinformation on your credit card report that is damaging your credit score. It shows information like late payments, collections, student loans, etc. Generate professional letters based on consumer protection laws. This AI-driven tool can identify 20 different types of negative accounts.
Credit Versio offers unlimited disputes where you can get dispute information of as many accounts as you want. Cancel your ongoing subscriptions quickly to control spending.
Credit Versio Key Features
- A popular self-service credit repair software with thousands of active users
- Automatically import and analyze your 3-bureau credit report
- Powerful AI algorithm automatically detects which accounts are hurting your credit
- Dispute as many accounts as you can and manage them in one dashboard
- Generate professional dispute letters based on consumer protection law
- Identity theft insurance worth 1 million
- Credit monitoring and alert
Credit Versio Pricing
Credit Versio offers 3 plans to choose from.
Smart credit Basic – $19.95 per month
Smart credit Premium – $24.95 per month
IdentityIQ – $29.99 per month
3. DisputeBee
DisputeBee is another widely used tool for repairing credit scores. Whether you want to prepare a dispute letter or a credit repair business, this robust software would be helpful. The streamlined process lets you generate dispute letters and tracking hustle free.
This software collaboratively works with IdentityIQ to detect the negative items available on the credit report. It can identify a range of negative items including late payments, inquiries, etc. They have an automated feature to keep track of all disputes.
Remove negative items from your client’s credit report in a few clicks. They have dozens of dispute letter templates designed by professionals. Monitor the replies between 3 bureaus using a centralized dashboard. You would get access to step-by-step video training and in-depth articles to know the process easily.
DisputeBee Key Features
- Easy-to-use software for repairing the disputes
- Automated dispute detection and management system
- One of the best tools if you want to start your own credit repair business
- Supports all the 3 bureaus like Experian, Equifax, and TransUnion
- Pre-written dispute letter template
- Track all the dispute processes in one dashboard
- A lot of video training materials and in-depth articles for self-help purposes
DisputeBee Pricing
DisputeBee offers straightforward pricing and 2 plans.
Individual – $39 per month
Business – $99 per month
4. Credit Repair Cloud
Credit Repair Cloud offers all one solution you ever needed to correct the credit. It is helpful for people who want to start a credit repair company. Over 20K users are already enjoying Credit Repair Cloud and changing lives.
Get a detailed overview of all the disputes present in your credit history. There is a library of pre-written dispute letters for any reason. If you are running a credit repair business then the built-in CRM will keep your team organized. See all the recent transactions on your credit cards in one dashboard.
The 1-click audit feature shows all the issues in a client account. Integrate Credit Repair Cloud with thousands of apps and services in a few clicks. You would get a dedicated support team and live training.
Credit Repair Cloud Key Features
- All-in-one credit repair software used by over 20K businesses
- Automated credit dispute detection and resolve
- The 1-click audit feature let you run instant checks
- 100+ dispute letter templates to choose from
- Batch printing for time-saving
- Scale your business through the KPI dashboard
- CRM feature
- Client onboarding services
- Affiliate tools to track sales driven by promoters
- Zapier integration to connect with thousands of tools
- Credit repairing training
Credit Repair Cloud Pricing
Credit Repair Cloud pricing depends on the active clients you want to include. For 100 active clients, the tool costs $179 per month.
5. DisputeSuite
DisputeSuite is a powerful software to start your credit repair business. Do you want to resolve legal rights disputes when inaccurate information appears in your credit reports? Then DisputeSuite helps you to get the right information and boost your customer’s credit score. Get a 360-degree view of each customer through a centralized dashboard.
Get customers’ information in visually appealing formats. Combinations of graphs and charts illustrate the summary for clear understanding. When your customer uploads a document or writes a note you would receive a notification.
Nothing to download or install in your system as the DisputeSuite is completely web-based. Build and manage your affiliate army for a successful credit repair business. The affiliate management system will allow you to track referral partners.
Generate customized dispute letters by selecting items directly from your credit report. You can create your letters or visit the library of hundreds of pre-designed letters. Set up an automated billing system to charge a one-time or monthly fee.
DisputeSuite Key Features
- All-in-one software for starting your credit repair software
- A web-based tool that doesn’t need to download
- Add unlimited customers without extra cost
- Private label solution with custom branding
- Create and manage unlimited affiliates and referral partners
- Web-based portal for your affiliates
- 3-in-1 credit report system that covers all three credit bureaus
- Use the library of dispute letters to generate a customized credit report
- Setup automated billing process for receiving one-time or monthly payments
- All information is encrypted with 256-bit encryption
DisputeSuite Pricing
DisputeSuite offers 3 plans to choose from.
Silver – $300 per month
Gold – $500 per month
Platinum – $800 per month
6. Dovly
Do you have a low credit score that making harder for getting loans? Then Dovly would help improve the score and get lower interest rates. This credit improvement tool helps you to send dispute letters and improve your credit score.
After connecting your account with Dovly, their intelligent algorithm identifies negative items that are dragging down your credit score. This tool has resolved more than 200K credit disputes with a success rate of 91%. See any wrong information added to the credit report and directly draft a dispute from your dashboard.
