The short answer
A charge for CREDIT REPAIR CLOUD represents a software subscription for credit repair business operators and dispute automation by Credit Repair Cloud LLC.
Why it shows up like this
A statement entry labeled CREDIT REPAIR CLOUD indicates a software subscription charge from Credit Repair Cloud LLC. The company provides a dedicated business-to-business platform built for consultants and small agencies that manage consumer credit dispute letters, client records, and credit report importing. Rather than consumer credit repair services like lexington-law-firm, this merchant sells recurring software licenses specifically to business operators.
This recurring charge typically appears because an active subscription automatically renewed for another monthly or annual cycle. Plans generally start at $179 per month for the Start tier and scale upward to $599 monthly for higher-volume plans. Another common trigger is the conclusion of a 30-day promotional trial, which converts into full monthly billing if the trial is not cancelled before its expiration date.
If you are operating a credit repair agency and wish to update or cancel your plan, log in at app.creditrepaircloud.com, navigate to My Account, and select Billing & Plan to stop future renewals. If you never registered for this business software, someone may have compromised your payment card to launch a dispute management account. In that case, contact Credit Repair Cloud customer support at support@creditrepaircloud.com and dispute the charge directly with your card provider.
Common reasons for this charge
Unexpected charges frequently occur when an introductory trial rolls over into a standard monthly membership. Business owners may also see unexpected renewals if an automated yearly plan cycles without prior notice.
- An ongoing monthly SaaS subscription for credit repair business operations renewed.
- A 30-day trial for new software users expired and transitioned to standard monthly billing.
- An annual enterprise software tier billed on its scheduled anniversary.
How to locate the invoice and cancel
- Sign in to Credit Repair Cloud Go to app.creditrepaircloud.com and enter admin credentials.
- Open Company Settings review to My Account > Billing & Plan.
- Cancel Plan Click Cancel Subscription or contact billing support at support@creditrepaircloud.com.
Frequently Asked Questions
Can I get a refund if I did not use the software?
Credit Repair Cloud offers a 30-day money-back guarantee for first-time subscribers upon request to support.
What happens to client data upon cancellation?
Client dispute records remain archived for a grace period before permanent account deletion.
Dispute Rights & Fraud Prevention
If you did not establish a Credit Repair Cloud account, report the charge immediately to your card issuer.
Dispute unauthorized transactions under the Fair Credit Billing Act within 60 days of the statement date.
How do I dispute an unauthorized Credit Repair Cloud charge?
Contact your bank to file a dispute and reach out to Credit Repair Cloud billing support.
How long does a billing dispute investigation take?
Federal law allows banks up to 90 days (two full billing cycles) to conclude an investigation.
Independent reference — not affiliated with Credit Repair Cloud LLC. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Credit Repair Cloud Terms of Service https://www.creditrepaircloud.com
- CFPB: Credit Repair Organizations Act (CROA) Summary https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges