Credit Repair Cloud ™ is one of the more popular choices of credit repair software for credit repair company startups. I make this statement after talking to over 4,000 people over the years that have chosen credit repair software. The majority that use credit repair software, use Credit Repair Cloud ™.

Update- Since the publishing of this post the Consumer Financial Protection Board (CFPB) filed a lawsuit in federal court in California alleging that Credit Repair Cloud and CEO Daniel Rosen have violated the Telemarketing Sales Rule (TSR) and the Consumer Financial Protection Act of 2010 (CFPA) by providing substantial assistance or support to credit-repair businesses that use telemarketing and charge unlawful advance fees to consumers. Read more about the effects of the lawsuit, The Lawsuit Against Credit Repair Cloud.

The Problem with Credit Repair Software from Any Company

Be sure to read this whole article because at the bottom I share the biggest and most important challenge you’ll have if you buy credit repair software.

If you choose Credit Repair Cloud ™ or another credit repair software for business, you need to go into it with your eyes wide open. You need to understand that the day you choose to use credit repair software, you are choosing to be in business for yourself but also by yourself. Presumably, all credit repair software companies will teach you how to use their software. They may even give you some pointers on how to build a credit repair business. But there is no way around the fact that you’ll be doing everything yourself and have a very limited and non-scalable business model.

Our Solution- You’re in Business for Yourself but NOT by Yourself. Your credit repair business will have unlimited growth capability.

How Will You Manage Everything and Build Your Business?

I’ve done YouTube videos and written other articles about this topic. Most people don’t realize what it takes to grow a business before they start it. They simply see a huge need in the marketplace for helping people improve their credit scores and just jump right in. Then, and only then, do they realize everything they have to do to set up their business, run their credit repair business, and grow their business.

Our Solution- You are in business the day you get started because we provide everything you need.

Setting Up a Credit Repair Business

You need more than credit repair software from Credit Repair Cloud ™ or another company. The software is only going to make it easier to print out dispute letters.

Merchant Services

But you also need a merchant services company to take debit and credit cards. Not all merchant services companies will work with credit repair companies. Especially if the credit repair company is a startup by an individual versus an entity with a successful business track record. And on top of that, you’ll be paying a monthly fee and a fee per transaction.

Our Solution- We provide merchant services at no cost to you.

Credit Reports

You need a way to pull credit for your client. Credit report brokers will typically not work with credit repair companies. Brokers are partnered with the credit reporting agencies (Experian™, Equifax™, and Transunion™) and the credit reporting agencies don’t want to make it easy on a credit repair company. Credit Repair Cloud ™ and other credit repair software companies tell their credit repair business owners to have their clients open an account with Identity IQ™ or Smart Credit™. This costs the client an additional fee. Then the client needs to give the credit repair company their login credentials so the company can get their credit report. This is clumsy at best and a lot of the time the client understandably objects to the extra fee and giving out their login information.

Our Solution- Credit is pulled for your client at no cost to you.


This is a whole article by itself. Websites, brochures, flyers, videos, phone apps, business cards, social media posting, and far more is all on you. And guess what? This is the most important part of growing a business. How good are you at all of this?

Our Solution- You are provided with a website, social media templates for posting right away, professional-quality videos, a phone app for marketing, and availability to brochures, flyers, folders, business cards, and more.


According to the most recent information we’ve received, Credit Repair Cloud ™ is $179 per month. That of course does not include other monthly costs for maintaining your credit repair business.

Our Solution is less than $300 to start and just $99/month which includes all the services we offer for you to use.

The Most Important Factor You Must Realize Before Buying Credit Repair Software

If you buy credit repair software for your startup credit repair business, the only service you’ll be offering is credit repair (removal of derogatory items). You might laugh at this because that’s exactly what you want to offer. Here’s the problem. There are tens of thousands of other companies offering the same thing. Some of these companies are massive and all of them are more established in the market than you are. How will you compete with them?

Our Solution- you’ll be providing many other services in addition to credit repair to help improve your client's credit score. You’ll have services to share with a client about how to pay down existing debt and budget properly. You’ll be providing them with real-time online credit reporting and identity monitoring and much more. This is at no extra cost to you or to the client! For your clients that are renters, you’ll be able to get the rent payments added to their credit reports for a significant boost in their score for a nominal additional fee to the client.

If we got your attention and want to learn how to start a credit repair business,  watch this video then book an appointment to speak with us further.

Please understand that if you haven’t watched this video and booked an appointment with us, we will ask you to go back and watch the video before we talk to you in-depth.

So, please watch the video first.

Please Note- The Appointment Calendar is Set for Eastern Standard Time 

This article which was originally posted in 2021 is updated regularly and was last updated in July 2023.