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Q: How does Credit-Aid software work?

A: Credit-Aid Software automates the process of repairing credit. It was written by attorneys to address dispute items, negotiate with creditors and keep it all organized. Most people see scores improve within 30 days. To see how easy it is, you can watch the video tour, download a demo...or call toll-free for a free consultation at 1-800-944-1838

Q: Is credit repair difficult?

A: Credit repair is simple with our software.  It creates all the dispute letters.  It makes credit repair as simple as clicking your mouse and it guides you the whole way.  Please watch the 4 minute video tour to see just how simple it is.

Q:  How long will it take to fix my credit and what results can I expect?

A: That depends upon your credit. Everyone's situation is different.  Most people see positive results within 30 days.

Q:  How many points can credit be raised by using your software?

A: That all depends upon your credit situation and everyone's is different.  Most credit reports contain errors. Errors are easiest to remove. Accurate negative items can often be removed, as well, but they take a bit more finesse. Our software gives you all the tools you need to handle the process and it is a tremendous time saver. Most people see positive results within 30 days.

Q:  Do you make any guarantees that my score will be raised any certain amount?

A: No. That would be impossible. If anyone makes such a We've seen people raise their score as much as 287 points in 30 days. Most people do see positive results within 30 days. 79% of all credit reports contain errors. Errors are easiest to remove. Accurate negative items can often be removed, as well, but they take a bit more finesse. ALl of these elements come into play. Our software gives you all the tools you need to handle the process and it is a tremendous time saver.

Q: Are there ongoing (or monthly) fees?

A: This is “end user” software to install on your computer and not a web based subscription service. There are no monthly or ongoing fees.

Q: Do free credit reports or credit scores come included with your software?

A: Credit reports and credit scores do not come included in our software but we do provide you the ability to order them easily with a mouse clicks from within our software.  You’re entitled to free credit reports once a year.  Credit “scores” however, are generally something that must be purchased.  We do provide links for easy to access credit scores, as well.

Q: Can you give me advice about my own credit? 

A: We are not allowed to give advice about specific credit issues, however we offer plenty of information in our software and in our credit repair blog. If you have general questions about running the software. Please visit this page for a support form. It will be received by a technician who can help you. Make sure to use the email address you used when making your original purchase and include any relevant details.

Q: Do I need a license to start a credit repair business?

A:  A license is generally not required to repair a clients credit. However, laws can vary from state to state. Click here for more information on credit law by state.

Q: What are your recommended products for starting a credit repair business?

A: Any of our “turnkey” packages.  They start at $499

Q: What is the difference between basic pro and turn-key packages?

A: Basic Pro (Silver and Gold) are for mortgage brokers with a handful of clients to help, not to be used for a credit repair business. The "turn-key" solutions have everything you need to start a credit repair business, including client contracts, power of attorney and many other necessary documents and additional letters.

Q: What additional materials come with the larger Corporate Pro (turn-key) credit repair business versions?

A: Our Corporate Pro (turn-key) solutions handle far more clients at a much lower cost-per-client. They include paperwork required to start a credit repair business (i.e., power of attorney authorization, consumer credit file rights, client contract agreement, plus additional credit repair letters and more). These packages are a much better value and will pay for itself with the first few clients. After that it is all profit.

Q: I want to use this for clients.  Can I just buy the cheaper home version and copy the letters?

A: Our "home-user" version is not useful to professionals. "Home-user" versions only allow 3 members. You cannot add more names, you cannot delete them. You also cannot copy or reuse the letters (copying and pasting will not work).  There is no way to track your clients. You will have no product updates, professional materials or support. "Home-user" versions are only for home-users.

Q: Can I speak to a real person for more information?

A: To contact a product specialist for a free consultation (or to hear about our current specials), please call toll-free 800-944-1838. You can also contact us here.

Q: How do I contact Technical Support or customer service?

A: Click here for a company contact directory

Q: What is the difference between your home-user and your professional software?

A: Our home-use software is limited and only suitable for a home user. The professional versions can handle multiple clients. Our turnkey credit repair business packages have everything needed to start a credit repair business; advanced features, additional letters, support, and bonus materials that include client contract, rate sheet and power of attorney. For more information about pro software, please click here to visit the PRO page and click on any of the product buttons. You can also call for a free consultation: toll-free at 800-944-1838.

