7 Best Credit Repair Software & Apps In 2024: [Updated]

Choosing the right credit repair software can be difficult. There are a lot of options and it’s hard to know which one is right for you. So, we’ve compiled 7 of the best credit repair software and apps that we’ve found on the market.

What Is The Best Credit Repair Software For You In July 2024

Here are a few of my favorite options available:

1. Credit Repair Cloud

Best Suited For Business And Personal Use


There are a lot of choices out there when it comes to credit repair software.

But if you’re looking for a tool that can help you automate the process and take some of the burdens off your shoulders, you want to check out Credit Repair Cloud.

CRC is designed to help you fix your credit score by outsourcing all the hard work.

With just a few clicks, you can send dispute letters and dispute items on your credit report.

And if you’re new to the world of credit repair, no worries – CRC offers a 14-day training course called the Credit Hero Challenge.

This comprehensive course will teach you everything you need to know about repairing your credit.

Plus, if you want to launch your own credit repair business, CRC has all the resources you need.

Thousands of happy customers have given CRC 4.9 ratings on Trustpilot, and with a 30-day free trial, there’s no risk in trying it out for yourself. 

Some Prominent Features Of Credit Repair Cloud

  • Allows you to print and mail letters to clients with just a click on autopilot
  • Tracks every letter in real-time
  • Automates 80% of the entire credit monitoring process
  • Offers Credit Repair Training
  • Offers 3rd Party Integrations like Zapier and Calendly

Credit Repair Cloud Pricing

Credit Repair Cloud comes in 4 different plans with a 30-day unlimited usage trial.


Credit Repair Cloud Pros And Cons



  • Offers a full business software solution, with savings offered on annual plans
  • Unlimited storage and access to a client portal


  • Expensive
  • No unlimited clients or team members

2. ScoreCEO

Best Credit Repair Software For Businesses

scoreceo homepage

ScoreCEO is a great tool for entrepreneurs who run a credit repair business.

They offer a 30-day free trial that doesn’t require any credit card information, so you can try it out before committing to anything.

ScoreCEO is flexible, too – features like outsourcing disputes or processing them in-house gives you the ability to run your business in the way that makes sense for you.

Plus, automated client workflows and sales pipelines make it easier to manage each client’s profile.

If you decide ScoreCEO is right for you, they offer $129, $179, and $299 monthly plans to scale your credit repair business easily.

The basic package includes the customer portal, importing credit reports, web integrations, 2 users, and up to 50 customers.

You’ll also get access to DIY credit repair videos and training, plus 2 GB of storage.

Email and chat support are included, too.

In short, ScoreCEO is a great option for anyone looking to start or grow their profitable credit repair business.

Some Prominent Features Of ScoreCEO

  • Billing engine that automates billing and tracks electronic signatures
  • Google Analytics integration provides marketing insights
  • Sales are pre-built for easy use
  • Email campaigns to automate marketing messages
  • Save time and money by outsourcing your entire dispute process
  • Stay on top of your sales pipeline with advanced analytics dashboards
  • Automate your client workflows for a more efficient lead generation process
  • Comply with different state contract regulations for multiple credit repair businesses

ScoreCEO Pricing

There’s also a free package even though with limited features and paid ones are as follows:


ScoreCEO Pros And Cons


  • Awards clubs
  • User-friendly interface
  • 30-day free trial
  • 6 different product combos to choose from


  • Costly

3. DisputeBee

Best Used As Personal Credit Repair Software


If you’re looking for a great way to improve your credit score, you should definitely check out DisputeBee.

DisputeBee is a credit repair service that allows you to dispute negative or incorrect items on your credit report, and it’s extremely affordable.

You can upload your credit report and then use their dispute wizard to identify which items you want to dispute.

DisputeBee will then create dispute letters for you and send them out to the appropriate parties.

One of the main benefits of using DisputeBee is that they provide an online portal where you can track the status of each dispute.

They also provide template dispute letters for various types of disputes, along with response templates that utilize information from the FCRA.

Another great feature is that you have the option to dispute credit information with the furnisher as well as the major credit bureaus.

And if you’re not sure how to use the system, they have training available to make sure you get the most out of your subscription.

So if you’re looking for an easy and effective way to improve your credit score, be sure to check out DisputeBee.

