Best Credit Repair Software (for 2020): What You Need to Know

June 21, 2020
Written by Drew Cheneler
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Top 6 Best Debt Settlement Companies (Reviews Compared)
Top 6 Best Credit Repair Companies (Reviewed and Compared)
June 21, 2020
Written by Drew Cheneler
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The best credit repair software will help you navigate the nuances of repairing your credit. A credit repair software program will help you file disputes with the three credit bureaus and will provide guidance on what steps to take to repair your credit, but you – the one with credit problems – need to do the actual work. While we recommend partnering with a reputable credit repair company, some people prefer a more “do-it-yourself” approach to repairing their credit. If this is you, then please be careful and pay attention. Most credit repair software programs promise drastic results, which are often unattainable for the average person. Fortunately, we scoured the internet for the best credit repair software programs and compiled a list to help you make a simple yet smart financial decision.

To help you find the best software, our team rounded up the best of the best. Backed by hours of research, here is our complete list and quick overview of the top credit repair software for 2020.

Best Credit Repair Software Programs to Use Today

  • Experian Boost
  • Credit Magic
  • Personal Credit Repair Software
  • Credit Repair Cloud
  • Turnscor
  • Credit Detailer

Fortunately, there are multiple credit repair software programs to choose from. However, you want to select a credit repair software program that aligns with your financial goals, is within your budget, and is reputable within the credit repair industry. Our top choices meet all the criteria. Let’s dive in!

1. Experian Boost

The Best Credit Repair Software is Experian Boost. It is FREE.

Price: Free

Quick Overview:

Do you make monthly utility or telecom bill payments? If so, then Experian Boost is a great resource for you to tap into and start building a strong credit history. Once you sign up, you will connect your bank account with Experian, so they can verify your monthly utility and telecom payments. After this, you will verify that you want these payments added to your credit file. This allows Experian to add your monthly payments to your credit history. As they tout, most consumers see an immediate credit score increase.

Experian Boost - A Top Credit Repair Software


Standout Benefits: 

  • Free Credit Score
  • Helps You Build Your Credit
  • Robust Educational Resources to help you better understand your credit score
  • Wicked Fast Sign Up Process
  • Credit Score Tracking

As you can see, Experian Boost is a great free tool to help you improve your credit score. The whole process should take you about five minutes, and you will get a free updated Fico Credit Score. Experian Boost is best for individuals with a credit score less than 680. So, if you are looking for a free credit software program, then Experian Boost is your best bet. In fact, it is the only credit repair software we would consider using. Again, if utilizing a software is not for you, then we urge you to work with a credit repair company.

2. Credit Repair Magic Software

Credit Repair Magic: Top Credit Repair Software

Price: $97

Quick Overview:

Founded by Bruce Hurley, a 22-year veteran of the credit industry, Credit Repair Magic is one of the best software programs around for those looking to repair their credit. Credit Repair Magic is a “self-directed” software program that is designed to educate and assist you in your credit repair journey. What separates Credit Repair Magic from the others is how quick, effective, and efficient the software system is. But remember, their software will not do the work for you, but rather, will hold your hand and guide you throughout the entire credit repair process.

A straightforward solution to repairing your credit.

Standout Benefits: 

  • 60-Day Money Back Guarantee – That’s right. Not satisfied within 60 days get your money back.
  • Designed by Brue Hurley – A 22-year veteran of the credit industry. Consulted with the three leading credit bureaus to refine his credit repair software program.
  • Automated Software System to streamline the credit repair process. You do not have to write any dispute letters, Credit Repair Magic does it for you.
  • Proven to help you increase your credit score

While Credit Repair Magic is “self-directed” the credit repair software is straightforward, easy-to-understand, and efficient. If you are looking to speed up the credit repair process, then use Credit Repair Magic. Again, this system was designed a veteran of the credit industry. What he essentially did was remove the complexities and nuances from the process, so the average American can fix their credit with ease.

3. Personal Credit Repair Software (“The Personal Credit Builder”)

Personal Credit Builder: One of the Best Credit Repair Software Programs

Price: $400

Quick Overview:

Attracting a legion of fans, The Personal Credit Builder is an advanced software system that helps you repair your credit in minutes – not months. The best part is that with this software you do not have to enter your information manually, which can take hours. Instead, this software provides you with the tools and resources professional credit repair companies us daily.

Standout Benefits: 

  • Professional Custom-Built Dispute Letter Templates
  • Robust Legal Information Provided
  • Easy to set up and start using
  • Easy to resolve credit reporting errors or fraudulent activity

Even though a $400 price tag is a bit steep, the benefits Personal Credit Builder provide are undeniable. While results are never a guarantee, utilizing this credit repair software is a great first step you can take to increase your credit score. As they tout, this best in-class credit repair software can help you lower your mortgage payments, interest rate, and qualify for new loans.

4. Credit Repair Cloud

Got the bug to start a businesses? Launch your online credit repair company with Credit Repair Cloud.


  • Start: $179
  • Grow: $299
  • Scale: $399
  • Enterprise: $599

Quick Overview:

Are you already a credit expert? Then let me introduce you to the most advanced credit repair software to ever exist. Powered by Amazon Cloud, Credit Repair Cloud allows you to escape your 9-5 job and start a profitable credit repair business. With their intuitive and user-friendly software, you will land clients with ease and assist them in the credit repair process.

