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6 Popular Credit Repair Software Programs

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In a Nutshell

It’s important to review your credit report for errors, but doing this on your own can be time-consuming and frustrating. This is where credit repair software can help. This user-friendly software can help you find mistakes on your report, generate dispute letters to get errors removed, and even simulate your future credit score based on paying off debt or having mistakes removed. Credit repair software can help you decide which debt to pay off to improve your credit score most quickly. But before you buy credit repair software or hire a credit repair company, let’s have a look at what credit repair software is and how it works.

Written by Attorney Tori Bramble
Updated September 17, 2021

Over one-third of Americans have at least one error on their credit report. Errors can negatively affect your credit score, which lenders use to determine if you’re creditworthy. Having a good credit score allows you to access loans, credit cards, and home mortgages at good interest rates. 

It’s important to review your credit report for errors, but doing this on your own can be time-consuming and frustrating. This is where credit repair software can help. This user-friendly software can help you find mistakes on your report, generate dispute letters to get errors removed, and even simulate your future credit score based on paying off debt or having mistakes removed. Credit repair software can help you decide which debt to pay off to improve your credit score most quickly. But before you buy credit repair software or hire a credit repair company, let’s have a look at what credit repair software is and how it works.

What Is Credit Repair Software?

Credit repair software helps you repair your credit, which means finding and disputing errors on your credit report. This is often done to boost your credit score. There are a few ways to approach credit repair. You can do it yourself or hire a credit repair company to do it for you for a fee. If you're interested in repairing your own credit but you aren’t sure how to do it, you can use credit repair software. This software doesn’t actually repair your credit file, but it helps you find incorrect items on your credit report and dispute them with the credit bureaus. 

Credit repair software provides the tools and basic information you'll need to dispute negative incorrect items on your credit reports so you can fix your own credit. You can use credit repair software even if you're not good with technology. These programs walk you through the credit repair process and teach you how to use the software to boost your credit score. Some programs even give you the option of starting and running a credit repair business, so you can provide paid credit repair services to others and earn extra money. 

If you're uncomfortable using software, you can repair your credit on your own without the software or find a credit repair business to do it for you for a fee.

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Will This Software Actually Raise My Credit Score?

Yes. If used correctly, credit repair software can help you raise your credit score and repair your credit file. Because credit repair software is designed to allow you to do just what a for-profit credit repair company does, it can successfully raise your credit score by helping you remove inaccurate negative items. 

If you have bad credit, repairing your credit can make all the difference in getting a loan you need to buy a home or car. With or without the software, the credit repair process can be time-consuming and frustrating. Use the software only if you are willing to roll up your sleeves and put in the time and effort to do your own credit repair work.

What’s Involved in the Credit Repair Process?

To start the process of removing negative items from your credit report you’ll need to dispute the debts you don’t owe. You can contact and negotiate with your creditors. Some creditors may be harder to deal with than others, and this process can be time-consuming. You may need to send many dispute letters to the credit bureaus to explain and challenge inaccurate items on your credit reports. You can find dispute letter templates online to give you an idea of what one looks like. 

During the credit repair process, you may have to go back and forth for several months with the major credit bureaus and debt collectors to dispute debts you don’t owe and remove mistakes from your credit reports. Some people don't have the time or don’t want to deal with their creditors. And if that’s you, that’s okay. Credit repair companies can work on your behalf to fix errors on your reports, saving you time and aggravation. 

But if you want to do it, stick with the process of filing disputes with each of the credit bureaus on your own, and over time you’ll see positive results. Whether you repair your credit yourself or choose a company to do it for you, it could take several months to a year for you to see significant improvements to your credit score. Patience is key.

It’s important to remember that just like a for-profit credit repair business, no credit repair software can guarantee specific results. This is because the major credit bureaus each make decisions about what they will remove from your reports. They act on information you provide about what you think is inaccurate information on your credit reports, such as charge-offs and late payments. 

Credit repair programs use the laws to ensure your credit report is accurate and up to date. By law, items on your credit report must be accurate. Creditors and credit bureaus aren’t required to remove negative information from your credit file if it is correct. If your credit report doesn’t contain errors, then no credit repair company or software can legally get around that. If the information on your credit report is correct, no credit dispute will remove it. In this situation, consider negotiating with your creditors on your own or hiring a lawyer to persuade them to remove negative items from your credit report. 

There are many popular credit repair software programs to choose from. They range widely in price and features. Some are free, while others cost several hundred dollars. Here we provide you with a list of popular credit repair software programs from what are generally considered reputable companies. Our listing of these programs is not a recommendation or endorsement of the individual credit repair software. You should research each company and software program to decide which is best for you based on your expectations, needs, and budget.

When considering software, seek out third-party, unbiased reviews. It's always best to look at a review from a consumer who actually used the program. These usually give you a good idea of how easy the program is to use. And it's wise to generally disregard positive reviews on the company's own website. Below we'll talk about some more well-known credit repair software programs and other tools used by both individuals and credit repair professionals.

Experian Boost

Experian Boost is a free and very well-known and respected tool because Experian is probably the largest and most well-known of the credit reporting agencies. Experian Boost is not actually credit repair software. 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. 

It's important to know that 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 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 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.

Intuit Turbo

Intuit Turbo is another free tool you can use to help manage your credit. It’s brought to you from the same company that makes TurboTax. Intuit Turbo is not credit repair software because it doesn’t give individuals any repair tools. For example, you can’t start a credit dispute with one or all of the credit bureaus through the software. But Intuit Turbo provides a lot of information to help you manage your finances and pay off your debt. When done together, these will help to repair your credit and raise your credit score. Intuit Turbo also offers personalized financial advice on how to reach your financial goals. 

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.

Written By:

Attorney Tori Bramble


Tori Bramble is a bankruptcy attorney with over 20 years of experience. She is licensed to practice in Maryland and Virginia and has helped over 1,500 clients discharge thousands of dollars and find debt relief by filing Chapter 7 or Chapter 13 bankruptcy. A New York native, Tori... read more about Attorney Tori Bramble

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