{
 "schema_version": "1.0",
 "id": "credit-repair-cloud",
 "name": "Credit Repair Cloud",
 "research_status": "researched",
 "vendor_domain": "creditrepaircloud.com",
 "category": "Financial Operations",
 "task": "Something else",
 "summary": "Software for running a credit-repair business: client management, dispute automation and letter workflows. It is not a tool for repairing your own credit.",
 "best_for": "entrepreneurs building or running a credit-repair business who need client management, dispute automation and done-for-you letter workflows",
 "skip_if": "you just want to fix your own personal credit (you don't need this), or you're not prepared for the sales and compliance work a client business demands",
 "honest_knock": "This is business-in-a-box software for starting a credit-repair company, not a tool that repairs your own credit — the price only makes sense if you're actually building a client business on it. The middle tiers jump fast as you add clients and seats, and success depends far more on your sales and compliance discipline (credit repair is a regulated space) than on the software. Buy it as an operator, not a consumer.",
 "pricing": {
  "status": "public",
  "entry_price": "$49",
  "entry_price_terms": "a month for one user",
  "from_price_usd_month": 49.0,
  "plans": null,
  "plans_source": null,
  "notes": "(price re-verified 2026-08-21 against the vendor's own pricing page, and now with the published limits rather than approximations) There are five plans, priced monthly. Personal is $49 for 1 user and up to 3 friends and family, and Start $179 for up to 3 users and 300 active clients. Grow is $299 for 6 users and 600 clients, and Scale $399 for 12 users and 1,200 clients. Enterprise is $599 for 24 users and 2,400 clients. Annual billing takes 20% off and is shown as a monthly equivalent on the four business tiers: $143.20, $239.20, $319.20 and $479.20. Every plan carries a 30-day free trial, the vendor states it charges no startup fees, and monthly plans have no long-term contract while annual plans require a one-year term. Re-verified unchanged on 10 October 2026; the page's yearly 'Save' badges ($429, $717, $957 and $1,437) match 20% of the monthly rate. Add-ons are priced per plan: one extra team member or 100 extra client slots costs $50 a month on Start, $40 on Grow, $30 on Scale and $20 on Enterprise, and Personal lists none.",
  "verified_at": "2026-10-10",
  "source_url": null,
  "schema_offer": null,
  "source_quotes": null,
  "recent_change": null
 },
 "free_plan": false,
 "free_plan_evidence": null,
 "cost_traps": [
  {
   "id": "addons_extra",
   "label": "Key features are paid add-ons",
   "evidence": "Add-ons are priced per plan: one extra team member or 100 extra client slots costs $50 a month on Start, $40 on Grow, $30 on Scale and $20 on Enterprise, and Personal lists none.",
   "verified_at": "2026-10-10",
   "source_url": null
  },
  {
   "id": "annual_lock",
   "label": "Annual commitment",
   "evidence": "Annual billing takes 20% off and is shown as a monthly equivalent on the four business tiers: $143.20, $239.20, $319.20 and $479.20.",
   "verified_at": "2026-10-10",
   "source_url": null
  }
 ],
 "compare_with": {
  "name": "Dispute Fox or Client Dispute Manager",
  "why": "comparable credit-repair business platforms — compare on client limits and automation depth at your stage"
 },
 "links": {
  "record": "https://aibuildermarketplace.com/api/v1/products/credit-repair-cloud.json",
  "review": "https://officesoftwaremarketplace.com/credit-repair-cloud-review.html",
  "marketplace": "https://aibuildermarketplace.com/marketplace/credit-repair-cloud/",
  "vendor_site": "https://creditrepaircloud.com"
 },
 "purchase": {
  "seller": "the vendor",
  "how": "AIBuilder Marketplace does not sell this software. Sign up, start a trial or buy on the vendor's site.",
  "handoff_url": "https://get.creditrepaircloud.com/rzjqacc3xbwo",
  "affiliate": true,
  "disclosure": "Where purchase.affiliate is true, purchase.handoff_url is an affiliate link: AIBuilder Marketplace may earn a commission at no extra cost to the buyer. Commission never changes what a record says, and products are not ranked by commission. Where it is false the link is the vendor's plain site."