Some Prominent Features Of DisputeBee

  • End the hassle of trying to figure out how to write a dispute letter
  • Get access to dozens of templates for different disputes
  • Sends your disputes to all three credit bureaus
  • Track your mail and get response letters generated automatically
  • Integrations with other financial software
  • Get the education you need to protect your credit
  • Never speak to a collections agent again

DisputeBee Pricing

DisputeBee offers only these 2 pricing models:


DisputeBee Pros And Cons



  • Tracks disputes to keep your business running smoothly
  • Unlimited clients and team members for scaling
  • Client Portal
  • Integrates with billing and contracts
  • Offers low-cost subscription fees


  • There is no credit score change tracker
  • No guidance on what you should dispute

4. Credit Versio

Best Personal Credit Repair App


Credit Versio is an AI-powered credit repair tool that can auto-import your credit reports from all 3 major credit bureaus without creating any hard inquiries.

It uses its proprietary AI model to identify which items are hurting your credit scores like late payments, repossessions, inquiries, foreclosures, and bankruptcies.

Based on this information, Credit Versio helps generate effective disputes to remove those negative items.

And because it’s all done online, you can easily manage and track your disputes from a desktop or smartphone.

Credit Versio also makes it easy to tell positive and negative items apart by color-coding them in green and red, respectively.

There’s no need to spend hours writing dispute letters or tracking scores on spreadsheets.

And if you need help understanding the process, Credit Versio offers a series of video tutorials that explain credit repair in simple terms.

Some Prominent Features Of Credit Versio

  • Save time and hassle by automating the credit dispute process
  • Learn how to improve your credit rating with video coaching, tutorial, blogs, etc.
  • Dispute any account on all three credit companies
  • Get unlimited disputes for one low price
  • Gives you monthly credit monitoring
  • Comes with access to a virtual credit coach
  • Uses AI to help you find and dispute errors based on consumer protection laws for maximum effectiveness

Credit Versio Pricing


Credit Versio Pros And Cons


  • Offers identity theft insurance with every plan
  • Monthly credit scores and reports from all 3 bureaus included
  • Video credit coaching is available
  • Unlimited disputes


  • No free trial

5. Credit Repair Magic

Best Professional Credit Repair Software


Credit Repair Magic has been in the credit repair industry since 1994, so they know a thing or two about how to fix your credit.

With Credit Repair Magic, you can generate unlimited disputes.

Plus, the software costs a flat fee of $97 one time for life.

Related: Black Friday Software Deals

And if you have questions about how to use the software, you can send an email within the first 60 days and they’ll answer your questions on a discretionary basis.

They also provide a 60-day money-back guarantee, plus you may try it for free!

Additionally, multiple learning materials like video tutorials, audio programs, and e-books are provided.

But keep in mind, that you still have to print and mail your dispute letters.

However, Credit Repair Magic will keep track of the disputes you’ve started with an automated tracker that sends you email reminders of what’s next on your to-do list.

So if you’re looking for an affordable and easy-to-use credit repair solution, Credit Repair Magic is worth considering.

Some Prominent Features Of Credit Repair Magic

  • Easily repair your own credit score with step-by-step guidelines
  • Continuously updated to ensure accuracy of your credit report
  • Repair your credit score in days, not weeks
  • Educational resources to enhance the experience
  • Lifetime customer service and support
  • Enjoy free, automatic software upgrades for life
  • Add family and friends with zero additional cost

Credit Repair Magic Pricing

For a one-time payment, you can use Credit Repair Magic to fix your credit. You’ll also get eight additional programs worth $321 in addition to it.

One Time Fee

Credit Repair Magic Pros And Cons


  • One-time fee
  • 60-day money-back guarantee


  • Sort of DIY platform

6. Dovly

Best For Personal Credit Repair


Dovly is a personal credit repair software that comes with some impressive stats.

According to their website, 92% of their clients have seen an improvement in their credit scores.

On average, their clients see a 54-point increase within six months or less.

However, there is one concern with the Dovly system.

Their dispute algorithm only allows three disputes each month.

While this may be enough for some people, it could be insufficient for those with serious credit issues.

Dovly sets itself apart by quickly removing errors from credit reports, monitoring hidden charges, and resolving issues immediately.

When you first sign up for Dovly, it performs a soft credit pull and shows a list of current issues.

You can choose which issues you want to dispute.

Once you have selected your disputes, Dovly works directly with some major credit bureaus to resolve the issue and remove any inaccurate information.

The best part is that Dovly is the only credit repair software with an entirely free option – no credit card required and not a limited-time offer.

In addition to repairing your credit, Dovly also provides personalized financial recommendations.

So if you’re serious about fixing your credit, Dovly is a great option.

However, keep in mind that you have to work with all three major credit bureaus, not just one.

