DISPUTEBEE REVIEWS | FEATURES | PRO'S & CON'S
Professional Credit Repair Software.
This is a complete Disputebee review.
Written By: Mitch Durfee
The credit repair software industry is a competitive one, and it can be hard to know where to start.
Disputebee has been around for a few years now, but how does it stack up against other credit repair tools?
Let’s take a look at our in depth Disputebee reviews and after that I’ll share some alternative softwares.
What Is Disputebee?
Disputebee started in early 2012. The company created a top credit repair software that is used by over 100-thousand users all over the world. This software helps people restore their credit file status after identity theft, derogatory remarks and other type of financial setbacks such as collections.
Disputebee software uses proprietary data tools and algorithms to verify your account, find the errors on your credit file, and simplify the removal of those errors.
Disputebee credit repair software can help you dispute all kinds of derogatory information like late payments and hard inquiries with just a few simple clicks!
You can also use Disputebee for your credit repair business or if you just want to fix your own personal credit.
How Does Disputebee Work?
While conducting our Disputebee Reviews we discovered Disputebee uses a simple three-step process to improve credit scores.
Step 1: Credit Report
Before you start the credit repair process you will need to import your credit report. Disputebee software will walk your through how to get access to yours and your client’s credit reports.
You will also learn how to import it into the Disputebee software, and how to monitor the report for any changes.
Use Disputebee for your credit repair business or if you just want to fix your own personal credit.
Step 2: Dispute Letters
After you have imported and accessed the credit report, you can choose which items you would like to dispute such as:
- inaccurate collections
- hard inquiries
- late payments
- and more.
Disputebee will automatically generate the dispute letters for you; therefor all you need to do is print them out and mail the letters to the credit bureaus.
Step 3: Monitoring
Once you mail out your first round of letters to the credit bureaus(Experian, Equifax, and TransUnion) you will need to wait for their response and then upload it into Disputebee.
You can use Disputebee to continue to generate letters until the dispute is resolved which is when the item is removed from the credit report.
It might take multiple rounds of letters with the credit bureaus to see any items get removed but it is well worth it once the information is corrected.
Disputebee Video Review
How Much Does Disputebee Cost?
Disputebee has two simple packages and pricing, one for individuals
and one for business. Click here to know more about disputebee cost
Individual- $39 a month
Business – $99 a month
Who Is DisputeBee Made For?
DisputeBee is made for any individual, professional or business who is hoping to fix their own credit or start their own special credit fix business by smoothing out the interaction using automation (automated credit repair). Automated credit repair is a way to monitor and maintain your credit scores by actively looking for errors and discrepancies, such as late payments or unpaid bills. Disputebee is one of the best credit repair business software and professional credit repair software with various features.
Why do you need the best credit repair software ?
The simple reason as to why one needs a credit repair software is to have a good credit score or to improve your credit score. If you have a low credit score, it can affect your ability to get a loan or a mortgage, and even your cell phone plan. A low score may also cost you more when you’re shopping or for car insurance. This is why it’s necessary to know how to repair your credit. There are many ways to do this, but one of the most common methods is by using the best credit repair software.
Finding the best credit repair business software or a professional credit repair software can be a difficult task. The industry is flooded with options and it’s hard to know which solution is best for your needs. With so many different types of service, many of them coming at a hefty price, it’s important to know what you want before you make a purchase. Disputebee is one of the best credit repair softwares on the market providing best credit repair services
Credit repair software helps you get your credit fixed and improve your credit score. It’s important to start this process as soon as possible, and the sooner you begin, the faster you will see results. A higher credit score can lead to lower interest rates on loans and easier qualifying for things like car insurance and mortgage.
With the use of the best credit report software and some time invested in making better financial decisions, you can get back on track and be confident in how good your finances look.
Can Disputebee Remove Hard Inquiries?
Yes, Disputebee can help you remove hard inquiries, because Companies need your consent in order to access your credit.
For Instance, If a company does a hard inquire without your consent they are violating a federal law called the Fair Credit Reporting Act. Therefore; they must remove those inquiries from your credit report.