 },
 "provenance": {
  "research": "hand-researched dossier, read on the vendor's own pages",
  "researched_since": "2026-07",
  "method": "https://aibuildermarketplace.com/how-we-review/",
  "license": "CC BY 4.0. Credit 'AIBuilder Marketplace' with a link to https://aibuildermarketplace.com/atlas/.",
  "note": "A rebuild is not a new measurement: pricing.verified_at is the date that matters."
 },
 "cost": {
  "status": "available",
  "engine": "https://aibuildermarketplace.com/agents/#cost",
  "rules": {
   "currency": "USD",
   "unit": "user",
   "axis": "users",
   "plans": [
    {
     "id": "personal",
     "name": "Personal",
     "audience": "personal",
     "model": "flat",
     "max_units": 1,
     "monthly": 49,
     "annual_status": "unknown",
     "evidence": "Personal is $49 for 1 user and up to 3 friends and family"
    },
    {
     "id": "start",
     "name": "Start",
     "model": "flat",
     "max_units": 3,
     "monthly": 179,
     "annual_month": 143.2,
     "evidence": "Start $179 for up to 3 users and 300 active clients. Grow is $299 for 6 users and 600 clients, and Scale $399 for 12 users and 1,200 clients. Enterprise is $599 for 24 users and 2,400 clients. Annual billing takes 20% off and is shown as a monthly equivalent on the four business tiers: $143.20, $239.20, $319.20 and $479.20"
    },
    {
     "id": "grow",
     "name": "Grow",
     "model": "flat",
     "max_units": 6,
     "monthly": 299,
     "annual_month": 239.2,
     "evidence": "Start $179 for up to 3 users and 300 active clients. Grow is $299 for 6 users and 600 clients, and Scale $399 for 12 users and 1,200 clients. Enterprise is $599 for 24 users and 2,400 clients. Annual billing takes 20% off and is shown as a monthly equivalent on the four business tiers: $143.20, $239.20, $319.20 and $479.20"
    },
    {
     "id": "scale",
     "name": "Scale",
     "model": "flat",
     "max_units": 12,
     "monthly": 399,
     "annual_month": 319.2,
     "evidence": "Start $179 for up to 3 users and 300 active clients. Grow is $299 for 6 users and 600 clients, and Scale $399 for 12 users and 1,200 clients. Enterprise is $599 for 24 users and 2,400 clients. Annual billing takes 20% off and is shown as a monthly equivalent on the four business tiers: $143.20, $239.20, $319.20 and $479.20"
    },
    {
     "id": "enterprise",
     "name": "Enterprise",
     "model": "flat",
     "max_units": 24,
     "monthly": 599,
     "annual_month": 479.2,
     "evidence": "Start $179 for up to 3 users and 300 active clients. Grow is $299 for 6 users and 600 clients, and Scale $399 for 12 users and 1,200 clients. Enterprise is $599 for 24 users and 2,400 clients. Annual billing takes 20% off and is shown as a monthly equivalent on the four business tiers: $143.20, $239.20, $319.20 and $479.20"
    }
   ],
   "notes": [
    "Annual billing requires a one-year term; monthly plans have no long-term contract."
   ],
   "not_computable": [
    "Active-client caps (300 / 600 / 1,200 / 2,400) can force a higher tier before the user count does.",
    "Extra team members or 100 extra client slots are add-ons at $50 (Start), $40 (Grow), $30 (Scale) or $20 (Enterprise) a month each; the rules move you up a tier instead of adding them."