Q: What makes your software better than others?

A: Our people! We have fantastic customer service and support (and we are really nice). To be honest, we do not pay attention to other company’s products. We are too busy selling our own and insuring customer satisfaction. We are the number one seller of consumer and professional credit repair software in America.

Q: What happens when I fill up the available client folders/slots? Can I delete clients? Will I have to buy a whole new version? 

A: When you have used up all of your available client slots you will need to buy a new version. Clients cannot be deleted. However you will have two options, a repeat customer discount -- or you can buy a 2X special, which gives you a 2nd copy (at the time of the original purchase) for 80% off. To inquire about our specials, please call for a free consultation at 800-944-1838.

Q: Can I buy a smaller version and upgrade later?

When A: We dont have upgrades, because one product does not replace another...however when it's full you could buy another, and we always give discounts to repeat customers. If you are starting a credit-repair-business you will need a turnkey product. It has everything you need and it will more than pay for itself with the first few clients.

Q: Can this software be run over a network?

A: No, this is end-user software to install and run on only one (1) PC. It is not networkable. All of your important sensitive client data is safely encrypted on your own computer and not saved on a server where it can be accessed by anyone else. It you need it for more than one PC (a second computer or laptop), please contact us about purchasing additional licenses. We always give discounts to existing customers. Call Toll free 800-944-1838 or click here to visit our contact page.

Q: Can I install on more than one computer (multiple computers)?

A: No, our software is sold as a single license and can only be installed on one computer hard drive. If you wish to install it on a second computer or laptop, please contact our sales department for an additional license at a discounted rate: Call Toll free 800-944-1838 or click here to visit our contact page.

Q: Will this software allow me to do the disputes online?

A: No, and it often works against you if you to dispute on line. You have greater success if by paper mail. It's more time-consuming for bureaus to process and if they do not reply within the allotted 30 days (according to the Fair Credit Reporting Act) by must remove the disputed item from your report.

Q: Will this software work on a Mac?

A: Credit-Aid is written for windows XP and Vista. If you have a Mac and are running Windows XP or Vista, then you should be able to run it. However, we do not support Macs. Please download the free trial demo to see if that will run on your Mac.

Q: Do you have software in Spanish?

A: Si! All of our software is available in Spanish. Please click here for our site in Spanish.

Q: Will the credit bureaus accept letters written in Spanish?

A: Yes, the bureaus are bi-lingual and must accept letters written in Spanish.

Q: Do you have sales/support people who speak Spanish?

A: Si! To speak with a representative in Spanish please call toll-free 1 (800) 944-1838.

Q: Do you have an affiliate program?

A: All affiliate information is posted here

Q: Why don't my credit reports have "scores"?

A: Most Credit Reports ordered by consumers do NOT have credit "Scores." -- especially those ordered for FREE from the Annual Service, The scores are generally sold at a premium. Here is our recommended source if you are seeking actual credit "scores"

Q: My credit report does not contain Spouse information. Should it? Should I include Spouse information when requesting or disputing a report?

A: (Copied from EXPERIAN.COM) "The credit reporting agencies maintain individual credit files for each U.S. resident. They do not maintain combined files for spouses. Therefore, your credit report is separate and different from your spouse's. Joint credit accounts you have with your spouse will appear on both credit reports."

Because the bureaus maintain individual credit files for each US resident, it is easiest when communicating to the Credit Bureaus communicate as individuals, rather than trying to combine communications and disputes.

When using Credit-Aid Software, it is advisable to create completely separate user profiles and completely separate request and dispute letters, rather than trying to copy and paste between spouses.

Q: I have a desktop, a laptop, and several other computers in my office. Can I install this software on more than one computer?

A: No. Credit-Aid software is sold with a single Computer license, very much like Windows or Office or many other popular programs. It may not be installed on more than one (1) computer. If you would like information about purchasing a multiple user license, click here for more information and pricing.

Q: When I start to install Credit-Aid software, I am getting a message window that says "Unknown Publisher." What does that mean and what should I do?

A: We are not affiliated with Microsoft in any way, therefore we will always be an "Unknown Publisher." This is just part of WIndows security letting you know that our software has not been verified by Microsoft. When you seen "Unknown Publisher" simply continue the install process.

