Guaranteed to increase your credit score...or your money back!
HOME EDITION - for home-users
Legally BOOST your CREDIT SCORE and save thousands of dollars in high interest. Credit-Aid Software makes credit repair as easy as clicking your mouse. Order free credit reports, remove errors, generate powerful letters that place the burden of proof on credit bureaus and keep it all organized. It's written by attorneys to use the credit system in your favor and boost your score fast. Learn more
Increase your credit score faster than any other method.
Seen on CNN, MSNBC and Suze Orman
ONLY $29.95
If your credit score does not increase within 90 days we will refund 100% of your purchase including shipping!
"I raised my credit score 237 points" D. Goodman, Phoenix,AZ
The Fair Credit Reporting Act gives you the right to dispute any item on your credit report. If that item cannot be verified it must be removed. Even accurate negative items can often be removed. Some require negotiation. Credit-Aid Software guides you every step of the way: order free credit reports, remove errors, generate powerful letters written by attorneys, track your progress and keep your finances organized. It's easy to use and it guides you the whole way. Most people see positive results within 30 days.
It's guaranteed to IMPROVE your CREDIT...or your Money Back!
We are the leader in professional credit repair software for mortgage brokers. We now offer this special version just for home users, written by attorneys to use the credit reporting system in your favor. It makes credit repair as easy as clicking your mouse!
This software is 100% legal and success proven, written by attorneys.
These are the tools the professionals use yet you'll only pay a small fraction of what they would charge to repair your credit. No other software on the market can help you improve your credit score as fast for such a small price. Not convinced? TRY IT FOR 90 DAYS or your money back.
A higher credit score will qualify you for a better loan on a home, car, credit cards, mortgage or refi. It can save you hundreds of thousands of dollars in the life of a mortgage. A low credit score will make it very difficult to qualify for any mortgage.
A higher credit score can save you an enormous amount of money because it usually means a lower mortgage interest rate. It also can mean the difference between qualifying for a loan or not.
What does bad credit really cost me?
According to Fair Isaac™, lenders would probably demand a 9.8 percent interest rate on a $300,000, 30-year fixed mortgage for a borrower with a credit score between 500 and 579. That would translate into a $2,585 monthly payment for principal and interest. But a borrower with a score between 760 and 850 seeking the same loan would qualify for about a 6 percent rate that would cost just $1,796 a month for principal and interest. That savings of $789 each month would total $284,040 over 30 years!
Use the Credit Laws to your advantage
US Credit Laws give you the right to dispute any listing on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable. If a credit bureau can't verify the accuracy of an item that you dispute, by law they must remove it from your credit report.
The Fair Credit Reporting Act gives you the right to accurate credit reporting. Exercise your right by having all of your questionable credit listings either verified as accurate or immediately removed from your credit reports. By law, the bureaus must comply.
Credit Repair Companies can do this for you, but they can be very expensive (and many of these companies buy their software from us). Credit-Aid Software is the affordable alternative. It guides you through the process of ordering and examining your credit reports, generates all the neccesary paperwork and tracks the entire process. It can save you thousands of dollars and hundreds of hours of valuable time.
You can repair your credit!
You can repair your credit yourself without having to hire an inexpensive credit repair company. A Credit Repair Company cannot do anything for you that you cannot do for yourself for little or no cost. You just need some patience, motivation and an understanding of how to work the system.
Credit Repair Software also cannot do anything for you that you cannot do for yourself, but what it can do is save you hundreds of hours of time by generating letters, guiding you, and helping to organize and track your progress.
Credit-Aid Software™ stores your user information, generates letters and automates the process of cleaning up your credit. State-of-the-art animations and wizards guide you through: Ordering Free Credit Reports, Removing Errors and Negotiating with Creditors. Includes Organization and Planning Tools, Financial Calculators and useful Tips. Ease of use and powerful features make it the best Credit Repair software available. Over 100 5 star awards have made it America's most trusted Credit Repair Software.
What does a low credit score really cost?
Do you know what your credit score really costs you over the life of a loan? If your score is above 720, you should have no trouble qualifying for a low rate loan. But the lower your score is the more difficult it will be to qualify, and the higher the interest will be. Your monthly payments can be over 40% higher with a low score!