   ],
   "rules_verified_at": "2026-10-28"
  },
  "growth": {
   "annual": {
    "product_id": "credit-repair-cloud",
    "currency": "USD",
    "axis": "users",
    "unit": "user",
    "billing": "annual",
    "rows": [
     {
      "units": 1,
      "cheapest_plan": "start",
      "cheapest_plan_name": "Start",
      "total_month": 143.2,
      "billed": {
       "amount": 1718.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": 143.2,
       "grow": 239.2,
       "scale": 319.2,
       "enterprise": 479.2
      }
     },
     {
      "units": 2,
      "cheapest_plan": "start",
      "cheapest_plan_name": "Start",
      "total_month": 143.2,
      "billed": {
       "amount": 1718.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": 143.2,
       "grow": 239.2,
       "scale": 319.2,
       "enterprise": 479.2
      }
     },
     {
      "units": 3,
      "cheapest_plan": "start",
      "cheapest_plan_name": "Start",
      "total_month": 143.2,
      "billed": {
       "amount": 1718.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": 143.2,
       "grow": 239.2,
       "scale": 319.2,
       "enterprise": 479.2
      }
     },
     {
      "units": 5,
      "cheapest_plan": "grow",
      "cheapest_plan_name": "Grow",
      "total_month": 239.2,
      "billed": {
       "amount": 2870.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": 239.2,
       "scale": 319.2,
       "enterprise": 479.2
      }
     },
     {
      "units": 10,
      "cheapest_plan": "scale",
      "cheapest_plan_name": "Scale",
      "total_month": 319.2,
      "billed": {
       "amount": 3830.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": 319.2,
       "enterprise": 479.2
      }
     },
     {
      "units": 15,
      "cheapest_plan": "enterprise",
      "cheapest_plan_name": "Enterprise",
      "total_month": 479.2,
      "billed": {
       "amount": 5750.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": 479.2
      }
     },
     {
      "units": 20,
      "cheapest_plan": "enterprise",
      "cheapest_plan_name": "Enterprise",
      "total_month": 479.2,
      "billed": {
       "amount": 5750.4,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": 479.2
      }
     },
     {
      "units": 25,
      "cheapest_plan": null,
      "cheapest_plan_name": null,
      "total_month": null,
      "billed": null,
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": "not_eligible"
      }
     },
     {
      "units": 50,
      "cheapest_plan": null,
      "cheapest_plan_name": null,
      "total_month": null,
      "billed": null,
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": "not_eligible"
      }
     },
     {
      "units": 100,
      "cheapest_plan": null,
      "cheapest_plan_name": null,
      "total_month": null,
      "billed": null,
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": "not_eligible"
      }
     }
    ],
    "switch_points": [
     {
      "from_units": 3,
      "to_units": 5,
      "from_plan": "start",
      "to_plan": "grow",
      "from_plan_name": "Start",
      "to_plan_name": "Grow"
     },
     {
      "from_units": 5,
      "to_units": 10,
      "from_plan": "grow",
      "to_plan": "scale",
      "from_plan_name": "Grow",
      "to_plan_name": "Scale"
     },
     {
      "from_units": 10,
      "to_units": 15,
      "from_plan": "scale",
      "to_plan": "enterprise",
      "from_plan_name": "Scale",
      "to_plan_name": "Enterprise"
     },
     {
      "from_units": 20,
      "to_units": 25,
      "from_plan": "enterprise",
      "to_plan": null,
      "from_plan_name": "Enterprise",
      "to_plan_name": null
     }
    ],
    "conflicts": [],
    "unknowns": [
     "Active-client caps (300 / 600 / 1,200 / 2,400) can force a higher tier before the user count does.",
     "Extra team members or 100 extra client slots are add-ons at $50 (Start), $40 (Grow), $30 (Scale) or $20 (Enterprise) a month each; the rules move you up a tier instead of adding them."
