{"id":358540,"date":"2022-01-22T05:00:00","date_gmt":"2022-01-22T12:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=358540"},"modified":"2022-04-18T13:17:54","modified_gmt":"2022-04-18T19:17:54","slug":"what-is-credit-repair-software","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-repair\/what-is-credit-repair-software\/","title":{"rendered":"What is credit repair software?"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/credit-repair-software-featured.gif\" alt=\"A man looks at his credit card and phone.\" class=\"wp-image-358543\"\/><\/figure>\n\n\n\n<p>Credit repair software is made up of credit trackers, cleaning kits and simulators that can help identify errors on your credit report.&nbsp;Credit repair software can find mistakes on your report or file credit disputes.  <\/p>\n\n\n\n<p>If you\u2019re considering the do-it-yourself option, keep in mind that there will be a learning curve with understanding how to use some credit repair software. Before you download a program, buy software or hire a service, take a look at what credit repair software is, and how it works. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-credit-repair-software-work\">How does credit repair software work?<\/h2>\n\n\n\n<p>Credit repair software pulls data from your credit report, provided by <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.equifax.com\/personal\/credit-report-services\/\" target=\"_blank\">Equifax<\/a>, <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.experian.com\/help\/\" target=\"_blank\">Experian<\/a> and <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.transunion.com\/credit-help\" target=\"_blank\">TransUnion<\/a>. It allows you to track activity, catch errors and send <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/how-to-dispute-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">dispute letters<\/a> to credit card companies, mortgage lenders and other creditors.&nbsp;<\/p>\n\n\n\n<p>There\u2019s no shortage of\ne-books, DVDs, credit score trackers and simulators available. To choose the\nbest option for you, consider the seriousness of your situation, goals,\ntimeline and financial means. <\/p>\n\n\n\n<p>Let\u2019s start by\nreviewing the three main types of credit repair software and how they match up\nagainst a professional credit repair service.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-credit-repair-software\">Types of credit repair software <\/h2>\n\n\n\n<p>There are three types of credit repair software: credit score trackers, cleaning kits and credit simulators. Some platforms can be installed on a local hard drive, while others are cloud-based (meaning data is stored on a cloud network).  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-score-trackers\">Credit score trackers <\/h3>\n\n\n\n<p>Credit score trackers or credit score monitors connect to the three credit bureaus. These trackers oversee your credit reports and detect activity that can lower your credit score. For instance, they might send you a notification of potential delinquent payments, alert you about <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-report\/how-long-negative-items-stay-on-credit-reports\/\" target=\"_blank\">negative items<\/a> or message you about credit pulls and even <a href=\"https:\/\/www.creditrepair.com\/blog\/identity-theft\/identity-theft-vs-identity-fraud\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">identity theft<\/a>. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1563\" height=\"1549\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features.png\" alt=\"Credit score tracker features include credit score monitoring, notifications of late payments, potential identity theft detection, and duplicate charge identification.\" class=\"wp-image-358544\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features.png 1563w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-150x150.png 150w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-300x297.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-768x761.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-404x400.png 404w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-450x446.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-600x595.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-900x892.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/1-credit-score-tracker-features-1400x1387.png 1400w\" sizes=\"(max-width: 1563px) 100vw, 1563px\" \/><\/figure>\n\n\n\n<p>With easy access to your\ncredit reports, the software can be viewed on a home computer or mobile\nphone.&nbsp;<\/p>\n\n\n\n<p><strong>Pros:<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>Inexpensive, with free versions available in some instances.&nbsp;<\/li><li>Provide user-friendly access to credit report activity.<\/li><li>You can receive notifications for credit score changes. &nbsp;<\/li><li>Usually available as a mobile app.<\/li><\/ul>\n\n\n\n<p><strong>Cons:<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>Limited advice for credit score improvements.<\/li><li>The software has minimal features and functions.<\/li><li>Some credit score trackers include monthly service charges.&nbsp;<\/li><li>These are not the best option for borrowers with severe credit issues.&nbsp;<\/li><\/ul>\n\n\n\n<p><strong>Who\nis it for:<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Credit score monitors\nare ideal for borrowers who are performing regular credit maintenance. They\noffer peace of mind by giving you regular access to your credit report. If you\nhave more severe credit issues, you may want to try a credit repair cleaning\nkit, which we\u2019ll discuss next.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-repair-cleaning-kits\">Credit repair cleaning kits<\/h3>\n\n\n\n<p>Credit repair cleaning\nkits are software, books and audiovisual materials that help you fix past\ncredit mistakes by requesting credit reports, understanding scores, identifying\nfraud and submitting dispute letters.&nbsp;<\/p>\n\n\n\n<p>Going one step further than credit score trackers, the kits are a one-stop shop for your credit repair needs.&nbsp; <\/p>\n\n\n\n<p>For example, if a hotel or restaurant billed you twice, a cleaning kit would help identify the charges. You could contact the venue or use a dispute letter template (included in the cleaning kit) to file a complaint with your credit card company or bank. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1563\" height=\"782\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits.png\" alt=\"credit cleaning kits help you to request reports, understand credit scores, identify fraud and dispute credit errors.\" class=\"wp-image-358545\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits.png 1563w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits-300x150.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits-768x384.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits-600x300.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits-450x225.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits-900x450.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/2-credit-cleaning-kits-1400x700.png 1400w\" sizes=\"(max-width: 1563px) 100vw, 1563px\" \/><\/figure>\n\n\n\n<p><strong>Pros:&nbsp;<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>These include multiple features that aid with improving credit.