Q: Help! I can't download my Credit Reports from the Credit Bureau web site!

A: We don’t have upgrades, because one product does not replace another...however when it's full you could buy another, and we always give discounts to repeat customers. If you are starting a credit-repair-business you will be much happier and more productive with a turnkey product, plus the larger versions cost less per-client  We understand that the credit bureau websites can sometimes be "unfriendly." We have no affiliation to the credit bureaus. Our software does provide an easy link to connect you directly to their websites where you can order reports, but once you are in their websites we cannot control how they respond to you.

The main function of our software is to generate the letters needed for disputing items in your reports, submitting them “in writing” to the bureaus, keeping track of your progress, and keeping it all organized. Viewing your credit reports on the credit bureaus web sites is completely dependent upon your own computer’s settings and your ability to provide the information that they request.

We recommend using our software to create the report requests “in writing” so that you can create a paper trial. It takes the bureaus longer to items submitted in writing, which can often work in your favor. By law, we cannot go any further than that in offering specific credit advice, but for more information about the Credit Repair Process, please download our free booklet at .

Incidentally, while we are on the subject of credit reports: most Credit Reports ordered by consumers do NOT have credit "Scores." -- especially those ordered for FREE from the Annual Service, The scores are generally sold at a premium. Here below is an alternative source if you are seeking an actual credit "score".

Q: Why is this software so reasonably priced?

A: We believe that software should be affordable. We also truly want to help people. We know that we have created the best credit repair software on the market and we also know that if you have success, you might tell a friend about it, and if enough people have success, we will sell plenty of programs, and help a lot of people, and everyone wins in the end.

Q: I do not have Windows Vista or XP. Will Credit Doctor run on older versions of Windows?

A: No. Credit Doctor will only run properly on Windows Vista and XP.

Q: Do you have a Canadian Version?

A: Although we've traveled everywhere from Moose Jaw to Medecine Hat, we are American and live in California and we have no knowledge of the Canadian Credit Laws. A Canadian version my be in the works soon, but for the moment, it takes all the hours in the day to improve our own American version. If you are Canadian and need help with Canadian Credit Repair information click here.

Q: I am a Mortgage Broker and I want to be able to help my clients with their credit. Do I need a special license for this?

A: If the dispute letters come from your clients, are signed by your clients, and if you are not charging them for this service, then your clients are repairing their own credit. You would simply be helping them to repair their own credit by using our software to generate the letters, track their progress and keep them organized. Another option is to have your clients sign a Power of Attorney letter to allow you to do this work on their behalf. The Power of Attorney letter is included in our larger professional versions. Please consult with an attorney in your specific state to confirm this.

As far as charging your clients for this service, we believe that if you go the extra mile for your clients, you will receive back more rewards (by way of closed loans, goodwill and word of mouth) than any small fee you might charge for printing and sending a few letters.

Q: I have paid for Credit Doctor and received my Activation Code from you, but when I try to enter my activation code into the program, it just says DEMO DEMO and I can't enter in the code.

A: If it says DEMO DEMO, that is NOT the Credit-Aid Full Version program. What you have is only the free Demo, and you must completely uninstall the demo prior to installing and running the full-version.

Q: I am trying to install by typing in the name and activation code you sent me, but I keep getting an error message that says "Invalid User String." What do I do?

A:"Invalid User String" means you are entering an incorrect name and code. This usually occurs when trying to "retype" the name and code we sent. Please try to "copy and paste" the name and code (instead of retyping) and you should have success. FYI: To cut and paste: Use Control + C to COPY and Control + V (Or Right Mouse Click + Paste) to PASTE it into the Activation window.

Q: I was sent a shipping confirmation email from Google Checkout or PayPal. Where is my download?

A: We send instant downloads the moment your credit card has been authorized. If you ordered the download version and received a confirmation letter that your card was charged or that your order has shipped, that means that we also sent your software and it is waiting for you at the email address that you have provided. If you don't see it in your inbox, please look in your spam folder before contacting us. 99% of the time that is where it is.

*Credit-Aid is an automated "INSTANT DOWNLOAD", but your download info will not display (and send) until YOUR bank has approved your purchase. This generally happens in seconds, however it CAN take longer, depending on YOUR bank's approval. If you purchase through Paypal, you can log into your PayPal account at to see your order status. If you have purchased through Google please log into your Google Account at to see your order’s status. If you purchase directly with a credit card, you will receive email notification when the order has processed, along with your download and activation info. If you have any trouble, please send us a friendly email and we will be happy to help you.