Check all the credit dispute statuses and review any noticeable change in the credit score. This tool offers top-tier security features to protect your identity. Visit Dovly university to learn more about credit scores and stay motivated.
Dovly Key Features
- One of the reputed credit repair software to stay on top of credit score
- Resolved over 200K credit disputes with a success rate of 91%
- First credit score app that offers a free plan
- Real-time credit monitoring service
- Instant dispute letter generator with customization option
- Track all the disputes in one centralized dashboard
- Dovly University to learn more
- Premium plans come with a 90-day money-back guarantee
Dovly Pricing
Dovly comes with both free and premium plans.
Free – You can get a free credit score and resolve 1 dispute per month
Credit Maximizer – This plan costs $39.99 per month
7. ScoreCEO
ScoreCEO is a robust tool for entrepreneurs looking for a credit repair business. Over 10K businesses are already using ScoreCEO for running successful operations. It comes with flexible features that make sense for you.
Manage your clients through a centralized dashboard and get a birds-eye view. Automated client workflow helps you to manage each lead. Run your credit improvement business easily with automated sales pipelines.
The advanced dispute engine helps you to identify the issues in your credit report. Drive more business using an affiliate system and keep track of all the referral sales. You can reach out to the ScoreCEO team through email or live chat and get instant help.
ScoreCEO Key Features
- One of the best credit repair software for starting a business around it
- Easy-to-use interface with the setup wizard
- Auto credit repair sales pipeline
- Automatic state contract selector
- Automated billing engine
- Advanced analytics to stay on the top of sales pipeline
- Compliance event tracking
- Unlimited leads in any plan
- All revenue model support
- Instant support through email and live chat
ScoreCEO Pricing
ScoreCEO offers 4 plans including a free one.
Free – The Free plan offers 1 user, 1 active client, 1 GB of storage, etc.
KickStart – The KickStart plan offers 2 users, 50 active clients, 2 GB storage, etc. It costs $129 per month.
Essential – The Essential plan offers 6 users, 300 active clients, 6 GB storage, etc. It costs $179 per month.
Advanced – The Advanced plan offers 10 users, 800 active clients, 20 GB storage, etc. It costs $299 per month.
8. Credit Detailer
Credit Detailer is another helpful software for repairing your credit score. If you want to start a credit improvement business then this robust platform will help a lot. Manage all your customers in one place and scale the business quickly.
You will have to purchase and download the software in your system. Once you add a client account the system starts analyzing the issues and disputes in your credit report. They are in the business for the last 15 years and helped a lot of users to improve their credit scores.
Quickly figure out the issues in your client’s account and generate a dispute letter. You can bulk-generate dispute letters for many clients and print them. Your clients can keep track of disputes and get regular updates.
Credit Detailer Key Features
- One of the leading software to start credit improvement agency
- 15+ years of industry experience
- An easy-to-use tool that needs to download into your system
- Bulk dispute letter generator and print
- Dedicated client portal for every customer
- Manage all your clients through a centralized dashboard
- Free software update included for one year
- Instant support through live chat and email
Credit Detailer Pricing
Credit Detailer comes with a one-time payment and lifetime license. The Business Version costs $399.
9. Credit Repair Magic
Credit Repair Magic is another software worth trying for credit repair. Whether you are looking for software to start a credit repair agency or an individual user who wants to improve the credit score, this software would be helpful.
They have an automated system to detect credit issues in an account instantly. If your dispute letters are consistently being rejected then this software will help you to generate quality letters. Their dispute resolution accuracy is impressive and above industry standards.
No need to wait for the month’s end to see the credit report. You can check all the transactions and dispute issues in a list view. The dispute tracker lets you keep an eye on ongoing disputes and notify you when resolved.
Credit Repair Magic Key Features
- An easy-to-use credit improvement service for the non-technical person
- Generate a dispute letter in one click for any issue
- Check all the issues in an account that is updated regularly
- Automated dispute tracker system
- Video training materials to learn more
- 60-day moneyback guarantee
Credit Repair Magic Pricing
The Credit Repair Magic software costs $97 as a one-time fee.
10. Experian Boost
Experian Boost is another credit-building tool that works best for people with thin credit. The credit score is calculated based on FICO Score 8 model. Check your latest credit information that determines your creditworthiness.
See all the factors found in your credit report that drag the score down. Free credit monitoring future detects possible identity frauds, snoops, etc. It regularly gets updated and you never miss any disputes.
256-bit SSL encryption protects your information from fraud and your remains private. This software helps you to boost your credit score and you can achieve your financial goals. Regardless of your expertise in the finance sector, one can remove all the odds.
Experian Boost Key Features
- One of the reputed players in the credit improvement industry
- A credit score is calculated based on FICO Score 8 model
- Increase your credit score for free
- Free credit report monitoring
- Identity theft monitoring and privacy features
- Theft insurance up to 1 million
- Provides insights and tips that help you to boost your credit score
Experian Boost Pricing
The Experian Boost tool is completely free and doesn’t cost you anything.
Conclusion
So these are some of the best credit repair software you can use to boost your credit score. Getting loans is tough nowadays and having a bad credit score is an issue. Many people have errors in their credit reports and they have no idea. These errors can harm your credit score and rejections in personal loans. Use one of the above software to improve your credit score.