Keep your spreadsheets
A reasonable option when your existing process is manageable and cost is your main concern. You maintain your own connections between records, documents and next steps.
Compare your options
Credit repair software that fits the way your team works.
FixMy.Money brings client records, report review and editable dispute drafts into one workspace. Choose it when those core workflows are your priority and its current feature set meets your needs.
FixMy.Money vs. Credit Repair Cloud vs. DisputeBee
Monthly business plans shown below. Vendor pricing and capabilities were checked on October 24, 2026; confirm current terms before purchasing. These are different feature bundles, not equivalent products.
| Consideration | FixMy.Money Essential | Credit Repair Cloud Start | DisputeBee Business |
|---|---|---|---|
| Monthly subscription | $99 after trial | $179 | $129 |
| Client / team capacity | 300 active clients / 3 team members | 300 active clients / 3 users | Unlimited clients / team members advertised |
| Workflow to evaluate | CRM, report imports, editable dispute drafts and client portal | Agency platform with billing, automations and a private-label portal listed | Bulk letters, mail API, client portal and billing integration listed |
| Decision tradeoff | Lower listed subscription here; billing and automations remain planned, and portal branding is planned. | Higher listed subscription; evaluate its broader included operational tools. | Higher listed subscription; evaluate unlimited capacity and its letter workflow. |
| Verify details | Live feature table | Official pricing and features | Official plans and features |
Compare total cost, including any postage, credit reports, payment-processing fees and paid third-party usage. A lower subscription price does not establish lower total cost. Competitor descriptions reflect published claims, not hands-on testing.
Spreadsheets, a general CRM, or a dedicated workspace?
Configure a general CRM
Consider this when your sales pipeline and existing integrations drive the decision. Check what setup or additional tools your report-review and dispute workflows need.
Choose FixMy.Money
Consider it when you want client CRM, report imports, editable drafts and a portal together. Confirm the currently available features cover your day-to-day work.
Questions worth asking before you switch
“My spreadsheet already works.”
If your records are organized and your workload is manageable, staying with it may be sensible. Consider FixMy.Money when your team needs client records, report imports, editable dispute drafts and portal access together. Test whether that reduces your actual handoffs before committing.
“Switching will disrupt my business.”
Start with a small, authorized sample of your workflow. Check supported report formats, document handling and team access. Keep your current records and open deadlines intact until you have verified the new workflow. Automatic transfer of your entire client history is not promised.
“I need billing, integrations and branding today.”
FixMy.Money currently marks client billing, automations/API access and email automations as planned; custom portal branding is also planned. If these are essential today, choose a platform that already meets those requirements. Check our live feature table before subscribing.
“Why trust a newer provider?”
Meet the founder on our About page, review our security and privacy information, and test the product against your own requirements. We do not present sample scores as customer outcomes or invent customer endorsements. Ask support about requirements you cannot verify in the demo.
“Can I leave if it is not a fit?”
Eligible new accounts receive a 30-day trial with a card required. Cancel before the displayed trial end date to avoid subscription billing. Review the cancellation policy and confirm how you will retain the records you need before moving your business.
“Will this improve my clients’ scores automatically?”
No software can promise a specific score increase or deletion. You review facts, edit drafts and approve next steps. Evaluate FixMy.Money on whether it supports your work, not on a promised credit outcome.
Questions before you get started
Why switch from spreadsheets?
FixMy.Money brings client records, credit-report imports, editable dispute drafts, and a client portal into one workspace, helping your team keep related work together.
Will I still review dispute letters?
Yes. You review the facts, edit drafts, and approve your next steps. The software supports your judgment.
Does it guarantee credit-score improvements?
No. FixMy.Money provides software tools and does not guarantee score increases or deletions.
Are all advertised capabilities available now?
Check the pricing page’s feature table before subscribing. It identifies currently available features and capabilities still planned.