<\/li><li>You make a one-time payment for most materials.<\/li><\/ul>\n\n\n\n<p><strong>Cons:<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>Responsibilities fall on the user to understand credit information.&nbsp;<\/li><li>Credit score improvement resources are generic and not personalized.<\/li><li>The quality of credit repair cleaning kits on the market can fluctuate.&nbsp;&nbsp;<\/li><li>Up-front pricing can be a costly investment.&nbsp;<\/li><li>Resource materials can quickly become outdated.<\/li><\/ul>\n\n\n\n<p><strong>Who\nis it for:<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Credit repair cleaning\nkits are a good option for those that want credit education and want to build\ntheir finances on their own, but learning to use a credit cleaning kit takes\ntime, and results may not be what you\u2019re expecting.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-score-simulators\">Credit score simulators<\/h3>\n\n\n\n<p>A credit score simulator allows you to see how potential purchases, loans and investments will affect your credit score before they happen. The software can examine both the FICO Score and VantageScore to predict how your past and current spending habits will affect you in the future.&nbsp; <\/p>\n\n\n\n<p>For example, if you\u2019re considering purchasing a home, a credit score simulator will calculate if the monthly loan and homeowner association (HOA) payments will be cost-effective. The estimates allow you to see your options before you act. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1563\" height=\"782\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators.png\" alt=\"Credit score simulators predict how potential purchases, loans and investments will affect your credit score.\" class=\"wp-image-358546\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators.png 1563w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators-300x150.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators-768x384.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators-600x300.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators-450x225.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators-900x450.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/3-credit-score-simulators-1400x700.png 1400w\" sizes=\"(max-width: 1563px) 100vw, 1563px\" \/><\/figure>\n\n\n\n<p>Unlike with credit\nchecks, running a simulator doesn\u2019t affect your credit score, so you can\nexperiment with different scenarios to understand the full financial picture.\nHowever, estimates aren\u2019t set in stone and don\u2019t predict the recovery time of\nactions.&nbsp;<\/p>\n\n\n\n<p><strong>Pros:&nbsp;<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>You can see the results of potential financial actions.<\/li><li>These can estimate both your <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\" target=\"_blank\">FICO Score<\/a> and your <a href=\"https:\/\/your.vantagescore.com\/understand\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">VantageScore<\/a>.      &nbsp;<\/li><\/ul>\n\n\n\n<p><strong>Cons:&nbsp;<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>Results may vary depending on the credit model used. &nbsp;<\/li><li>Simulator results are only estimates and aren\u2019t guaranteed. &nbsp;<\/li><li>Free online simulators can be inaccurate and faulty. &nbsp;<\/li><li>Estimates don\u2019t account for financial restraints or recovery time. &nbsp;<\/li><\/ul>\n\n\n\n<p><strong>Who\nis it for:<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Credit simulators are a good idea for those considering making a major purchase, like a car or house. They will give you a snapshot of how your credit score could shift. <\/p>\n\n\n\n<p>If you want to get to the root cause of your low credit score and fix it effectively, hiring a professional credit repair service could be the answer, which we\u2019ll discuss next. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-repair-services\">Credit repair services<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Credit repair services<\/a> manage your credit report and contact credit card companies, lenders and credit bureaus on your behalf. They have experience using credit repair software and are familiar with financial regulations.&nbsp;<\/p>\n\n\n\n<p>Credit repair services do all the heavy lifting tracking scores, help you with finding errors and contacting creditors. This saves you time, stress and money. Think of it as having a personal coach, so the service fees are well spent. Credit repair companies will advise you on <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/goal-strategies\/#smarter\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">smart goals<\/a> for immediate and long-term success.&nbsp;<\/p>\n\n\n\n<p><strong>Pros:&nbsp;<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>You save time by not needing to learn how to use the software.&nbsp;<\/li><li>You receive personalized attention.&nbsp;<\/li><li>You learn to better manage credit and create a financial plan.&nbsp;<\/li><li>Credit repair companies are familiar with the software and finance laws.<\/li><\/ul>\n\n\n\n<p><strong>Cons:&nbsp;<\/strong><strong><\/strong><\/p>\n\n\n\n<ul><li>You are mostly hands-off in the credit process.<\/li><li>Services are not free and can be expensive.&nbsp;<\/li><li>You don\u2019t have direct contact with lenders or creditors.&nbsp;<\/li><li>Results aren\u2019t guaranteed.&nbsp;<\/li><\/ul>\n\n\n\n<p><strong>Who\nis it for:<\/strong><strong><\/strong><\/p>\n\n\n\n<p>A credit repair service is ideal for many kinds of people, from those looking for a quick boost to those who are trying to recover from severe issues like <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/alternatives-to-bankruptcy\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">bankruptcy<\/a>. They\u2019ll help you plan a long-term strategy for improving your credit score.<\/p>\n\n\n\n<p>Now that you\u2019ve\nlearned about the different types of credit repair software, it\u2019s time to\ndecide which is the best option for you.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-best-credit-repair-software-option\">What is the best credit repair software option?<\/h2>\n\n\n\n<p>Credit score trackers,\ncredit cleaning kits and credit score simulators are ideal if you want to\nrepair your credit on your own. They can assist you with self-education and\ntroubleshooting minor issues. But, unfortunately, they don\u2019t account for\nproblematic circumstances that can affect your credit report. <\/p>\n\n\n\n<p>Credit repair services utilize information from experts in the field who are aware of financial regulations and can catch errors that you might miss on your own.&nbsp;Considering working with these pros when you need credit help.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit repair software helps consumers find and fix errors on their credit reports. Find out which option is best for improving your credit score. <\/p>\n","protected":false},"author":74,"featured_media":358547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Credit Repair Software? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Credit repair software helps consumers find and fix errors on their credit reports. 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