Powerful AI Credit Repair Software for your credit repair business. Start Your
Free Trial today! Lightning-fast imports and AI generated personalized Credit Action Plans in seconds.

Powerful AI Credit Repair Software for your credit repair business. Try FREE today! Lightning-fast imports and AI generated personalized Credit Action Plans in seconds.

We help CROs find hidden income in their current client files

Credit Repair Software. CRM Powered Solutions for Business.

Credit Repair Software, Empowering Your Credit Repair Business with Scalable Cloud Solutions. Transform Your Credit Repair Business.

30 Day Free Trial – Start Today

99.5%

FCRA Detection Accuracy

80% Faster

Cloud Solutions

Unlimited

Credit Action Plans

How Much Hidden Revenue Could Be Sitting in Your Client Files?

Estimate the revenue potential inside your active client base from FCRA violations, secured card referrals, and credit builder opportunities — instantly.

Experience the Credit Software Butterfly Effect

Credit Repair Software that works.

Supercharge Your Credit Repair CRM

Explore the Essential Features of Credit
Repair with Credit Butterfly Cloud Software

Ready to Transform Your
Credit Repair Business?

No Risk 30 Day Free Trial

CRM Solutions Built for you.
Credit Repair Software FCRA Cloud Automations

Experience our Automated Credit Software with Legal Credit Intelligence and turn your subscription cost into an investment

$197/month

Receive a 20% Discount for Annual Plan.

$297/month

Receive a 20% Discount for Annual Plan.

$397/month

Receive a 20% Discount for Annual Plan.

$597/month

Receive a 20% Discount for Annual Plan.

About US

Why Choose
Credit Butterfly

Industry-Leading AI Technology
Credit Action Plan & FCRA Tracker
Our AI Credit Repair Software Pays for Itself—And Then Some
Compliance and Security
Comprehensive and User-Friendly

At Credit Butterfly, our unique value comes from two powerful tools: the AI-powered Credit Action Plan and the FCRA Violation Tracker. No other credit repair software offers this combination, giving credit repair professionals a serious competitive edge.

The Credit Action Plan generates personalized credit improvement strategies based on each client’s goals and credit report data. Meanwhile, the FCRA Violation Tracker identifies hidden, monetizable violations that other systems—and humans—often miss. If you don’t find the violation, you can’t monetize it. Our software helps uncover thousands of dollars in potential violations for you and your clients.

With our 1-click credit report import, the system quickly pulls data and uses advanced AI and machine learning (ML) to analyze the report. This eliminates hours of manual work and instantly creates a tailored Credit Action Plan.

The plan includes specific action items like paying down balances, settling debts, or opening new accounts. Each recommendation includes affiliate links, allowing Credit Repair Pros to earn commissions while helping clients improve their credit.

Even better, the plan is fully customizable. You can send it as-is or modify it to fit your workflow and client strategy.

In the end, Credit Butterfly helps credit repair businesses scale faster, serve clients better, and monetize smarter. With our all-in-one platform, you don’t just fix credit—you transform financial futures.

Introducing the Only Credit Repair Software that Identifies Potential FCRA Violations

Our advanced AI Credit Repair Software analyzes each credit report and delivers personalized action plans for fast results. Say goodbye to guesswork and hello to precision.

The software automatically identifies FCRA violations and recommends the best dispute strategies, saving you time and boosting your success rate. Many potential FCRA cases are declined due to incorrect dispute language.

Scalable Client Management

Track and manage hundreds or thousands of clients effortlessly. With built-in automated notifications, updates, and reminders, you’ll reduce manual tasks and keep clients engaged and find those elusive violations.

Monetize FCRA Violations Automatically

With our AI-powered FCRA Violation Tracker, uncover hidden violations worth thousands of dollars in potential revenue. Each valid referral can earn you $$$—turn compliance into cash.

FCRA Violation Tracker Example

By investing in Credit Butterfly’s monthly plan, you're unlocking more than software—you’re unlocking revenue. Our AI automatically scans for FCRA violations that you may be missing. These violations, when monetized through referrals or litigation, can generate thousands in monthly income. If you're not identifying them, you're leaving serious money on the table. Let our software do the heavy lifting—and start monetizing your client's FCRA violations.