Credit Repair Cloud Software Review: Your solution to helping others repair their credit.


Standout Benefits: 

  • Straightforward & Transparent Monthly Pricing
  • A Business that Scales
  • Top Notch Customer Service
  • Cloud Based Software so there is nothing to install
  • 30-Day Unlimited Use Free-Trial. Test it out yourself.
  • 24/7 Account Access
  • 100+ Dispute Letters to use with your clients
  • Robust Client & Affiliate Portal

If you are a fanatic about personal finance and have an itch to help others solve complex credit problems, then this is the perfect software for you. Again, this is a Software platform that allows you to scale your business with ease. Let Credit Repair Cloud handle the technical problems, while you interact directly with your clients who are relying on you to fix their credit. However, starting a business is not for the faint heart, so expect to put in long-hours and be ready to learn. But, if you are ready to escape your 9-5 and become a profitable business owner, then this credit repair software warrants some consideration. After all, enjoy a free 30-day unlimited use trial.

5. Turnscor

Price: $40

Quick Overview:

Turnscor was developed with the Average American in mind. This credit repair software is developed to optimize long-term results, not just a quick 10-15 credit score increase. Since 2011, Turnscor has helped thousands of Americans understand their credit and successfully repair it. But, let me make one thing clear, Turnscor is a program that requires time and attention, they are dedicated to educating each one of their members. With a long-term mindset, the positive effects of long-term strong credit far outweigh the short-term credit score increases. So, if you are not ready to commit your time and energy, then it is best if you select another credit repair software program.

Standout Benefits: 

  • Build Long-Term Positive Credit History
  • One of the Cheapest options on our list of the Best Credit Repair Software Programs
  • Robust Video Library to educate you
  • Easy-to-use and Personalized Dashboard to monitor your progress

As you can see, Turnscor is not a quick solution to your dire credit problems, but depending on how severe your credit problems actually are there may not be a solution besides working with a credit repair company. Turnscor is the best option for individuals who want to truly understand the credit repair process. I can promise you one thing, Turnscor will make sure you know the ins and outs of repairing your credit and the benefits of having a long-term credit mindset.

6. Credit Detailer

A simple way to solve your credit repair questions.


  • Personal Edition: $399 Lifetime Access
  • Professional Edition: $99 Lifetime Access

Quick Overview:

Credit Detailer is a bi-lingual (English & Spanish) credit repair software. While this credit repair software is not the most user-friendly, it still gets the job done. If you are looking for a software that helps with handling credit reporting errors, then this is a safe option.

Standout Benefits: 

  • Offered in both English & Spanish
  • Reputable Company that has been in the credit repair industry for over 15 years.
  • Auto-Populating Letters – Save time as you file disputes
  • Wide selection of educational content for you to delve deep into the credit repair process
  • Enjoy a Free 7 Day Trial
  • Automatic Progress Tracker

As they tout, Credit Detailer is a simple credit repair software that can be used by anyone. If you are looking for some quick and general fixes, then the Credit Detailer is a good bet; however, recognize that it is a bit more expensive than we like to see in the credit repair industry.

How to Choose the Top Credit Repair Software Program (5 Things To Consider)

Choosing a credit repair software program is not all that difficult. It comes down to few factors: Price, Reputation, Results, Customer Service, & Security

1. Credit Repair Price

Ultimately, you want to select a credit repair software program that aligns with your financial needs and goals. Remember, these are all flat fees, while working with a credit repair company usually comes with a monthly subscription.

2. Industry Reputation

Apart from the price, you want to select a software program that is reputable within the credit industry. Fortunately, our top choices for the best credit repair software programs are all well respected within the credit industry. After all, most of them have been around for 10 years or more.

3. Results

While they legally cannot guarantee results, you need to dive deep into the customer reviews. You want to choose the best credit repair software that consistently delivers results for customers. On each website, you can easily read and view testimonials, this is the best place to start.

4. Customer Service

Above all, you want a company that provides top notch customer service. Repairing your credit is a long, complex, and arduous process. You want to make sure each software program provides the resources for you to connect and speak to credit experts.

5. Security

Finally, you want to ensure the software program you select follows best cyber security practices. Remember, repairing your credit involves you revealing personal information, so make sure the Credit Repair Software is encrypted and implements security practices to safeguard your information.

Alternatives: Are there Any?

While utilizing credit repair software is a great option for many facing credit problems, it is also worth considering partnering with an established credit repair company, such as Lexington Law. A credit repair company will save you time, energy, and will allow you to avoid the overall hassle of repairing your credit on your own. If you are looking for a quicker solution, then working with a Tradeline Company is a great opportunity. Backed by a team of experts, a reputable credit repair company will handle filing dispute letters, will consult you on your credit problems, and will do the actual labor behind repairing your credit. If you are working, have a family, and are fine paying a monthly subscription, then working with a credit repair company is the best financial decision for you.

Summary: Best Credit Repair Software

As you can see, using credit repair software is a great way for you to improve your credit score; however, results may vary. Utilizing credit repair software is best for those who want more control over the credit repair process and or do not feel comfortable outsourcing the work to a team of professionals. At the end of the day, it is your credit score, but to maximize your results and to increase your chances of success, turn to either a professional or use one of the software programs we reviewed today.


Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, The Huffington Post,, Moneyunder30, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.