Best Credit Repair Software (2023 Guide)

Written by Kim PinnelliUpdated: 7th Feb 2023
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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.

With $14.3 Trillion in consumer credit debt, American’s need financial solutions. Fortunately, the digital age has made it easy for American’s to improve their credit score, pay off debt, and avoid credit problems.

While we recommend partnering with one of the best credit repair companies, some people prefer a “do-it-yourself” approach to repairing their credit and improving their credit score.

If this is you, then please be careful and pay attention.

What is Credit Repair Software?

As the name suggests, credit repair software is designed to help consumers repair their credit. Credit repair software helps consumers remove negative items from their credit report, analyze their overall ‘credit health,’ and points them in the right direction as they begin to resolve their underlying credit issues.

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.

But remember, not all credit repair software is created equal. Some are better than others, so it is important you read the fine print. 

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.

What is the Best Credit Repair Software? 

If you are looking to repair your own credit then the best credit repair software is Experian Boost. On average, this software will increase your credit score by 13 points. However, if you are looking to start a credit repair business, then Credit Repair Cloudis the best. 

At a Glance: Best Credit Repair Software

Finally, the wait is over. These top picks are the best of the best. Find the Best Credit Repair Software today.

  • Credit Repair Cloud: Best Business Credit Repair Software
  • Experian Boost: Best FREE Credit Repair Software and Best Overall
  • Credit Magic: Best “Do It Yourself” Software
  • Personal Credit Repair Software: Best for Educational Resources
  • Turnscor: Best for User Experience
  • Credit Detailer: Best Bi-lingual Credit Repair Software

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!

The Best Credit Repair Software

#1. Credit Repair Cloud

A Review of Credit Repair Cloud


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

What We Like:

Are you ready to launch a PROFITABLEcredit repair business? Then let me introduce you to the most advanced business 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.

This is the best credit repair software for professionals and aspiring entrepreneurs.

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.

Ready to Use the Best Business Credit Repair Software? Read our Credit Repair Cloud Review. Find out how this powerful software solution has minted more millionaires than you can count.

2. Experian Boost

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

Price: Free

What We Like:

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 is the best FREE Credit Repair Software with no monthly fees.

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. 

>> More: Read our Experian Boost Review.

3. Credit Repair Magic Software

Credit Repair Magic: Top Credit Repair Software


Price: $97

What We Like:

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.

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.

4. 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.

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 credit repair.

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 Software Price

Ultimately, you want to select a 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. Features 

Some credit repair software offers more than others; however, the best credit repair software will help you remove (from your credit report): 

Above all, safe credit repair software will show you step-by-step what you need to do. Apart from standard instructions, video tutorials is sometimes needed to really drive home important aspects of disputing an error on your credit report.

3. 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.

4. 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.

5. 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.

6. 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  Software is encrypted and implements security practices to safeguard your information.

Alternatives to Credit Repair Software

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 or Credit Saint

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 one of the best tradeline companies is for you. Purchasing a tradeline allows you to piggy back off of someone else’s credit and benefit from their strong habits, such as making payments on time. 

Backed by a team of experts, credit repair companies 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.

Bottom Line: 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.


Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.