5 Popular Credit Repair Software Programs

More than a third of Americans have at least one error on their credit report. These mistakes can hurt your credit score, which affects your ability to get approved for loans, credit cards, or a mortgage. Fixing errors is important—but doing it on your own can take time and effort.

That’s why some people turn to credit repair software. These tools promise to help you find mistakes, send dispute letters, and improve your score. But not all software lives up to the hype, and some features may be things you can do yourself for free.

Before you spend money on credit repair software, it’s worth understanding how it works—and whether it’s really worth it.

What Is Credit Repair Software?

Credit repair software helps you improve your credit by finding and disputing errors on your credit report. The goal is often to raise your credit score by removing inaccurate or outdated information.

There are a few different ways to repair your credit. You can:

• Do it yourself

• Hire a credit repair company

• Use credit repair software to guide you through the process

If you’re interested in fixing your credit on your own but aren’t sure where to start, credit repair software can help. While the software doesn’t directly fix your credit, it can help you spot incorrect items on your credit reports and send disputes to the credit bureaus.

These programs provide step-by-step tools and information to help you challenge inaccurate negative marks on your credit reports. Most software is easy to use, even if you’re not very tech-savvy. Some programs also offer the option to start a credit repair business, which means you could help others repair their credit for a fee.

If you don’t want to use software, you can still repair your credit on your own or choose to work with a credit repair company for a fee.

Will This Software Actually Raise My Credit Score?

Credit repair software doesn’t directly raise your credit score—but it can help you take the steps that might lead to a higher score. These tools are designed to guide you through the process of identifying and disputing inaccurate negative items on your credit reports. If those items are removed, your score is likely to improve.

That said, using credit repair software takes time and effort. It can help organize the process, but you’ll still need to do the work — like reviewing reports, writing disputes, and following up. If you’re ready to commit to that, credit repair software can be a useful tool in your credit recovery journey.

What’s Involved in the Credit Repair Process?

Repairing your credit means finding mistakes on your credit report and disputing them with the credit bureaus. This often involves writing dispute letters, following up, and going back and forth with creditors or collectors. The process can take time—sometimes months—and not every dispute results in a change.

If the negative information on your report is accurate, it likely won’t be removed. Credit repair software or companies can’t force the credit bureaus to delete valid items. But if you find clear errors, tools like credit repair software can help you organize and send disputes yourself.

Whether you do it on your own or hire help, patience is key. Real improvements to your credit score can take time.

Popular Credit Repair Software Programs

There are many credit repair software programs available, with a wide range of features and prices. Some are free, while others can cost hundreds of dollars. Below, we’ll list some of the more well-known options from companies that are generally considered reputable. This list isn't an endorsement.

Be sure to do your own research to find the best fit for your needs, goals, and budget.When comparing programs, look for third-party reviews from real users to get a better sense of how the software works in practice. Reviews on the company’s own site may not tell the full story.

Experian Boost

Experian Boost is a free and very well-known and respected tool because Experian is a well-known credit reporting agencies. Experian Boost isn't actually credit repair software, but it provides the opportunity to quickly raise your FICO credit score by self-reporting non-traditional credit references like utility bills, phone bills, and streaming services. 

The information Experian Boost collects only feeds into your Experian credit report. It doesn't carry over to the other credit bureaus (Equifax and TransUnion). If you want to repair your credit file with the other major credit bureaus, you’ll have to send disputes separately to each. 

To use Experian Boost, you’ll have to connect to the bank account you use to pay your bills to allow the software to scan your transactions and find your utility or phone payments. So make sure that you have your bank or credit union username and password handy when setting up Experian Boost. Experian Boost also provides access to your Experian credit report and credit score, as well as credit monitoring and alerts.

CreditDetailer

CreditDetailer is a bilingual credit repair software (English and Spanish) available to individuals or households for credit repair. CreditDetailer is easy to use because it's automated and can be customized to meet your specific credit repair needs. This program includes an education center so users can inform themselves of the credit repair process. It can be used if you want to start and run your own credit repair business.

You can try out CreditDetailer by taking advantage of their fully functioning free seven-day trial. The software is currently on sale for $749 for the business version (from $999) and $399 for the personal version which buys you a lifetime license.

TurnScor

TurnScor is a credit repair software program that encourages consumers to take a long-term view of credit repair and credit maintenance. TurnScor may be right for people that want to steadily improve their credit over time (several months or years) and who want to learn how to manage their credit and keep it healthy. If you’re looking for a quick fix or fast credit score boost, TurnScor may not be the right credit repair software for you.

TurnScor is best known for creating a user-friendly experience. It mostly does this by offering credit education resources. As an added bonus, you can talk with an in-house attorney, ask questions, and get advice that could help you improve your credit. TurnScor also offers a 60-day money-back guarantee.

TurnScor’s price isn’t listed on its website, but it’s up to $495 per person for a one-year access license to the TurnScor software program, and it’s half price for a one-year credit repair software renewal.

Personal Credit Builder

Personal Credit Builder is a web-based software. It provides support to help you dispute collections, charge-offs, repossessions, late payments, tax liens, judgments, foreclosures, and bankruptcies on all of your credit reports.

Personal Credit Builder’s automated software can help you streamline the process of disputing your negative credit entries and generating dispute letters. This useful program is also capable of establishing a customized personal budget to help you manage your finances. The software costs $399.97, but the Personal Credit Builder website is currently offering it for $199.97 for a limited time.

Credit Repair Cloud

Credit Repair Cloud, formerly known as Credit-Aid, is best suited for those who have experience with credit repair or who have or want to start their own credit repair business. It provides tools to add team members to your credit repair business and to repair credit for your customers. It’s also a credit repair service business that you can partner with to provide credit repair services for your customers.

Credit Repair Cloud has four price levels, depending on the size of your credit repair business. Prices range from $179 to $599 a month. All levels offer a 30-day free trial. The lowest price level of $179 a month allows you to serve up to 300 credit repair service customers with the software.

Let’s Summarize…

Credit repair software can help you get through the lengthy process of repairing your credit. With savvy credit repair software programs, you will get help filing disputes with the three credit bureaus. You’ll also get guidance on what steps you need to take to improve your credit. But to repair your credit, you need to do the work involved, which means having the time and motivation to see the process through.

If you don’t want to repair your credit on your own, there are many credit repair organizations available to help you. Even though it takes time, making the effort to repair your credit can really pay off. A good credit score makes you more attractive to lenders and can help you get approved for lower loan and credit card interest rates, saving you money.