Here is a chart that illustrates the effects a low credit score can cost you over the life of a loan:
YOUR CREDIT SCORE
*ADDITIONAL COST
TO YOU
720+
$0
700-719
$7,000
675-699
$30,100
620-674
$86,450
560-619
$143,640
500-559
$287,200
*Based on a 30 year $200K loan @ 5.6% interest
How your FICO (Credit) Score directly affects your Interest Rate:
FICO stands for Fair, Issac & Co. They're the folks who created the mathematical formula used to calculate what is commonly called the FICO score. This three-digit number, is a big, determinant in whether or not you get a mortgage or any other type of loan. FICO helps banks, credit card issuers, auto loan companies and other lenders decide if you're a good credit risk. It also makes a difference in the interest rate you're offered. Obviously, the higher your score, the more likely you'll be approved for a mortgage (and one with a low rate).
YOUR FICO SCORE
*INTEREST RATE
720-850
6.089%
700-719
6.214%
675-699
6.751%
620-674
7.901%
560-619
8.531%
500-559
9.289%
(*based in August 2009)
Free Mortgage Calculator
Use this Mortgage Calculator to calculate Monthly Mortgage Payments based different interest rates
Common things that will affect your FICO score:
Delinquent payments
Opening too many accounts during a 12-month period
Closing old accounts in good standing (older accounts show longevity. They also show more available credit, which is generally considered positive in the eyes of the Credit Bureaus).
Carrying the maximum balance (or nearly so) on revolving credit cards
Tax liens, judgments and bankruptcies
Too many credit inquiries
FIX IT YOURSELF AND SAVE WITH CREDIT DOCTOR!
Credit-Aid Software™ stores your user information, generates letters and automates the process of cleaning up your credit. State-of-the-art animations and wizards guide you through: Ordering Free Credit Reports, Removing Errors and Negotiating with Creditors. Includes Organization and Planning Tools, Financial Calculators and useful Tips. Ease of use and powerful features make it the best Credit Repair software available.
Without a doubt, the very best Credit Repair Software on the market is Credit Doctor. It has won numerous awards and has quickly become the most popular way to automate the process of repairing bad credit and fix bad credit report.
Softwareprograms do work for fixing bad credit. Bad credit report repair software is not a science, but it is a huge timesaver. You can certainly repair bad credit yourself without a credit program or credit software applications to examine and check your online history, but really bad credit will take many letters and tedious days and weeks to optomize, wheras a software program can automate the process considerably.You can have bad credit erased legally and quickly. Debt consolidation service is an option, but it still won't erase or reestablish a new file. Secured cards are an excellent way to reestablish credit, but you still must attack a low credit rating at the source.
Debt expirations do vary, as well as judgements status. If you have delinquencies and charge-offs that are effectng your credit-scoring, creditrepair is your best option. For bad credit help and expert bad credit advice we recommend reading our free booklet "Boost your FICO score in 7 easy steps." Bad credit repair can improve your way of life greatly enabling you to get the mortgage or refinance loan at the best possible low rate. A bad credit report simply means that you have a bit of work ahead after disputing items to the Credit Bureaus Equifax, Experian and Transunion.
A public interest group recently did a study that showed these staggeringfacts: 79% of all Credit Reports contain errors...and it's mostly errors that are the reason for a bad credit score.You do not have to fall victim to bad credit loans, you do not have to give in to accepting bad credit refinance or a bad credit mortgage. An improved report rating score will qualify you for loans and refinancing at much lower rates. Proper management with Bad credit software will save tremendous time and energy, rapidly boost fico ratings and boost fico scores.
The Credit Doctor program software will help you with your credit repair, and use every legal means to erase bad credit quickly, or your money back. Fast credit repair is what you will have after using our software to fix bad credit ratings and fix bad credit scores.
You can certainly fix credit and fix credit reports and improve bad credit on your own, but it helps to have a vast knowledge of the law. Our software has the added benefit of being co-written and approved by lawyers. Our knowledge of the law and the Fair Credit Reporting Act will help you to improve fico scores, check and improve a low credit score and raise fico scores. With our program and applications, you can easily remove bad credit while you repair bad credit ratings and fix your bad credit reports with the click of a mouse button.
