Best Credit Repair Software In 2024: 6 Options Ranked & Reviewed

In today’s digital age, managing and repairing your credit has never been easier thanks to the availability of credit repair software. With up to two-thirds of individuals facing errors on their credit reports that can negatively impact their scores, having the right tools to track, manage, and fix these inaccuracies is crucial. When it comes to choosing the best credit repair software in 2024, Dovly AI stands out as a top contender. In this article, we will compare Dovly AI’s free AI credit engine with other leading credit solution companies to help you make an informed decision on the best option for your credit repair needs.

  • Top Choice: Dovly AI

    Dovly AI is the first AI-powered credit engine, a digital platform that monitors, (re)builds, and protects credit for free. Dovly has helped members boost their score by 5,000,000+ points1. Dovly AI offers both a website and mobile app for customers to use to interact with its services and help them achieve and maintain good credit. Enroll for FREE here.

Why Choose Dovly AI?

Smart Error Resolution

We go beyond credit monitoring. What good is knowing your credit if you don’t know how to improve it? Dovly AI monitors, (re)builds, and protects your credit.

Free Credit Solutions

Dovly AI offers the only free AI-powered credit improvement solution in the industry. We show you the items dragging down your score, you tell us which of those you want to dispute, and we take it from there. All you have to do is sit back and watch your score increase. 

Free

We’ve helped our members raise their scores by 5,000,000+ points1

Best Options in 2024

Dovly, with its AI-driven approach, affordability, and positive customer reviews, is a great option for those seeking effective credit solutions without breaking the bank. If you’re looking for the best company to work with, it’s a good idea to compare your options to find the one that’s best for you.

  • Dovly AI

    Dovly AI features an AI-driven credit engine, offering a blend of credit monitoring, education, and credit improvement features that are personalized to each member on the platform. Dovly AI’s Free plan provides a monthly credit dispute and monthly updates to your TransUnion report and Vantage Score 3.0. The Premium package includes unlimited automated disputes with all three major credit bureaus, real-time credit monitoring, real-time credit report updates, and $1 million of identity theft insurance. Dovly AI’s standout feature is its affordability, priced at just $39.99 monthly or $99.99 annually.

  • Key Features

    • Boost your score by 79 pts1.
    • The Free plan is 100% free. No credit card required.
    • Over 20,000 reviews (5 star rating!)
    • Smart AI credit engine proven to optimize results
    • Enroll in minutes online or with the app – no call center agents

  • Pricing Plans

    Dovly AI Free – $0. No credit card required
    Dovly AI Premium – $39.99/mo or $99.99/year
    View Plans >>

Pros

  • Free: The basic Dovly AI plan is completely free. The paid plan is among the lowest priced options available in the industry.

  • Intelligent AI system: Dovly AI is not just a credit repair app. The AI engine creates a personalized plan for you to optimize results, in an automated and easy to use way.

  • Signing up doesn’t hurt your credit score.

  • Highly rated app with over 20,000 5-star ratings

  • Wide range of removable items: Dovly has disputed more than 500,000 inaccurate items, ranging from bankruptcies, late payments, repossessions, collections, late payments, and charge-offs.

  • 24/7 progress tracking: Check your credit progress at any time.

  • Strong fintech partnerships: Dovly AI has partnered with leading financial companies like Visa, MoneyLion, Chime, and Varo Money.

  • Nationwide coverage: Dovly AI serves residents of all 50 states, the District of Columbia, and all 5 U.S. territories.

Cons

  • While the Premium plan provides weekly report updates, the free plan only provides monthly report updates.

  • While the Premium plan disputes negative items with all 3 bureaus, the free plan disputes with TransUnion only.

  • The Credit Pros

    The Credit Pros software offers a Success Plus plan that claims to help with credit repair but also focuses on building your credit. With initial set-up fees and monthly costs, the Credit Pros are on the more expensive side when it comes to repairing your credit. They also faced backlash when in 2012, the attorney general found The Credit Pros guilty of unlicensed credit repair activities in Idaho and the company had to pay $1,000 in restitution fees. 

  • Key Features

    • One-on-one action plan with a certified FICO Professional
    • ID theft restoration and insurance
    • Cease and desist letters to collection agencies
    • 24/7 access to the client portal
    • Debt validation letters to creditors
    • Goodwill letters to creditors
    • Unlimited dispute letters

  • Pricing Plans

    Plans range from $19 – $145 a month

Pros

  • The Credit Pros are accredited by the Better Business Bureau with an A+ (the highest rating possible)

  • They offer a 90-day 100% money-back guarantee

  • Unlimited credit disputes each month

Cons

  • The initial set-up costs and the monthly fee ($119) of The Credit Pros are on the higher side

  • The Credit Pros does not currently offer services in 4 states (Maine, Minnesota, Oregon, and Kansas)

  • In 2012, the attorney general found The Credit Pros guilty of unlicensed credit repair activities in Idaho and the company had to pay $1,000 in restitution fees

  • Dispute Bee

    DisputeBee’s cloud-based software offers services for consumers as well as B2B opportunities. DisputeBee’s complicated setup process, which includes signing up for a paid membership to a third party, isn’t the most user or budget-friendly option for improving your credit score.

  • Key Features

    • Bulk print letters
    • Pre-written letter templates
    • Send mail via API
    • Import credit reports
    • Sign up affiliates for your business
    • See credit report status monthly

  • Pricing Plans

    Plans range from $49 – $129 a month

Pros

  • Helpful tutorials

  • Easy dispute process & numerous dispute templates

  • 90-day money-back guarantee

Cons

  • High price

  • Complicated setup process

  • Requires signing up with a third party service

  • CreditVersio

    CreditVersio is a new credit repair software that offers a free app that claims to be AI but seems to be much more DIY. CreditVersio helps you draft your dispute letters but does not print or mail them for you. You’ll also need to sign up for a paid third-party credit service to receive your report and monitoring alerts.

