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The Personal Credit Builder Review

Credit repair services can be effective, but they can also be expensive. If you have credit errors that are destroying your credit score, you can go to the do-it-yourself route to remove them and save yourself hundreds of dollars in the process.

The Personal Credit Builder is just the kind of credit repair software that will help you do that.

It comes with the tools you normally find with any credit repair software, including standard form letters that can be customized and used to dispute credit information with both creditors and major credit bureaus. The software also helps to organize your credit repair effort in one place.

But The Personal Credit Builder goes beyond the usual credit repair parameters. They also provide you with the tools that will help you to add good credit to your credit report, as well as to better manage your finances going forward.

After all, once you repair your credit and improve your credit scores, the next job will be to maintain it in the future. The Personal Credit Builder will help you with all of that.

Table of Contents:

  • About Personal Credit Builder
  • How It Works
  • Details
  • Bonus Tools
  • Pricing & Fees
  • How To Download
  • Pros & Cons
  • Who is it Best For?

About The Personal Credit Builder

The Personal Credit Builder, also known as Personal Credit Software, is provided by LMR International, Inc. LMR International, Inc. is a computer hardware and software developer company, based in Fort Lauderdale, Florida, and in business for 22 years.

The company bills the software as “a credit repair tool that really works”. They promise you’ll begin seeing results in 30 days and that you can legally increase your credit score and save thousands of dollars in interest in the process.

In addition to offering the personal credit repair software version, they also offer the professional version, known as the Credit Money Machine Net.

The personal version can do exactly what the professional version does, which is to say that it automates the credit repair process, reducing hours down to minutes in making it happen. The software includes professionally designed templates to dispute credit items.

The company even offers the software to mortgage professionals, real estate agents, and financial professionals to make available to their clients to help them repair their own credit.

The company points out that improving your credit can help lower your bills and mortgage and auto payments, reduce interest rates, and help you to qualify for a home loan, better insurance rates, and avoid deposits on utilities.

How The Personal Credit Builder Works

The Personal Credit Builder can help you remove the following items from your credit reports:

  • Late payments
  • Collections
  • Charge-offs
  • Bankruptcies
  • Judgments
  • Tax liens
  • Repossessions
  • Inquiries
  • Identity theft
  • Fraud
  • Incorrect information
  • Foreclosures
  • Garnishments
  • Closed accounts
  • Negative settlements

That is a bold claim, and we like to add a caveat that no credit software or credit repair service can remove any of the above items if they are legitimately yours. But the software can help you to remove them or improve the rating if any contain any significant errors, or do not belong to you.

The Personal Credit Builder is a Windows-based software program, using a point-and-click navigation system. That makes it a very user-friendly software. It’s a comprehensive software with an integrated set of tools that will make it easy to use, even for someone who is not familiar with the credit repair process.

The software can help you to stop collection agencies from pursuing further action against you, including the phone calls they harass you with. The company claims it can help you boost your credit score up to 100 points in very little time.

The software is available for up to three individuals.

Customer service. Available 24/7 but only by the in-website email. Phone contact is not available. When you contact the company using email, you’ll be required to provide your name, email address, phone number, and comments describing your issue.

The Details of The Personal Credit Builder

The Personal Credit Builder has seven primary screens, each designed to help you with some aspect of the credit repair process.

Main Screen

This is where you will enter and maintain your personal information, including your name, address, phone numbers, Social Security number and date of birth. The information will be automatically merged into your dispute letters to creditors and credit bureaus.

Dispute Center

This is the primary screen in the software. It’s where you’ll enter all the negative credit entries from your credit report. Credit dispute reasons and letters will be selected automatically for fast credit repair. You can enter as many credit entries as you need to.

Templates Manager

This is the screen where the dispute letters are stored. You’ll also have the ability to modify letter templates, as well as store documents related to your credit repair efforts.

Amortization Center

This screen can be used to show loan scenarios, including projecting how long it will take you to pay off a debt.

Debts Reduction Analyzer

This screen will advise you on which credit cards to pay first. It can help you in your efforts to reduce your debt, which is another way to improve your credit score.

Personal Agenda

You can use this screen to alert you of due dates for credit repair responses, as well as the management of other personal affairs. This is important because timely follow-up is a critical factor in credit repair. You may need to keep the pressure on certain creditors, and this screen will help you do just that.

Budget Center

Enter your income and expenses, and set up a budget that will help prevent future credit problems.

The Personal Credit Builder Bonus Tools

When you sign up for The Personal Credit Builder you’ll receive five bonus gifts:

Credit Repair Strategies Revealed

The company claims this is the insider secret manual that allows you to repair your credit score, and enjoy your freedom to get approved on any loan.