If you have a few hard inquiries on your credit report it won’t impact your credit score very much, but if you have 10 inquiries within the last two years it could lowering your credit score. Ten hard inquires could lower your credit score by 70 points as each hard inquiry is between 3 to 7 points.
How To Dispute Hard Inquiries
Have you ever pulled your credit report only to discover you have several hard inquires that you don’t recognize? You can use Disputebee to send dispute letters to the credit bureaus. Use these letters to explain that you don’t recognize these hard inquires, so a company must have accessed your credit without your knowledge.
If you have proof a hard inquiry was done without your knowledge send a copy of the proof with your dispute letter to help your case.
When you send your dispute letter you must also request a physical letter via certified mail requesting your authorization documents that you consented to this hard inquiry.
Otherwise the credit bureaus might just send you an automated response that you must dispute this inquiry with the creditor that pulled your credit.
The credit bureaus must provide you with the proof within 30 days otherwise the hard inquiry must be removed from your credit report.
Can Disputebee Remove Late Payments?
Disputebee can help you remove late payments from your credit report.
Payment history is the biggest factor credit bureaus use when calculating your credit score.
To Clarify, If you have any late payments, missed payments or partial payments this can drastically lower your credit score.
Payment history makes up 35% of your FICO score.
To avoid late payments or missed payments always try to pay on-time by setting up automatic payments,
Make sure you only spend what you can afford on your credit cards because late Payments can lead to additional fee’s and make it harder to pay off the balance.
When you are looking through your credit report you want to look at the payments to see if there is any incorrect remarks or old payments.
A late payment on your credit report can last up to 7 years. In the case that you notice any late payments that are older than 7 years old you can dispute this item to the credit bureaus too.
Incorrect remarks could include late payments that you made on-time but were marked as late, or any missed payments that you know you paid.
Sometimes humans make mistakes and that is why it’s important to check your credit report thoroughly so these mistakes won’t lower your credit score.
Do you have any incorrect payment information on your credit report? If so send in a copy of the proof with a dispute letter from Disputebee stating the mistake and ask it to be removed.
The credit bureaus must respond to your request within 30 days. They also need to verify that all the items you are disputing are verifiable and accurate, and If they don’t, it must be removed from your credit report.
Can You Dispute Accurate Late Payments?
You can not ethically dispute anything from your credit report that is 100% accurate, even if it is hurting your credit score, however there is another option you can do to try and remove late payments.
To avoid late payments or missed payments:
- Always try to pay on-time by setting up automatic payments.
- Make sure you only spend what you can afford on your credit card. This way you aren’t carrying so much debt that it causes you to fall deeper into the debt trap.
- If you have a lot of credit card debt that you are paying interest on try applying for a no-interest credit card or apply for a consolidation loan to lower your payments.
A goodwill letter is a letter stating the reason for the late payment. Use a goodwill letter to explain how this isn’t the norm and won’t happen again, as a result there is a chance that the creditor might be kind enough to remove the late payment from your credit report. However, There is no guarantee that they will remove the item but it is better than waiting 7 years for it to fall off your credit report.
Can Disputebee Remove Collections?
Yes, Disputebee can help you remove collections from your credit report. Having collections on your credit report can lower your credit score drastically, because payment history makes up the majority of your entire credit score.
Chances are if you have collections show up on your credit report you will be denied for personal loans, home loans, auto loans, and new credit cards. In addition, most collections will stay on your credit report for 7 years.
How Can You Remove Collections From Your Credit Report?
To remove collections from your credit report you can leverage consumer laws such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). With these two laws you can hold the credit bureaus and collection agencies accountable for the collections they report.
When you dispute a collection the credit bureau and collection agency they must prove that the collection being disputed is complete and accurate. As a result, if they fail to provide you with this information, they are required by law to remove this item from your credit report.
Collection agencies must provide documentation that they are legally allowed to collect this debt from you. They also must prove the debt is within the statue of limitation, prove the information is accurate and the balances are correct. If they fail to provide you with proof they must remove the collection completely.
You can use Disputebee to automatically generate a dispute letter. Print and mail the letters to the credit bureaus and collection agency through fax and/or mail. By doing this a person will have to take a look at it and do the research to provide the proof.
