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 disputebee review and see what we find out!
What Is Disputebee?
Disputebee started in early 2012, the company operates with credit repair software that is used by over 100 thousand users all over the world to help them restore their credit file status after identity theft or some other type of financial setback. DisputeBee uses proprietary data tools and algorithms to verify your account , find the errors on your credit file, and then remove them. Disputebee can help you dispute all kinds of derogatory information like late payments or hard inquiries with just a few simple clicks!
You can use Disputebee for your credit repair business or if you just want to fix your own personal credit.
How Does Disputebee Work?
Disputebee has a three step process to help you access your credit report and dispute items to improve your credit score.
Step 1 Credit Report
Before you start the credit repair process you will need to import your credit report. You can get your free credit report here and the Disputebee software will walk your through how to access to your clients credit report, how to import it into the Disputebee software, and how to monitor the report for any changes.
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, bankruptcies and more.
Disputebee will automatcially generate the dispute letters for you so all you need to do is print it out and mail them to the credit bureaus.
Step 3 Track Your Progress
Once you mail out your first round of letters to the credit bureaus(Experian, Equifax, and TransUnion) you will wait for their response and then upload it into Disputebee. It might take multiple rounds of letters with the credit bureaus to see any items get removed or for information to be corrected. 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.
How Much Does Disputebee Cost?
Disputebee has two simple packages, one for individuals and one for business.
Individual- $39 a month
- Import your credit report
- Supports all 3 credit bureaus
- Personal disputes to credit bureaus
- Personal disputes to collectors
- Pre-written letter templates
- Dispute process tracker
- Dispute collections
- Dispute credit inquiries
- Dispute late payments
- Dispute bankruptcies
- Intelligent letter suggester
Business – $99 a month
- Everything in the individual plan plus:
- Add unlimited team members
- Create unlimited clients
- Advanced dispute strategies
- Bulk generate letters
- Bulk print letters
- Send mail via API
- Custom letter templates
- Custom letter sequences
- E-contract integration
- Client portal
- Zapier integration
- Client billing integration
How Do I Cancel My Disputebee Account?
You can cancel your Disputebee account at any time.
Find your account information and select cancel at anytime.
Can Disputebee Remove Hard Inquiries?
Yes, Disputebee can help you remove hard inquiries. Companies need your consent in order to access your credit, if they don’t they are violating a federal law called the Fair Credit Reporting Act (FCRA). So if a company pulls your credit without your consent 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. However, if you have 10 inquiries within the last two years it could lowering your credit score by 70 points as each hard inquiry is between 3 to 7 points.
When you pull your credit report and you notice you have several hard inquires that you don’t recognize you can use Disputebee to send dispute letters to the credit bureaus explaining that you don’t recognize these hard inquires so a company 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.
Related: What Is A Hard Inquiry
Can Disputebee Remove Late Payments?
Yes, Disputebee can help you remove late payments from your credit report. Payment history is the biggest factor credit bureaus use when creating your credit score. 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 score so you aren’t sitting on so much debt and getting deeper in the hole. 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.
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 will last for 7 years at most. If you notice any late payments that are older than 7 years old you can dispute this item to the credit bureaus.
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.
If you notice any incorrect payment information on your credit report 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 and they need to verify that all the item you are disputing is verifiable and accurate. If they don’t, it must be removed from your credit report.
Can You Dispute Accurate Late Payments?
While you can’t dispute anything from your credit report that is 100% accurate, even it is hurting your credit score, there is another option you can do to try and remove late payments.
A goodwill letter is a letter stating the reason for the late payment and explaining how this isn’t the norm and won’t happen again. There is a chance that the creditor might be kind enough to remove the late payment from your credit report. 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, as 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. Most collections will stay on your credit report for 7 years.
So 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 must prove that the collection being disputed is complete and accurate. 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, 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 and mail it to the credit bureaus and collection agency through mail so 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 7to 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
- Automated dispute letters
- Intelligent letter suggester to help you find the right letter for your dispute
- Supports all three credit bureaus
- Platform is simple and easy to use for individuals or to run your credit repair business.
- Easily dispute collections, hard inquiries, late payments, and bankruptcies
- Process tracker to track your progress of disputes
- A little more expensive than some of their competitors
- Has limited features in the individual plan
- Doesn’t have invoicing options or business integrations like other credit repair software
Before you decide to try Disputebee it’s important to learn what previous customers thought about the software.
Disputebee has an A+ rating on the BBB with one total complaint within the last three years. The one complaint was responded to and resolved in a timely manner.
Is Disputebee The Best Credit Repair Software?
Disputebee is one of the best credit repair softwares on the market 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 and offer more training and better features than just disputes.
While Disputebee is one of the best credit repair softwares on the market there are some credit repair softwares that offer different features that you might be interested in.
Credit Repair Cloud is a software to 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 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. This course will teach you how to fix your credit score for life!
The Credit Repair Blueprint Course will not only teach you about credit and how to dispute items but how to use credit to your advantage so you can make passive income with your credit, apply for the best credit cards, get bonus offers for opening bank account and how to invest in a business using your credit.
If you are looking to start a credit repair business or want to increase your credit score Disputebee is a great option. Disputebee’s software makes it easy to automatically generate dispute letters to remove hard inquiries, collections, late payments and more from your credit report.
Do you have bad credit, no credit, or want to learn how to become a credit expert?
Signup for the #1 DIY Credit Repair Course
The Credit Repair Course includes:
- How to find your credit report and your ACTUAL Credit Score
- A breakdown of how your credit score is calculated
- How to increase your credit score in each category
- The best tools to increase your credit score fast
- How to dispute negative items from your credit report
- Credit dispute letter templates and when to send them
- The best credit cards for your credit score
- How to use credit cards to leverage your money and business
- How to use credit cards to get free travel, bonuses and rewards
Learn how to fix your credit for life by enrolling in The Credit Repair Blueprint today!