Credit Repair Cloud
Credit repair software made simple
About Credit Repair Cloud
Credit Repair Cloud is a cloud-based CRM and dispute automation platform for credit repair businesses. It imports client credit reports, flags errors, generates dispute letters with built-in AI, and handles client onboarding, billing, and team management. It also bundles business training aimed at people starting a credit repair company.
Pros & Cons
Pros
- Purpose-built for credit repair, covering the full workflow from credit report import to mailed dispute letters
- AI-generated dispute letters plus a large letter library reduce manual drafting
- One-click credit audits help convert leads into paying clients
- Built-in billing, client portal, and affiliate tracking replace several separate tools
- Extensive training and an active user community for newcomers to the industry
- 30-day free trial before committing
Cons
- Business plans start at $179/month, which is steep for small operators
- Heavy upselling of training, challenges, and add-on services
- Some users report billing and cancellation friction
- Settled a CFPB enforcement action in 2024 ($3M in penalties) over helping clients charge illegal advance fees, so compliance with the Telemarketing Sales Rule is on you
- Niche tool with little use outside the credit repair industry
Key Features
Dispute Wizard
Imports credit report data, identifies negative items, and walks you through creating disputes for each bureau.
Letters by AI
Generates unique dispute letters with built-in AI, alongside a searchable dispute letter library and Letter Finder.
One-click credit audit
Produces a client-facing credit audit report from imported data to turn leads into paying clients.
Cloud Mail and batch printing
Prints and mails dispute letters in one click, or batch-prints letters for the whole client list.
Client portal and onboarding
Secure client access, digital client agreements, and an optional private-label client portal.
Lead capture and affiliate portal
Pre-built lead capture page and an affiliate portal to track referral partners such as mortgage brokers and realtors.
Billing and invoicing
Automates client payments and invoicing, with email automations for updates, nurturing, and follow-ups.
Team and task management
Business dashboard, tasks and events, team roles, and client messaging in one workspace.
Integrations and API
Zapier and API access for connecting the CRM to other business tools.
Pricing
- Up to 3 friends and family members
- 1 user
- Unlimited affiliates and leads
- All core dispute and CRM features
- Up to 300 active clients
- Up to 3 users
- Client billing and payments
- Email automations
- Zapier and API automations
- Add a team member or 100 clients for $50/month
- Up to 600 active clients
- Up to 6 users
- Private-label client portal
- Add a team member or 100 clients for $40/month
- Up to 1,200 active clients
- Up to 12 users
- Private-label client portal
- Add a team member or 100 clients for $30/month
- Up to 2,400 active clients
- Up to 24 users
- Private-label client portal
- Add a team member or 100 clients for $20/month
Best For
Starting a credit repair business
New operators get software, letter templates, and training to sign and serve their first clients.
Scaling an existing credit repair agency
Teams automate disputes, billing, and client updates to handle hundreds or thousands of active clients.
Mortgage, realtor, and tax professionals
Referral partners improve client credit scores so more borrowers qualify and deals close.
Repairing personal or family credit
The Personal plan lets individuals work disputes for themselves and up to three family members.
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