How much does credit repair software cost?

People with bad credit history face many restrictions in their financial life, which often reflects on many parts of their life in general. But what’s even worse than having bad credit, is finding out that your credit score has gone bad by mistake. This could happen as a result of typos or identity theft - but you’re the one affected negatively in the end.

When it comes to repairing your bad credit, you can either do it yourself or hire an agency to fix it for you. The first option needs some guidance, and the second one can be quite costly. Which makes a credit repair software a good middle ground to start from.

Credit repair software: how much can you expect to pay

To understand how much, you’ll need to pay for credit repair software, you should first know that there is more than one option to choose from. Each option comes with its own features and related costs. You have three options:

Comprehensive features for individuals or businesses

You can find software that provides you with comprehensive features. When you choose software such as DisputeBee, you’ll find two different packages: one for individuals and one for businesses. Both packages give you automated credit repair solutions, which will give you a step-by-step guide for creating dispute letters to different agencies and institutions. By following their guidance, you’ll be able to remove negative items and increase your credit score easily. Depending on your use, the packages will differ in their cost.

A one-time use can cost up to $25, while an individual comprehensive package that covers template letters, personal disputes to different institutes, dispute trackers, and progress alerts can start from $30 a month, but can get well into the range of $300+ depending on the provider. Comprehensive packages for businesses can start from $100 per month and rise all the way up to $800. Some packages offer premium services that enlist the help of a credit repair expert to walk through your process, and these premium services can cost hundreds of dollars.

Basic features

If you don’t want to have comprehensive services with an overload of templates and features that you won’t be using, you can opt for simpler software that gives you the basic features you need. Such software will give you a sample template and give you simple instructions pointing out the mistakes in your letter, what to fix, and how to send your credit report. These are much cheaper than the comprehensive packages, usually not exceeding $30 in price.

Guidance to DIY your credit repair

On the other hand, you can go for DIY solutions that will cost you $0. If you still need guidance and you have no idea where to start on your own, look for very simple software that will give you one sample dispute letter and instructions to use. This kit can cost around $1.99.

Finding out that you have bad credit can be quite upsetting and unfairly restricting. To repair your bad credit, you can find credit repair software to cover your needs. The cost you’ll endure depends on the package you’ll purchase. Comprehensive packages offer you a wide range of services, yet, they’re the most expensive. Software with basic features can be quite affordable, and DIY solutions will cost you even less.