How Credit Butterfly Turns FCRA Violations into Profit

Imagine your client’s credit report has an account reporting incorrect payment history—an FCRA violation. Our AI credit repair software flags it instantly.

You identify just 2 FCRA violations per week and refer them to a partnered consumer law attorney. At $400 per valid referral, that’s $800 per week—or $3,200 per month—in added revenue.

That’s money you may be leaving on the table without Credit Butterfly.

For a fraction of that return, your monthly subscription gives you the power to automate FCRA tracking, boost compliance, and create a new income stream—all while helping your clients restore their credit faster and more effectively.

Credit Butterfly's software is built on Amazon Web Services (AWS) platform (USA) incorporating the latest data privacy, security and compliance features. Specific data security features include: (TLS 1.2/1.3) Encryption w/Ciphers, 256-bit Advanced Encryption (AES), On-going Level 1 PCI Compliance, Fully Encrypted Data Format, and 2-Factor Authentication.

As your partner in compliance, we take data privacy very seriously. You can view or privacy policy here and our terms of service here

The credit repair industry is currently being targeted by the Consumer Financial Protection Bureau (CFPB). Credit Butterfly is dedicated to helping the industry maintain compliance and thrive in these challenging times. Our software supports your compliance efforts.

Intuitive Navigation

Menus and options are clearly labeled and organized, allowing even first-time users to quickly locate essential features.

Simple and Clean Design

The streamlined design reduces distractions, guiding you through workflows with ease.

Consistency Across Pages

The consistent layout means you don’t have to relearn functionality as you move through different sections.

Easy-to-Understand Icons and Labels

Icons and labels are intuitive, making the interface approachable even for first-time users.

Responsive and Fast

Actions are executed instantly, with no noticeable lag, enhancing overall efficiency.

Clear Call-to-Actions (CTAs)

Buttons and action items stand out with clear instructions, so you always know what to do next.

Well-placed and distinct action buttons guide you seamlessly through their tasks without any guesswork.

Onboarding and Tooltips

A simple, step-by-step onboarding process introduces new users to the key features quickly.

Ready to Transform Your
Credit Repair Business?

Our Vision

Experience the Credit Butterfly Effect

Leading Credit Repair Software

At Credit Butterfly, our Credit Repair software is more than just a tool. Instead, it’s the first step in a powerful journey. By using AI-powered credit repair software, we trigger a series of positive changes. As a result, these changes lead to bigger wins over time. Not only do we help improve credit scores, but we also support long-term financial growth. Ultimately, our goal is to help individuals and business owners reach their financial goals—one step at a time.

The Credit Action Plan

Join the Credit Advocacy Movement

Nearly 25% of Americans lack the knowledge to raise their credit scores. For low-income households, that number jumps to over 50%. As a result, many remain trapped in a cycle of low credit scores and high interest rates.

That’s where Credit Butterfly comes in.

Our mission is to empower credit repair business owners and mortgage professionals—often the gatekeepers to homeownership—to help clients break this cycle. We do this through a personalized Credit Action Plan, powered by AI.

Credit Butterfly is a powerful SaaS platform that uses AI and machine learning (ML) to optimize credit reports specifically for mortgage readiness.

In addition, our software automatically identifies and flags potential FCRA violations. As events occur—such as disputes or client actions—our platform tracks them. When a potential violation becomes valid, it alerts the credit repair professional. From there, the violation can be sent to a consumer law attorney for litigation.

This not only improves compliance—it also creates a new stream of revenue.

With Credit Butterfly, you’re not just fixing credit. You’re building financial futures and unlocking homeownership—one action plan at a time.

Credit Repair Software Reviews
5 Star Rated Free Trial

See what our raving fans say about the Credit Action Plan!

The Credit Action Plan has been a game-changer for my clients. It provides a clear, step-by-step approach to improving credit and financial goals. My clients have seen significant progress, with many experiencing improved creditworthiness in a short amount of time. The plan is not only effective but also easy to follow, making it a valuable tool in helping individuals take control of their financial future. I highly recommend signing up for this service if your company is committed to helping their clients take real,
actionable steps towards better credit and financial health.

Kelly L. Armstrong

CEO of Be Whole Financial Enterprise

Hey y’all! I’m Candace, owner of Building Blocks Financial Solutions in Charleston, SC. Incorporating Stephanie’s Action Plan into my business has been a huge help! The expectation is set from the very beginning with my
clients, which makes the process so much easier with what they are expected to do while waiting for dispute results.