On our Bad Credit Software Blog we give hundred of free tips, help, counseling and advice to repair bad credit scores, and repair low credit scores effortlessly and easily, because our program is fully compatible with all three major bureaus, Equifax, Experian and trans-union (aka trans union). Simply downlad your free Reports from annual credit report and you will have free reports. Once those free credit reports are in your hands and after purchasing our Bad Credit Repair Program program, you will be able to handle a bad credit removal operation for yourself (for free) what you would have to pay hundreds or thousands of dollars to companies like lexington law or creditnet. Download a free sample program today. What have you got to lose?
As they say on the Federal Trade Comission www.ftc.gov. A professional credit repair company (credit restoration management and restore service) cannot do anything for you that you cannot do for yourself for free or little cost. Repairing Credit is not brain surgury. It can be done, and the best credit repair Company...is yourself.
TESTIMONIALS
"This software is awesome and very easy to use. I raised my credit score 237 points and saved thousands on my home loan! I've already recommended it to friends. Thank you."
Dave G. Phoenix, AZ
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"I love it. It is a great tool to repair credit."
Edwin D Port St. Lucie, FL
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"This company was WONDERFUL to deal with; the greatest customer service on the net!!"
Jennifer W. Maple Shade NJ
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"The software was great. I was able to fix all the errors on my credit report and raise my credit score."
Duane B. San Jose, CA
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"It did get my credit up!"
Barry K. Westec Security Network Swartz Creek, MI
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"I LOVE this Software! Prior to using it, I spent quite a bit of money on an expensive 'credit repair company' that did NOTHING but take my money! Credit-Aid Software has made it very easy for me to repair my own credit. In my first month I saw huge results and was able to qualify for a better rate on a Refi. Thank you!"
James R. Coco Beach, FL
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"Credit-Aid Software is AWESOME! It has by far been one of the best investments I've made thus far. As a college freshman I was ignorant to how important credit ratings were and how early mistakes could make life so much more difficult. Since purchasing the software I have learned so much on how credit works and have truly have gained a fresh start. Customer service and Technical support are superior to any other company I've dealt with. There prompt responses and wonderful attitudes makes any issue a delight. Thanks again!"
Larry H. Account Executive- Business Resources Chase Paymentech Dallas, TX www.chasepaymentech.com
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"My credit score was too low to qualify for a home loan. I ordered this software on recommendation from my mortgage broker and I downloaded it from the credit-aid website. I filled in the forms and sent the letters it created. It took me about 20 minutes. In less than a month the inaccurate negative marks disappeared from my reports and my credit score increased by 192 points! I was finally able to qualify for a good home loan. I highly recommend this software to anyone who needs to raise their credit score quickly. It's easy to use and it really works. Now I'm a homeowner! Thank you Credit-Aid Software!"
Rick M. Studio City, CA
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"It helped me remove errors from my credit history and yes it was very easy to use. Now I have a more accurate credit history. Thank you!"
Norman S. Franklin Square, NY
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"WOW that is superior customer service!!! You have just gained a customer for life!!!!! Saludos!"
Rob Ybarra Brownsville, TX
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"I love your system! I deleted my negatives within 30 days and i was so happy. This was the best investment ever and the customer service with credit-aid is excellent. You have a very good team. Keep up the good job. I wish all companies were just like you guys. Trust me I've tried everybody out there and your system is very powerful. Thank you for helping my company. May God bless you!"
Manal Massis Houston, TX
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"Credit Aid really helped me. It is easy to understand and clearly shows what one must do to resolve credit problems. I found mistakes and corrected them fast."
Brandon S. Studio City, CA
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"It was really helpful!"
Madi M Farmington, MI
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"I love this program. It helped so much to re-establish my credit score. It was easy to use."
Patrizia M. Montebello, CA
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"I most impressed with how far they were willing to go to help me as I was having a problem with my computer. This product is awesome."
J.S. Dunlap, IL
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"My experience with credit aid was absolutely wonderful. The software was remarkable. My credit score jumped several points almost immediately and although I am still in the process of cleaning things up, I am confident I will have the score I desire in no time. I have recommended this software to several friends who are all very thankful and excited about watching their scores rise. Thanks guys."