Q: Why does Google send me shipping confirmation with my mailing address when I have only purchased a download?

A: This is a quirk in the Google Checkout system. If you purchased a download, you will only receive a download. If you paid an extra fee to purchase a backup CD/Shipped one will be shipped to you.

Q: I bought a copy of Credit-Aid, but my computer crashed. How can I get a new copy?

 A: No problem! We will be happy to help you (up to one year from your original purchase), but to do this we must be able to find you in our system, so please send us an email with the name and email address used during your Credit Aid purchase (and an order number so we can look up your order information) . If you have used Google's email masking when placing your order, this could make it more difficult for us, so the more info you can provide, the better. We will be unable to regenerate and resend your download if more than one year has passed since your purchase.

Q: How do you handle product returns?

A: 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.  To read full details of our guarantee and return policy click here

Q: I am trying to download this program, but I keep getting corrupt or NCIS error messages when trying to install it. What is wrong?

A "corrupt" or "NCIS" error you are getting means that you are not downloading the entire program. The install file is 13.2 Megabytes. It will not install unless you download the entire file. 

2/27/2008 We are now sending all downloads in the form of ZIP files. We now do this because Norton and other Antivirus products prevent downloads of exe setup files. If you have downloaded the entire zip file, it will open if you choose OPEN or RUN and inside the ZIP file is the Credit-Aid setup file. Doubleclick on the Credit-Aid setup file and in a few seconds the installer will start. Make sure you follow the defaults and DO NOT TRY TO CHANGE THE LOCATION WHERE CREDIT-AID WANTS TO INSTALL!

If you are double clicking on the file you have downloaded and nothing happens, or you get an error message that Windows doesn't know what to do with it, you probably haven't downloaded the entire file.

We test the links daily and they generally take 2 Minutes to download on standard DSL or Broadband, but occasionally your antivirus or internet settings on your computer may be preventing you from completing the download. If you are getting error when trying to download and install the software, here are the steps to take to correct this problem:

Delete the partial file you have downloaded

Delete ALL temporary internet files (Control Panel – Internet Settings)

Completely SHUT DOWN and RESTART your computer

Download the file again and remember to save it to your desktop. Make sure you have the full 13.2 megabytes. Once it has downloaded, you can check the file size by doing a right mouse click on the file itself and choosing PROPERTIES (with the left mouse button). If you have downloaded the entire file it should install perfectly.

If for any reason this does not work, please send us a friendly email to contact our support team with detail of the problem you are having, along with your order number (and the email you used during purchase and we will be happy to help you further. We want to help you.

Q: I didn't receive my activation letter...or my time ran out. Can you resend my download and activation information?

Activation letters are sent IMMEDIATELY when your credit card is charged. Our system is automated. If you did not receive your activation letter, first please look in your SPAM or BULK email folder. That's where they sometimes end up, because spam filters also can filter out important mail.

If you do not see your activation letter in your SPAM or BULK email folders, please do not call our sales staff. They are in a separate location and they cannot help with technical matters. Contact our support team and we will be happy to help you very quickly, however, before you do, please read the following so we can help you.

We are able to resend activation details two (2) times -- or up to one (1) year from the date of purchase (whichever comes first). Please help us to find your order by providing the following information:

Your Name and Company

Your Phone Number

Your Order Number (if you have it)

The exact software version you purchased

The EXACT email address used during the ORIGINAL purchase.

Please note that our system will only resend to the EXACT email address used during the original purchase. No exceptions.

**Please note that your software is licensed to use on only one (1) computer. We monitor how many times it's been downloaded, and if you've attempted to install it on more than one (1) machine. If you would like to install it on more than one computer, please contact us about purchasing additional copies at discount (ie; multi-user licensing).

Q: If I am a Mortgage, Real Estate or Credit Professional, can I just buy the consumer software? Will the consumer version be useful for me?

A: No! If you are a Mortgage, Real Estate or Credit Professional, our "consumer" software will not be useful to you

We offer "limited feature / limited use" versions of our software to "consumers" at a consumer-level price. These versions are not useful for professionals.

Here is why our "consumer only" versions are not useful for professionals.

Our "Consumer only" scaled-down versions only allow 3 user profiles, you cannot add more names, you cannot delete them. You also cannot copy or reuse the letters (copying and pasting will not work). You will have no way to track your clients, so the software will be useless to professionals. Also you will have no product updates or support. "Consumer Only" versions are only sold to consumers.

Our professional software is affordable for any size office or budget you have. Our largest version, PRO-1000 will help 1000 of your clients to improve their credit scores for less than $1 per client. If you help one client to raise their score and close a loan, the professional software will have already paid for itself many times over. Plus, the good will you've generated by "going the extra mile" for that client will pay you back many times over in referrals.

Our Credit-Aid Professional software is very user-friendly.

We offer try-before-you-buy demo versions of our PRO software. If you would like to see how it runs and what it can do for you, we encourage you to download it.

If you have questions about our PRO software, you may also call our Corporate Sales Desk at (310) 929-7554.

Be a Credit-Aid Affiliate! Would you like to earn revenue from your website?

Do you have clients, website, e-zine, blog or newsletter viewers? who can benefit from Credit-Aid Software? Earn revenue as a Credit-Aid Affiliate.


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"Your program is fantastic! I raised my credit score 287 points in 30 days and saved thousands on my home loan!"
— Dave Goodman
Phoenix, AZ

"Editor's Choice: A powerful, user-friendly program that delivers what it promises."
— Lloyd Seagan
Stuff Magazine

"This company was WONDERFUL to deal with; the greatest customer service on the net!!"
Jennifer W.
Maple Shade NJ

"A bad credit score can negatively impact a person's ability to obtain a decent mortgage. I help my clients with Credit-Aid Corporate PRO 1000 Software. It's simple to use and effective. Thank you for a wonderful and reasonably priced product!"
— Noe Longoria, Loan Officer
Simplex Mortgage, San Jose, CA

"Credit-Aid Plus is remarkably well designed. Installation was a snap, and I find it extremely easy to use. After 4 days of putting it through the paces without a single crash-error, I'm fairly certain the code is clean, tight and reliable. Strictly on functionality, it is virtually flawless and easily stands on its own merit. Yet, you went to great lengths to provide a highly intuitive user interface complete with an interactive co-pilot, wizards and pop-up reminders always at the ready to provide guidance every step of the way, leaving nothing to chance or lingering questions. The result is a solid, well-rounded product that is both educational and fun to use, quickly melting away all the trepidation and anxiety I generally feel on the sore subject of credit repair known more for the anguish and intimidation it engenders. Credit-Aid Plus is a bargain, compared to the cost of credit repair services which couldn't possibly do any better legally. It gives Main Street a heck of a fighting chance against Wall Street. If there's anything it can't, I simply haven't found it. The product is that complete! For the first time in all the years I've agonized over my credit woes, I actually feel empowered, rather than helpless. As for support, I haven't needed any... the product is truly idiot-proof! Even so, I did call in before my purchase with a pre-sales question and received a call-back within 2 hours. Not bad! There is not a single thing I would change in the software; and that's saying a lot. It is refreshing to see a product that delivers on both form and function, true to its promise. If anything, Credit-Aid Plus over-delivers on every front. I am thoroughly impressed with the product and would highly recommend it without reservation. It's exactly what the doctor ordered... no pun intended! You should be very proud."
— Chima A. Ochiagha
Information Technology Strategist
Houston, TX

"I was able to buy a home -- even with my bankruptcy! Thank you for such a wonderful product!"
Richard Samarcelli
Woodland Hills, CA

"I most 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."
Dunlap, IL

"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 Credit Doctor!"
James J. Redman
Coco Beach, FL

"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

"My order was handled very well. I'm pleased with every aspect of my shipping of items, and they communicated well with me. Thank you very much!"
Michael Underwood
Raleigh NC

"It is evident that the publisher has done his homework and researched the necessary requirements, provided comprehensive information yet been able to keep it concise so that the user is not overwhelmed. Of all the credit repair companies for profit, non-profit, Credit-Aid is to be the best choice for price, capabilities, ease of use, and informative without the superfluous legaleze...a Superior product!"
Jeffery A Reilly
Portland, OR


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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.

Software programs 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 staggering facts: 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 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 yourself.

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