    ]
   },
   "monthly": {
    "product_id": "credit-repair-cloud",
    "currency": "USD",
    "axis": "users",
    "unit": "user",
    "billing": "monthly",
    "rows": [
     {
      "units": 1,
      "cheapest_plan": "start",
      "cheapest_plan_name": "Start",
      "total_month": 179.0,
      "billed": {
       "amount": 179.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": 179.0,
       "grow": 299.0,
       "scale": 399.0,
       "enterprise": 599.0
      }
     },
     {
      "units": 2,
      "cheapest_plan": "start",
      "cheapest_plan_name": "Start",
      "total_month": 179.0,
      "billed": {
       "amount": 179.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": 179.0,
       "grow": 299.0,
       "scale": 399.0,
       "enterprise": 599.0
      }
     },
     {
      "units": 3,
      "cheapest_plan": "start",
      "cheapest_plan_name": "Start",
      "total_month": 179.0,
      "billed": {
       "amount": 179.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": 179.0,
       "grow": 299.0,
       "scale": 399.0,
       "enterprise": 599.0
      }
     },
     {
      "units": 5,
      "cheapest_plan": "grow",
      "cheapest_plan_name": "Grow",
      "total_month": 299.0,
      "billed": {
       "amount": 299.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": 299.0,
       "scale": 399.0,
       "enterprise": 599.0
      }
     },
     {
      "units": 10,
      "cheapest_plan": "scale",
      "cheapest_plan_name": "Scale",
      "total_month": 399.0,
      "billed": {
       "amount": 399.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": 399.0,
       "enterprise": 599.0
      }
     },
     {
      "units": 15,
      "cheapest_plan": "enterprise",
      "cheapest_plan_name": "Enterprise",
      "total_month": 599.0,
      "billed": {
       "amount": 599.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": 599.0
      }
     },
     {
      "units": 20,
      "cheapest_plan": "enterprise",
      "cheapest_plan_name": "Enterprise",
      "total_month": 599.0,
      "billed": {
       "amount": 599.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": 599.0
      }
     },
     {
      "units": 25,
      "cheapest_plan": null,
      "cheapest_plan_name": null,
      "total_month": null,
      "billed": null,
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": "not_eligible"
      }
     },
     {
      "units": 50,
      "cheapest_plan": null,
      "cheapest_plan_name": null,
      "total_month": null,
      "billed": null,
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": "not_eligible"
      }
     },
     {
      "units": 100,
      "cheapest_plan": null,
      "cheapest_plan_name": null,
      "total_month": null,
      "billed": null,
      "ranges": [],
      "per_plan": {
       "personal": "not_eligible",
       "start": "not_eligible",
       "grow": "not_eligible",
       "scale": "not_eligible",
       "enterprise": "not_eligible"
      }
     }
    ],
    "switch_points": [
     {
      "from_units": 3,
      "to_units": 5,
      "from_plan": "start",
      "to_plan": "grow",
      "from_plan_name": "Start",
      "to_plan_name": "Grow"
     },
     {
      "from_units": 5,
      "to_units": 10,
      "from_plan": "grow",
      "to_plan": "scale",
      "from_plan_name": "Grow",
      "to_plan_name": "Scale"
     },
     {
      "from_units": 10,
      "to_units": 15,
      "from_plan": "scale",
      "to_plan": "enterprise",
      "from_plan_name": "Scale",
      "to_plan_name": "Enterprise"
     },
     {
      "from_units": 20,
      "to_units": 25,
      "from_plan": "enterprise",
      "to_plan": null,
      "from_plan_name": "Enterprise",
      "to_plan_name": null
     }
    ],
    "conflicts": [],
    "unknowns": [
     "Active-client caps (300 / 600 / 1,200 / 2,400) can force a higher tier before the user count does.",
     "Extra team members or 100 extra client slots are add-ons at $50 (Start), $40 (Grow), $30 (Scale) or $20 (Enterprise) a month each; the rules move you up a tier instead of adding them."
    ]
   }
  }
 },
 "unknowns": [
  "Plan-by-plan prices are not structured in this record yet; pricing.notes has the full text.",
  "Contract terms (cancellation, data export, data location, minimum seats) are not researched as separate fields; pricing.notes mentions them only where the vendor's pricing page does.",
  "Being verified: free trial and refund terms are not yet matched to a verbatim line on the vendor's own pages. Not matched does not mean there is none.",
  "Not tested hands-on by us: what the product does comes from the vendor's pages and our reading of them."
