Best Personal Credit Repair Software Options!

The best personal credit repair software is a middle ground that provides some guidance while allowing you to work at your own pace without direct input from a live professional.

If you don’t want to work with a credit repair specialist or service, you don’t necessarily have to do the legwork on your own entirely.

Some free options are available, but the more comprehensive programs will cost you a bit, and most are still cheaper than many reputable credit repair services.

How Can the Best Personal Credit Repair Software Help?

The best personal credit repair software will help you analyze your three credit reports to identify potential problems. They may walk you through the process of disputing inaccurate or incomplete information on all three of your credit reports.

You can also expect a comprehensive credit repair program to provide further recommendations for improving your credit scores.

While we provide a lot of instruction on cleaning up your credit for free, some personalized guidance may speed up the process. It can help you spend time on credit repair strategies that will most likely pay off for your unique credit profile. That’s where credit repair software and professional services may come into play.

To help you find the best personal credit repair software options quickly, we created a list of reputable programs with great value for many consumers. Consider our short reviews as introductions to some of your best options if you choose to go this route.

Turbo by Intuit

Do you file your taxes with TurboTax? If so, the free Turbo app may help you analyze and improve your credit for free. In addition to providing a free view of your credit score, it will verify your income through past income tax filings. That allows the app to provide the following information online or through a mobile app:

Credit score
Debt-to-income ratio
Verified income

With that information, the mobile app can help you determine what loans and credit cards you’re most likely qualified to secure right now. It also allows you to select a financial goal and work toward achieving that goal. The app will provide basic suggestions for improving your credit and reaching those goals.

There are some clear benefits to using Turbo:

It’s always free
It analyzes your income as well as credit for a more comprehensive view of your financial life
It includes a credit score in addition to credit repair suggestions

The downside is this program won’t help you file credit report disputes or analyze the details within your credit report. Even though this is one of the best personal credit repair software options, you may need further guidance from our services or another credit repair software option for that help.

Cost: FREE

DisputeBee

Cost: $39 per month

The first step to credit repair is always to dispute any inaccurate or incomplete information on all three of your credit reports. DisputeBee makes that easy by generating dispute letters on your behalf.

You import your credit reports, click the accounts you want to dispute, and print out the dispute letters generated on your behalf in just minutes. Slip them in the mail and wait to see how the credit bureaus respond.

If you need to generate response letters to the credit bureaus in the process of having information removed from your reports, this credit repair option will help you generate those letters as well. You will have more professional correspondence throughout the process.

The advantages of using DisputeBee include:

Fast, easy import of all three credit reports
Credit scores for all three credit bureaus
Automatically generates dispute letters on your behalf
Sends dispute letters to the credit bureaus and the credit agencies
Combines all credit report disputes into one letter for each credit bureau – fewer letters to mail
Print and mail is fast and easy

The potential disadvantages include:

It only helps with dispute letters, so it’s not a comprehensive credit repair resource.
The cost can add up if you have extensive correspondence with the agencies and continue paying the monthly fee.

Personal Credit Software – Professional Version

Cost: $400 (often discounted to $199.97)

Being one of the best personal credit repair software options will provide templates that help you generate dispute letters for inaccurate or incomplete information on all three of your credit reports. It claims to raise your credit score within 30 days and save you thousands of dollars on future financial agreements like a home mortgage or auto loan.

There are some clear advantages to using this program:

You can import all three credit reports into the program quickly.
It requires less manual input than some competing credit repair software options.
It helps you dispute all types of information on your credit report legally.
The templates speed up the process of filing disputes.

There are also some potential downsides to keep in mind:

No credit repair program can guarantee that you will save thousands of dollars in the future. How much you save depends on many factors, including your current credit score, the amount of disputable information on your credit report, and your current and future financial decisions.
Disputing inaccurate information on your credit report is only one strategy to rebuild credit. It’s the starting point, but it’s not the only strategy most consumers need to implement.
You can dispute information on your credit report without paying $200-$400 for templates. If you struggle to file disputes successfully, this might help, but you don’t need to spend that money if you use online dispute forms directly through the credit bureaus.

Ovation Credit Repair

Cost: $89 initial cost, then $89 - $100+ per month

Ovation is a blend of one of the best personal credit repair software options and a live credit repair specialist. You sign up for free and receive copies of your credit report and a free consultation with a dedicated credit analyst. The analyst will call you to discuss your credit report and what they can do to help you improve your credit scores. You can choose to continue with the paid credit repair service or walk away with the information provided or for free.

The advantages to using Ovation for credit repair include:

Access to a credit repair specialist
All dispute letters are drafted and mailed on your behalf
You decide what accounts get disputed
Personalized Credit repair strategies to your individual needs
No dramatic promises of fast credit repair – realistic promises

The disadvantages of using Ovation include:

The monthly cost adds up fast if you continue to use the personalized service
It’s more of a credit repair service than a software once you get past the initial free consultation

While the most basic credit repair strategies are always the same, your approach to cleaning up your credit is personal. You may spend more time disputing inaccurate information than another consumer, and you may have no late payments to overcome while poor payment history cripples someone else.

Your credit history is unique, and your credit repair plan should reflect your individual needs.

As you explore our best personal credit repair software recommendations, keep all of the following in mind:

Your Budget – What’s your target price range? Do you have a maximum amount that you can spend on credit repair?
Cost Comparison – How will your chosen credit repair software stack up to the cost of a dedicated credit repair specialist in your area or online?
Preference – Each software has its own setup and primary goals. Make sure the program matches your unique credit repair needs.
Time investment – Some programs will require you to do more work on your own than others. Think about how much time you have to invest before selecting a program.

Even the best personal credit repair software won’t do everything for you. It will provide some guidance through the process so that you don’t feel alone. Keep in mind that we’re also here to provide credit repair support as needed.

Select the Best Credit Repair Software for Your Needs!

As you explore our best personal credit repair software recommendations, keep all of the following in mind:

Your Budget – What’s your target price range? Do you have a maximum amount that you can spend on credit repair?
Cost Comparison – How will your chosen credit repair software stack up to the cost of a dedicated credit repair specialist in your area or online?
Preference – Each software has its own setup and primary goals. Make sure the program matches your unique credit repair needs.
Time investment – Some programs will require you to do more work on your own than others. Think about how much time you have to invest before selecting a program.

Even the best personal credit repair software won’t do everything for you. It will provide some guidance through the process so that you don’t feel alone.