Candace

Owner of Building Blocks Financial Solutions

Thanks, Stephanie Black, for your Action Plan training and help. One of my clients just called me and told me that she got her pre-approval for her house. The lender told her to start shopping!
I also want to Thank Stephanie Black for her AWESOME mentorship! For ALL the added knowledge!! For making it easier than what i was thinking! for ALWAYS answering my questions no matter how silly they were. For the added confidence to charge what I’m worth! For all the tips & great advice! For all other mentees I met & the new friendship found in them! For the Teamwork! THANK YOU!

Hey everyone, David Beckley here with Vested Financial Corporation. I started my S-Corp Credit Repair Company in May of this year. I started in Stephanie Black class when it first began. I have over 80 clients, and I’ve implemented her Action Plan (sort of) but haven’t perfected it yet. I’m looking to grow, learn, and give back to this group as much as I can. Stephanie is one of the most knowledgeable people I’ve met in the industry. She brings no hype and fluff…. just pure knowledge and a good soul. You have definitely joined a great group with an awesome leader.

David Beckley

Vested Financial Corporation

Connect with Credit Butterfly's Automation Workflow

Enter client details into Credit Butterfly system.
Credit Butterfly’s software automatically sends a state-specific client agreement, all required disclosures and acknowledgements for e-signature.
The client goes to the client portal and uploads their required documents and information.
Enter client details and import the credit report.
Dispute letters are automatically generated with the Credit Action Plan for review and client e-signature.

Connect with Credit Butterfly's Automation Workflow

Enter client details into Credit Butterfly system.
Credit Butterfly’s software automatically sends a state-specific client agreement, all required disclosures and acknowledgements for e-signature.
The client goes to the client portal and uploads their required documents and information.
Enter client details and import the credit report.
Dispute letters are automatically generated with the Credit Action Plan for review and client e-signature.

Connect with Credit Butterfly's Automation Workflow

Enter client details into Credit Butterfly system.
Credit Butterfly’s software automatically sends a state-specific client agreement, all required disclosures and acknowledgements for e-signature.
The client goes to the client portal and uploads their required documents and information.
Enter client details and import the credit report.
Dispute letters are automatically generated with the Credit Action Plan for review and client e-signature.

Connect with Credit Butterfly's Automation Workflow

Enter client details into Credit Butterfly system.
Credit Butterfly’s software automatically sends a state-specific client agreement, all required disclosures and acknowledgements for e-signature.
The client goes to the client portal and uploads their required documents and information.
Enter client details and import the credit report.
Dispute letters are automatically generated with the Credit Action Plan for review and client e-signature.

Connect with Credit Butterfly's Automation Workflow

Enter client details into Credit Butterfly system.
Credit Butterfly’s software automatically sends a state-specific client agreement, all required disclosures and acknowledgements for e-signature.
The client goes to the client portal and uploads their required documents and information.
Enter client details and import the credit report.
Dispute letters are automatically generated with the Credit Action Plan for review and client e-signature.

Frequently Asked Questions

What are the most important credit repair software features for a credit repair business?

As a credit repair owner these 10 features are crucial to credit repair success:

1. AI-powered Credit Action Plan that suggests the most important action items a client MUST do to improve their credit score.

2. 1-click credit report import with a user-friendly interface.

3. An accurate re-import analysis of the credit report every 31-45 days showing all changes (utilization ratio, number of negative/positive accounts, new accounts, etc.).

4. State-specific compliant contracts that take into account federal and all state laws and regulations.

5. Compliant e-signature integration that automatically integrates with your contracts and disclosures (both federal and state).

6. E-signature integration to send the AI generated dispute letters to clients for their compliant e-signature prior to mailing. This helps prevent stall letters from TransUnion, Equifax and Experian and is crucial for FCRA violation cases.

7. Ability to brand your own client portals in the software with your logo with a separate client login so your clients can upload documents, complete their Action Plan Items and see their current status.

8. Ability to brand your affiliate portals in the software with your logos with a separate affiliate login so they can get updates on their client’s progress. This keeps everyone on the same page and reduces unnecessary calls.