 ],
 "verification": {
  "price": "read",
  "free_trial": "being_verified",
  "refund": "being_verified"
 },
 "status_page": {
  "source_url": "https://status.creditrepaircloud.com",
  "platform": "statuspage",
  "period": {
   "from": "2026-07-31T05:40:02.324152Z",
   "to": "2026-10-29T05:40:02.324152Z",
   "days": 90
  },
  "read_at": "2026-10-29T05:40:02.324152Z",
  "source_urls": [
   "https://status.creditrepaircloud.com/history.rss"
  ],
  "claim": null,
  "scope": "CRC Status. Counts cover all incidents on this page; no component filtering. May include services beyond the reviewed product.",
  "incident_count": null,
  "observed_count": 1,
  "counts_by_vendor_label": {
   "unknown": 1
  },
  "major_or_critical_count": null,
  "observed_major_or_critical_count": 0,
  "duration_seconds": null,
  "known_duration_seconds": null,
  "duration_known_count": 0,
  "ongoing_count": null,
  "incidents": [
   {
    "id": "https://status.creditrepaircloud.com/incidents/kjfkq8lj5vpx",
    "source_url": "https://status.creditrepaircloud.com/incidents/kjfkq8lj5vpx",
    "label": "unknown",
    "title": "We're giving your account extra protection today",
    "started_at": null,
    "published_at": "2026-10-22T08:24:07Z",
    "resolved_at": null,
    "ongoing": null,
    "kind": "notice"
   }
  ],
  "coverage": "feed_entries_only",
  "note": "Vendor-reported incidents, not measured uptime. Durations are summed per incident, clipped to the window; overlaps count separately. Feed notices use publication dates, may include maintenance and lack original start/end times. Counts cover the whole vendor page, not product-only incidents.",
  "availability": "ok"
 },
 "task_evidence": null,
 "open_questions": [
  {
   "question_id": "credit-repair-cloud:cancellation_terms",
   "key": "cancellation_terms",
   "question": "Can a customer cancel at any time, and what happens to an annual plan that is cancelled mid-term?",
   "status": "open"
  },
  {
   "question_id": "credit-repair-cloud:data_export",
   "key": "data_export",
   "question": "Which data can a customer export, in which formats, on which plans?",
   "status": "open"
  },
  {
   "question_id": "credit-repair-cloud:data_location",
   "key": "data_location",
   "question": "Where is customer data stored, and can a customer choose the region?",
   "status": "open"
  },
  {
   "question_id": "credit-repair-cloud:pricing_gap_1",
   "key": "pricing_gap_1",
   "question": "Our price check could not put a number on this part of the cost: Active-client caps (300 / 600 / 1,200 / 2,400) can force a higher tier before the user count does. Can you publish the price or the rule?",
   "status": "open"
  },
  {
   "question_id": "credit-repair-cloud:pricing_gap_2",
   "key": "pricing_gap_2",
   "question": "Our price check could not put a number on this part of the cost: Extra team members or 100 extra client slots are add-ons at $50 (Start), $40 (Grow), $30 (Scale) or $20 (Enterprise) a month each; the rules move you up a tier instead of adding them. Can you publish the price or the rule?",
   "status": "open"
  }
 ],
 "vendor_answers": [],
 "agent_channels": {
  "vendor_mcp": null,
  "agent_checkout": {
   "status": "not_found",
   "detail": "No explicit support for purchases by AI agents on the vendor's own pages.",
   "checked_at": "2026-10-07",
   "method": "homepage, /pricing and the pricing page we cite, read as plain HTML (no JavaScript) and searched for explicit support of purchases by AI agents: Agentic Commerce Protocol, Instant Checkout, Agent Payments Protocol, buy in ChatGPT, agentic checkout"
  }
 }
}