Deborah S. Los Angeles, CA
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"Credit-Aid helped me so very much. I can see that my credit is getting better!"
Joe J. Silver Spring, MD
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"So far it has proven to be a very useful and easy to navigate program. It is allowing me to regain my credit scores and take charge of my finances again. I am truly grateful to the people who made this program available."
Ray H. University Place, WA
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"A bad credit score can negatively impact a person's ability to obtain a decent mortgage. I help my clients with Credit-Aid Software. It is simple to use and effective. Clients are so grateful they often give me referrals. Thank you for a wonderful and reasonably priced product!"
Noe Longoria, Loan Officer San Jose, CA
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"Great services...great software, this application will help many people to work faster and better with their credit. Thank you Credit-Aid!"
L. Barrera Riverside, CA
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"Credit-Aid is the best choice for price, capabilities, ease of use, and informative without the superfluous legalese...a Superior product!"
Jeffery R. Portland, OR
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VIDEO TOUR
VIDEO TOUR
Screenshots and Extras
HOW MUCH CAN YOU SAVE WITH IMPROVED CREDIT? TAKE A LOOK!
With GREAT CREDIT, save up to $6,204 per year!
That's $180,120 saved over the life of your loan!
(based on a starting top score range of 760-850 FICO score)
If you are a mortgage, real estate, auto or credit professional wanting to repair your clients credit, our "home-user" version will not be useful to you.
We offer "limited feature / limited use" versions of our software for "home-users" at a consumer-level price.
Home-user versions are perfect for home users. However, here is why our home-user software is not useful for professionals to help "clients":
"Home-user" versions only allow 3 names. You cannot add more names, you cannot delete them.
There is no way to track more than 3 clients and you will not have the necessary paperwork needed to help your clients.
Pro users who try to run a business with the home version will have no pro support.
If you have questions or would like a free consulation.
please call toll-free 800-944-1838 or use our LivePERSON Chat.
Our 90 Day Satisfaction Guarantee for home-use products
If your credit score does not improve in 90 days we will refund 100% of your purchase price. To receive this refund, please provide us with your order number, receipt of purchase, plus credit reports and scores from all three bureaus (dated before and after 90 days).
Our 30 Day Product Guarantee
We believe in our products and we know you will love them, too. Our software support team is available to assist you and will generally reply to any concern within 24 hours. If, however, they are unable to resolve your technical issues we will offer a full refund, within 30 days of purchase. In the unlikely event that you experience any difficulties whatsoever with Credit Aid, our support team wants to hear from you. The software has been triple quality assurance checked at every level. It is being used and enjoyed by thousands of happy customers. We are confident that it is stable and will function trouble free on any computer running windows 7, Vista or XP. Buy with Confidence!
Refund Policy
Refunds are based on Software failure, not general dissatisfaction or lack of features. Refunds are provided only after our technical support team has assisted in your installation and the Software fails to function fully according to the technical team diagnosis. We will determine if a refund is necessary based on individual situations. Refunds are not available after 30 days from purchase date.
Please note that returns/refunds are not granted for the following criteria;
Improper use of Software.
Misunderstanding use of the Software.
Purchasing Software for use on an unsupported operating system (*including Mac).
Unwanted Software upon or after Purchase.
Other, where the request for refund is not based upon a defect or bug discovered which cannot be corrected/resolved.
Requests made outside of the 30 day window.
If your request for a refund falls under any of the criteria above, a refund will only be given at Credit-Aid Software’s discretion, and will incur a 15% Administration Charge.
Please note that Credit-Aid Software’s Titles are available on a try-before-buy basis as “Free Demo” versions. We clearly post links to "free demos" and "video tour" on nearly every page of our web site, because we encourage all users to download and evaluate all software before purchase.
*Credit-Aid Software is "designed for Windows 7, Vista or XP." This information is displayed on the top of every page in our site. Credit-Aid will not run on a any other operating system -- including MAC (unless you are running Windows 7, Vista or XP on an emulator program).
Links to this information are displayed on every page in our web site. It is also displayed and agreed to during product installation as part of the End User License Agreement.