How To Buy a Car With Little or No Credit

We have no idea what’s in this guide, but it will be of the obvious value of you’ve had difficulty obtaining financing for a car.

Credit Cards – The Lowdown

Covers critical credit card topics, such as increasing your credit limit, getting a credit card for your business, getting the right credit score, accepting credit card payments on your website, consolidating your credit card debt, getting out of debt, and protecting yourself against identity theft.

There’s also a section warning you to beware of payday loans.

101 Powerful Tips for Legally Improving Your Credit Score

There’s a lot to know about credit scores, that the average consumer is completely unaware of. As the saying goes “knowledge is power”, and this guide will show you the tips and tricks to enable you to legally improve your credit score.

101 Credit Repair Tips

Also known as 101 Ways to Decrease Your Debt and Increase Your Credit. Improving your credit score isn’t all about removing errors from your credit reports. It also includes sound financial strategies to help you pay your bills on time and gradually reduce the amount of debt you owe.

Think of it as offsetting bad credit with good credit. These tips will help you accomplish that.

The Personal Credit Builder Pricing and Fees

The software is available at a regular price of $400, but currently has a limited time offer of $199.97 (as of 12/24/20).

The purchase price is a one-time fee. Unlike credit repair services and some credit repair software, there are no recurring monthly charges.

How to Download The Personal Credit Software

You can order The Personal Credit Builder directly through the website.

When you click the BUY NOW button, you’ll be taken to PayPal Guest Checkout. You can pay with Discover, Visa, American Express, or MasterCard.

The following information will be requested:

  • Credit card number
  • Expiration date
  • CSC code from the back of your card
  • Your full name
  • Physical address
  • Phone number
  • Email address

The software is compatible with Microsoft Windows versions 7, 8 and 10.

The Personal Credit Builder Pros & Cons


  • The Personal Credit Builder is designed specifically to enable you to go the do-it-yourself credit repair route, saving you hundreds of dollars on credit repair services.
  • You’ll have everything you need to repair your own credit, including dispute letter templates (that will be automatically populated with your personal information and the relevant credit information), as well as information to help you learn both the credit repair process as well as your legal rights.
  • You will pay the cost of the software at $199.97, which will include the entire program. There are no recurring monthly fees.
  • The program includes tools and information that will help you to achieve good credit going forward. This is as important to the credit repair process as removing credit errors from your credit report.
  • The software can be used to provide credit repair for up to three people.


  • This is a do-it-yourself credit repair software program, not a credit repair service. They provide all the tools, but you’ll need to make the effort to achieve success. You may also be required to follow up with certain creditors by phone. You’ll need to be prepared for that.
  • Customer support is limited to email only. No phone support is available.
  • Unlike some credit repair software, The Personal Credit Builder does not offer a free trial subscription.
  • Also, unlike many credit repair software, The Personal Credit Builder does not offer a moneyback guarantee.
  • The service doesn’t come with phone support. Customer service is limited to email only.

Who The Personal Credit Builder will Work Best For

If you have poor credit, you’re certainly not alone. Millions of other people do as well. The critical step, however, is to do something about it. Many people do this by engaging the services of a credit repair service.

They can get the job done, and often with very little effort on your part. But credit repair services also cost money. At a minimum, you’ll be charged an ongoing monthly fee until the credit repair process is complete. Some credit repair companies will also charge you an upfront fee to begin the process.

If you want to repair your credit, and you don’t want to pay hundreds of dollars in fees, credit repair software is the next best option. Software like The Personal Credit Builder will help you make it happen, easily and in the shortest amount of time possible.

Even if you’ve never had any experience with credit repair in the past, The Personal Credit Builder’s easy to use the point-and-click system will guide you through the process effortlessly.

All you need to do is enter your personal information, and the credit entries you want to challenge, and the software will produce the challenge letters you need to open disputes with both your creditors and the major credit bureaus.

What we also like about this software is that it provides additional functions, particularly those aimed at helping you get good credit. If you have bad credit, you certainly need to remove any errors.

But adding good credit to your report can also be highly effective in improving your credit scores. That’s what The Personal Credit Builder does. It uses a holistic strategy to help you improve your credit.

We’re a bit concerned at the lack of a free trial offer, as well as a moneyback guarantee. You should be aware that the product does not offer either. But apart from those caveats, this looks to be an effective credit repair software.

If you’d like more information, or you’d like to order the software, check out The Personal Credit Builder website

The Personal Credit Builder