  • Key Features

    • Link your credit report and view any inaccurate information.
    • View and send dispute letters on any negative account you see.
    • Track your disputes with all three credit bureaus.
    • See your credit score improve and get personal advice.

  • Pricing Plans

    Plans range from $19.95 – $29.99 a month

Pros

  • DIY credit repair backed by an AI-powered tool

  • Multiple packages based on your budget

  • Lower-priced credit repair options compared to other credit repair options

Cons

  • Credit Versio is a new company that doesn’t have as much social proof or third-party ratings to fully assess the company’s performance

  • The credit repair is mainly assisted through a software tool, with minimal human intervention (Credit Verio employees)

  • You have to sign-up for a 3rd party service

  • Lexington Law

    Lexington Law is a well-known credit repair service that disputes inaccuracies on reports. Despite its longevity, the company faces criticism for its high pricing. Lexington Law’s reputation has been tarnished by legal issues, with lawsuits filed by the Consumer Financial Protection Bureau and Minnesota’s Department of Commerce, alleging deceptive marketing practices. The parent company, PGX Holdings Inc., declared Chapter 11 bankruptcy in June 2023, following the CFPB lawsuit.

  • Key Features

    • Disputes sent to credit bureaus
    • Creditor interventions
    • Report analysis
    • TransUnion FICO score
    • ID theft insurance
    • Monitoring alerts

  • Pricing Plans

    Plans range from $59.95 – $139.95 per month

Pros

  • Get advice from a team of experienced lawyers and paralegals

  • Has been in the industry since 2004

  • Offers free credit assessment

Cons

  • Limited monthly disputes and creditor interventions

  • One of the most expensive credit repair companies

  • Other charges (e.g., pulling your report, late fees)

  • Go Clean Credit

    Go Clean Credit offers a variety of plans that range from DIY to speaking with an attorney about your credit needs, but their lack of transparency and extremely expensive $199 set up fee is deterring. Go Clean Credit’s most popular plan also has a fixed price ($99/mo) with a 4-5 month commitment that may not be realistic for everyone. 

  • Key Features

    • Customize for your Needs
    • 3-5 Month Process
    • Full-Service Power in Your Hands
    • Free Cloud App Account

  • Pricing Plans

    Service fee $199 and then $99 a month

Pros

  • Great information for consumers on their site

  • They have three different tiers of service

  • They also validate debt

Cons

  • Lack of transparency

  • Not BBB accredited 

  • Expensive

Dovly helped 500,000+ Americans take control of their credit scores and achieve financial freedom

  • Since using Dovly my credit has improved 63 points! I have been able to file disputes for all inaccuracies on all 3 of my credit reports and most have been amended in my favor. This app is incredible and I HIGHLY recommend!!

    – Alexx

  • Dovly provides a way for the little people to do big things when it comes to credit. I suggest anyone under a 700 for a credit score to invest their time in Dovly. TRUST me it’s worth it.

    – Timothy

  • I’ve been extremely grateful and impressed with dovly inc. with all the help I’ve received with my credit report and with rebuilding. I tell everyone I speak to about anything credit wise about Dovly. I a million times over recommend them. Thanks Dovly and team

    – Allen

    FAQ

    What Is A Credit Repair Software?

    A credit repair software is a digital tool designed to assist individuals or professionals in improving their credit scores. It typically offers features such as identifying errors on reports, generating dispute letters, tracking progress, and providing educational resources to help users navigate the credit repair process more efficiently.

    How Does That Work?

    Credit repair softwares work by automating and streamlining the credit repair process. It typically starts by pulling a user’s credit report, identifying errors or negative items, and generating dispute letters to challenge inaccuracies. The software may also track the progress of disputes, provide updates on credit score changes, and offer educational resources to help users understand and improve their credit health. Overall, it aims to simplify and expedite the process of repairing credit by leveraging technology and data analysis.

    How Can A Credit Repair Software Help You?

    A credit repair software can help you by automating various tasks involved in the credit repair process. It assists in identifying errors on your report, generating dispute letters, tracking the progress of disputes, and providing educational resources to improve your credit health. Essentially, it streamlines the process, saving you time and effort while working towards improving your credit score.

    What Are the Benefits of Fixing Your Own Credit?

    Fixing your own credit offers several benefits. Firstly, it saves money since you’re not paying for professional services. Additionally, by taking control of the process, you gain a deeper understanding of your credit situation and how to manage it effectively in the future. It empowers you to dispute inaccuracies directly with credit bureaus, potentially resulting in faster resolution. Moreover, successfully improving your credit score can lead to better interest rates, loan approvals, and overall financial stability in the long run.

    How Much Does It Cost?

    The cost of credit repair software can vary depending on the provider and the features included in the package. Generally, you can expect to pay anywhere from around $20 to $100 per month for credit repair software subscriptions. Dovly AI offers the first free credit care solution for individuals looking to get on a path to better credit. No credit card required when signing up. Dovly’s Free plan provides a monthly TransUnion report and score, as well as manual dispute selection with TransUnion only. We also offer a Premium subscription with additional benefits such as our Smart AI engine proven to optimize score improvement, enhanced daily credit monitoring, unlimited AI-powered disputes with all 3 bureaus, weekly TransUnion report and score, and many more features for those looking for more extensive credit care.

    Read More FAQs

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