Can Disputebee Remove Bankruptcies?
Disputebee can help you remove any bankruptcies that are past the statute of limitations.
Bankruptcies will stay on your credit report for 7 to 10 years before they fall off.
If you have filed for bankruptcy and it has been over 7 to 10 years and it is still showing up on your credit report you can use disputebee to automatically generate a dispute letter.
Mail this dispute letter to the credit bureaus with proof that this bankruptcy is past the statute of limitations and they need to remove the item from your credit report.
Disputebee Pros & Cons
Before you decide to try Disputebee it’s important to learn what previous customers thought about the software.
We looked at several other sites to find other Disputebee reviews and as a result, found that past and current clients loved Disputebee.
Many customers found that Disputebee was easy to use, therefor ranked it the best software for removing inquiries and collections.
Here are some more Disputebee Reviews:
Disputebee has an A+ rating on the BBB however it does have one total complaint within the last three years. The one complaint was responded to and resolved in a timely manner.
When looking for Disputebee reviews it’s important to note what the review is stating, the date, and what the response from Disputebee is.
The best companies respond to reviews quickly no matter if they are negative or positive.
Disputeebee does a great job in responding to any issues and getting the issue resolved.
Is Disputebee The Best Credit Repair Software?
Disputebee is one of the best credit repair softwares on the market providing best credit repair services especially if you are someone who is looking to have items disputed from your credit report. However, there are other alternatives to Disputebee that can help take your credit repair business to the next level.
Is Disputebee Legitimate
Yes, Disputebee is legit! Disputebee is used by thousands of individuals and credit specialist to run their businesses. Disputebee helps you create automated dispute letters and makes the disputing process easier!
Disputebee is not a scam, it is a powerful, reliable and easy to use credit repair software.
While Disputebee is one of the best credit repair software for business and professionals in the market, never the less there are some credit repair softwares that offer different features that you may be interested in.
Credit Repair Cloud is a software that will launch and grow your credit repair business. This software offers intensive training so you know what credit is and how run your credit repair business successfully.
With credit repair cloud you can dispute items, import clients and leads with the CRM system, integrates with thousands of popular web apps for you business, capture leads and signups from any website and invoice clients.
Credit Repair Cloud has a 30 day trial as well as a 30 day money back guarantee if you aren’t satisfied with the software.
The Credit Repair Blueprint Course isn’t a software, but it is an easy DIY credit education course so you can learn everything there is to no about credit.
You will also have access to free dispute letters so you can remove items that might be negatively impacting your credit score. Furthermore, This course will teach you how to fix your credit score for life!
The Credit Repair Blueprint Course will teach you about credit and how to dispute items. In addition, it will also show you how to use credit to your advantage so you can earn passive income with your credit. In addition it will show you how to apply for the best credit cards, get bonus offers for opening bank account and how to build business credit.
The Credit Repair Course includes:
Do you have bad credit, no credit, or want to learn how to become a credit expert and start your own credit repair business?
Signup for the #1 DIY Credit Repair Course
In conclusion, if you are looking to start a credit repair business or want to increase your credit score Disputebee is a great option for many reasons.
Firstly, Disputebee’s software makes it extremely easy to Import your credit report.
Secondly it automatically generates dispute letters to remove hard inquiries, collections, late payments and more from your credit report and finally it monitors the status of your disputes.
We hope you enjoyed our complete Disputebee review, as it is a fantastic solution for credit repair. In our opinion Disputebee is one of the best budget friendly credit repair softwares for professional, credit repair companies and individuals.
DisputeBee Reviews: Final Rating
In Conclusion, DisputeBee is a one-stop credit repair software providing credit repair services and credit monitoring for you and your business. It is completely automated from the start until the end. What I believe most people will like about DisputeBee is the pre-formatted letter templates and bulk generators that make the credit repair process much easier to navigate.
If you are searching for very affordable top credit repair software with credit monitoring for your credit repair business then look into DisputeBee. We hope that this DisputeBee review has helped.
DisputeBee is a very high quality credit repair tool that makes getting started with a credit repair business simple.
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