Why Pay Hundreds to Fix Your Credit… When You Can Do It Better for Free?
The shocking truth: Most people waste thousands of dollar on credit repair companies that use the same tools you now have at your fingertips for FREE—powered by advanced AI and available for free.
Why Pay Hundreds to Fix Your Credit… When You Can Do It Better for Free?
The shocking truth: Most people waste thousands of dollars on credit repair companies that use the same tools you now have at your fingertips for FREE—powered by advanced AI and available for free.
Tired of Bad Credit Holding You Back?
You’re not alone. Poor credit is blocking millions from:
Home ownership
Auto loans
Business funding
Even job opportunities
And those “credit repair services”? They charge hundreds each month, yet still make you pay for a credit monitoring Provider on top of everything.
There’s finally a smarter way.
Ready to clean Your Credit Yourself—in Just Minutes?
Here’s How Gifted Credit Solves the Problem for Good
All-In-One AI Credit Cleaning Software—”FREE”
Built with data from millions of disputes
Instantly spots negative items on your credit reports
Generates intelligent, effective dispute letters in seconds
You simply print, mail, and track - no middlemen, no confusion
Seamless integration with (Top-Tier Credit Monitoring Provider)
Secured data & protected in compliance with applicable laws.
Includes
$1M Identity Theft Insurance
Money Manager
Unlimited updates
Real People, Real Results
James Harper
★★★★★
"Gifted Credit made fixing my credit easier than I ever imagined. The AI quickly identified negative items and helped me generate dispute letters in minutes. My score started improving within weeks—completely free!"
Brian Thompson
★★★★★
"I’ve spent so much money on credit repair companies with no results, but Gifted Credit actually works. The step-by-step system is easy to follow, even if you’re new to credit. I finally feel hopeful about my financial future."
Eric Morales
★★★★★
"Using Gifted Credit was like having a personal credit expert in my pocket. I removed multiple collections and late payments by following their simple process. I’ve gained 70 points in just over a month!"
Marcus Daniels
★★★★★
"This tool is a total game-changer. It’s fast, free, and incredibly easy to use, even for someone who’s never disputed anything before. I now recommend it to everyone I know."
Steven Kim
★★★★★
"Gifted Credit helped me take control of my credit without paying a dime. The coaching videos and dispute templates were exactly what I needed. I’m finally on track to buy a home."
David Lawson
★★★★★
"I didn’t think free credit repair could be this effective. The AI did all the hard work for me and made it simple to clean up my reports. I wish I had found this sooner!"
All-in-One Plan
Get Access to the Entire Credit Cleaning System for FREE
What You Get:
Lifetime Access to Our AI-Powered DIY Credit Repair Software
Monthly 3 Bureau Credit Reporting
24/7 Unlimited Credit Cleaning Tracking & History
$1M Identity Theft Insurance (Via Top-Tier Credit Monitoring Provider)
Free Credit Coaching Video Library (10+ Lessons)
Free Dispute Letter Templates (Credit Bureau, Collections, Identity Theft & More)
Money Manager Tool (Via Top-Tier Credit Monitoring Provider)
Unlimited Single Bureau Score Updates
Who We Are & Why This Matters
We’re a passionate team of credit experts and tech entrepreneurs—fed up with overpriced, outdated credit repair models.
Gifted Credit was built to level the playing field by giving every person access to smart, effective, DIY credit tools—powered by AI and backed by real-world results.
Here’s How It Works (Takes Just Minutes)
Sign Up & Link Your Credit Monitoring
AI Reviews & Suggests What to Dispute
Click to Generate Letters — Then Print & Mail
It’s automated, fast, and designed so anyone can do it.
Here’s How It Works (Takes Just Minutes)
Sign Up & Link Your Credit Monitoring
AI Reviews & Suggests How to Dispute
Click to Generate Letters — Then Print & Mail
It’s automated, fast, and designed so anyone can do it.
Let’s Get Started Today!
Get the same results professionals promise—without the price tag.
Gifted Credit: FAQs
What “DIY” means.
DIY (Do It Yourself)
How does the software work?
Gifted Credit is a DIY Advanced AI Credit Repair software that guides you through the entire credit repair process.
It automatically imports and scans your 3 bureau credit report, finds your negative accounts, looks for twenty different kinds of errors, then creates your dispute letters.
It performs the same function as a full-service credit repair company; only you print and mail the dispute letters yourself (which is most effective). Gifted Credit will automatically import and scan your new credit report every 40 days to provide the results and guide you through the next dispute letters until your credit repair is finished.
Gifted Credit is free software; you only pay for a compatible 3 bureau credit monitoring account.
How long does it take to repair my credit?
Everyone’s credit is different. There are instances where accounts may be repaired or deleted with your first dispute letter. Other accounts might take several rounds of dispute letters to determine if an account can be deleted, so stay the course and let the software guide you through the process.
Can Gifted Credit remove late payments, inquiries, collections, etc.?
Any account can be repaired or deleted from your credit report. When Gifted Credit imports and scans your credit report, it finds all of your negative accounts, looks for twenty different kinds of errors, and then guides you through the simple steps to create disputes. You can dispute any accounts you want.
What if I need support or guidance after signing up?
Gifted Credit has multiple tutorial videos to guide you on using every part of our user-friendly software. You may also call or email our expert support team that’s always happy to help.
How much does Gifted Credit cost?
Your Gifted Credit account is Free. You only pay for a compatible 3 bureau credit monitoring account ($49.95) that connects with our software; so our AI can easily create your disputes and track your results for all your negative accounts.
Are physical letters better than disputing accounts online?
Online disputes can be effective but have some drawbacks. There’s no paper trail if you need to escalate your dispute. Physical dispute letters are still the preferred method for sending the most effective disputes.
Why can’t I use Credit Karma or other free credit reports?
Gifted Credit requires a complete 3 bureau credit report so you can dispute accounts and track your results with all 3 credit bureaus all at once in one online account. Credit Karma and other free credit reports only offer one or two credit reports, and they don’t export their credit data in the compatible format Gifted Credit's software requires.
How do I cancel my credit monitoring service?
You may cancel your credit monitoring service online at anytime by logging into your credit monitoring account and choosing the option to cancel, which can be found in the account details section of your credit monitoring account.
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