9. Automated AI dispute letter generation.

10. Ability to identify and refer FCRA violations as an additional revenue stream. Credit Butterfly will teach you how to set this up and receive marketing fees that can more than cover the cost of your monthly subscription for our software.

What is AI powered credit repair software?

That is a great question! It appears that everyone has an “AI” software solution! According to Scholar GPT (powered by ChatGPT): AI-powered credit repair software leverages artificial intelligence to assist individuals in improving their credit scores by automating and optimizing the credit repair process. Here are some key features and functionalities typically found in such software:

Credit Report Analysis: The software can analyze credit reports to identify errors, inconsistencies, or negative items that may be impacting the credit score.

Dispute Automation: AI can automate the process of generating dispute letters to credit bureaus or creditors, streamlining the correction of inaccuracies on credit reports.

Personalized Credit Improvement Plans: Based on the analysis of an individual’s credit report, the software can provide tailored advice and strategies for improving the credit score, such as paying down specific debts, diversifying credit types, or establishing a history of timely payments.

Monitoring and Alerts: Continuous monitoring of credit reports with real-time alerts for any changes, such as new accounts or inquiries, enabling proactive management of one’s credit profile.

Financial Management Tools: Additional tools for budgeting, tracking expenses, and managing debts can help users maintain good financial habits that contribute to a better credit score.

Predictive Modeling: Using historical data and machine learning, the software can predict how certain actions (like paying off a specific debt) will impact the credit score, helping users make informed decisions.

Educational Resources: Providing users with educational content about credit management, credit scores, and financial health.

User-Friendly Interface: Designed to be accessible and easy to use, often with mobile applications for on-the-go credit management.

Is it hard to start a credit repair business?

Starting a credit repair business has a low barrier to entry, meaning there are no special degrees or licenses needed to start a credit repair business. However, there are state and federal laws that must be taken into account.

It is a highly regulated industry, so it is important to understand credit laws and regulations that affect it in order to be compliant in this industry.

According to Zip Recruiter, the average credit repair business generates $51,214 with top earners making $123,500 (March 2024 data).

The credit repair industry is valued at 6.6 billion as of 2023.

At Credit Butterfly our platform can support a compliant and rewarding business that can change the lives of people in your community. Many people who offer credit repair faced credit challenges themselves and understand the devastating consequences of low credit scores.

How can I make extra income with a consumer law partnership for FCRA violations?

Consumer law attorneys litigate against the three credit bureaus – TransUnion, Equifax and Experian, on behalf of consumers who have experienced an FCRA violation on their credit report. Often, they partner with credit repair organizations who refer clients to them once they have disputed the accounts and the credit bureaus have not removed the inaccurate information within 30 days as required by law. If the litigation is successful, the consumer will receive up to $1000. Often, consumer law attorneys specializing in FCRA violations may offer a marketing fee for successful referred cases.

What is an FCRA violation?

There are various types of FCRA violations. However, in credit repair it is usually refers to when there is an error on a consumer’s credit report and it is disputed and the credit bureau does not remove it within a 30 day timeframe after their investigation as outlined in the Fair Credit Reporting Act (FCRA).

What is a stall letter (or frivolous dispute)?

A stall letter (or frivolous dispute) is when one of the 3 credit bureau’s: TransUnion, Equifax or Experian, refuse to investigate a dispute because they believe it came from a credit repair company and not the consumer. However, there is no legal basis for them to use this as an excuse not to investigate as it is not illegal for a consumer to hire a credit repair company send a dispute on their behalf.

Why did my clients credit score decrease after negative items were deleted from their credit report (and nothing else changed)?

The unsettling truth about disputing negative items on your client’s credit report is that it is only one piece of the credit repair process.

Equally important (often more important than disputing), are the advanced credit building strategies that knowledgeable credit experts provide their clients to get results.

At Credit Butterfly, we call this the Credit Action Plan. We strongly believe our software is the #1 choice for all credit repair owners who want to automate and scale their business by providing superior results to their clients while focusing on compliance. We don’t know of any other credit repair software platform that provides an AI powered Credit Action Plan and this is what sets us apart from every other credit platform available. This is the “Credit Butterfly Effect”.

Even if you are new to credit repair you can achieve life changing credit score improvements for all your clients with the Credit Action Plan and our automated credit repair software.