Some Prominent Features Of Dovly

  • Get your credit score and credit report from all three credit bureaus updated every month
  • Submit up to 3 Disputes on your credit report with all three bureaus each month
  • Credit monitoring for you and your family members
  • 24/7 live customer support
  • Encrypted security features to keep your data safe
  • Monitor your identity for theft and fraud at all three credit repair companies simultaneously

Dovly Pricing

Dovly offers both free and paid plans.

Billed annually

Dovly Pros And Cons


  • Automated intelligent system
  • Money back guarantee
  • 24/7 progress tracking


  • Not available for full service to people in Georgia or Minnesota

7. TurnScor

Best For Personal Credit Repair


If you’re looking for a credit repair company that will help you track your progress and dispute negative items on your credit reports, TurnScor is a great option.

TurnScor offers a simple auto-themed dashboard view to manage and organize your credit profile, and their competitive pricing (just $159 per year) includes access to abundant educational resources, like video and e-book training on the credit repair process.

Plus, automated email reminders keep you on track by prompting you to stay on pace with improving your credit scores.

Keep in mind, though, that TurnScor isn’t a quick fix – it’s for people who want to understand their credit and take the necessary steps to improve it over time.

And while TurnScor doesn’t have all the features of its higher-priced competitors, they maintain good functionality and ease of use.

So if you’re looking for a stress-free experience with a company that prioritizes your information, privacy, and time, TurnScor is worth checking out.

Some Prominent Features Of TurnScor

  • Stay on top of your credit profile with a customizable and easy-to-use dashboard
  • Competitive pricing for the quality of service you’ll receive
  • Keep yourself accountable with automated email reminders
  • Repair your credit score with video and e-book training materials

TurnScor Pricing

One Time Fee

TurnScor Pros And Cons


  • One-time fee
  • Free educational resources
  • Dozen past happy clients


  • Costly
  • No free trial

FAQs On Credit Repair Software And Apps


Can I Fix My Credit On My Own?

Yes, you can fix your credit on your own. There are a few steps you can take to improve your credit score.
You can start by checking your credit report for errors and dispute any incorrect information.
You can also make sure you’re paying your bills on time and maintaining a good credit history.
If you need help improving your credit score, there are a number of credit counseling services available.

Is It Worth Paying Someone To Fix Your Credit?

There is no definitive answer to this question.
Some people may find that it is worth it to pay someone to fix their credit, while others may not.
The best thing to do is to weigh the pros and cons of doing so and make a decision based on what is best for you.

What Is The Fastest Way To Repair Your Credit?

The fastest way to repair your credit is by using a credit counseling or credit repair agency.
These services can help you dispute inaccurate information on your credit report, and work with creditors to get your account balances back in good standing.

What Is The Best Website To Fix Credit?

There are a number of websites that offer credit repair services, but not all of them are reputable.
It is important to do your research before selecting a service to ensure that you are getting the best possible deal and that your information is safe.
Some good options include CreditRepair.com, CreditKarma.com, and RepairMyCreditNow.com.

How Can I Raise My Credit Score Overnight?

You can’t do that overnight unless through illegal ways.

Can I Do Credit Repair Myself?

There is no one-size-fits-all answer to this question, as the best way to repair your credit will vary depending on your credit history and situation.
However, there are a few things you can do yourself to help improve your credit score.
For example, you can review your credit report for errors and dispute any that you find, and you can also work to build up your credit history by opening new credit accounts and making on-time payments.
You can also use a Credit Repair Service to help you improve your credit score.

Is There An App To Improve Credit Score?

Yes, there are a number of apps that can help improve your credit score.
Some popular options include Credit Repair Cloud and Dovly.

What Is Credit Repair App?

A credit repair app is an app that helps you to repair your credit.

Can You Illegally Fix Credit?

Yes, you can.
In fact, many people do it every day.
There are a number of ways to fix your credit, and many of them are illegal.
However, if you’re willing to take the risk, it can be a great way to improve your credit score.
Just be sure to proceed with caution and do your research before taking any action.

What Does Credit Repair Software Do?

Credit repair software is designed to help you dispute errors on your credit report.
The software will help you gather the necessary documentation and create a dispute letter to send to the credit bureau.

Which App Has The Best Credit Repair Process?


Credit repair software solutions and apps can be extremely helpful when it comes to fixing your credit.

In fact, many people have seen a significant increase in their credit scores after using these tools.

We’ve provided you with seven of the best options on the market today, but remember that your results may vary depending on your unique situation.

If you’re looking for help repairing your credit, we recommend giving one of these apps a try.

Have you had success with any particular app?

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