Erase Negative Marks. Raise Your Score. Take Back Control Today
Only pay for a 3 credit bureau subscription and postage for your dispute letters.
Gifted Credit links with your existing or new Smart Credit 3 bureau credit report. Connect your existing account or create a new one. It only takes a few seconds.
Don’t have an account? Select one from below. No contract. Cancel anytime.
Plans & Pricing
SmartCredit® PREMIUM
$49.95
Unlimited Gifted Credit Disputes
Monthly 3 Bureau Reports & Scores
Identity Theft Insurance ($1M)
Credit Monitoring & Alerts
Gifted Credit links with your existing or new Smart Credit 3 bureau credit report. Connect your existing account or create a new one. It only takes a few seconds.
Out with the old…in with Gifted Credit
Big credit repair companies are better at deleting dollars from your pocket than negative accounts from your credit report. That’s why we created Gifted Credit.
Price Table
Lexington Law
creditrepair.com
Price Table
Cost
Free w/3 bureau subscription
$89 - $129 per month
$99 per month
Disputes per month
Unlimited
2 - 3
2 - 3
Lexington Law
Disputes May Be Ignored
No
yes
yes
creditrepair.com
Video Credit Coaching
Yes
no
no
Gifted Credit saves you time and money by offering a better credit repair solution.
Your future looks better already — take the first step today.
© 2025 Gifted Credit. All rights reserved.
Out with the old…in with Gifted Credit
Big credit repair companies are better at deleting dollars from your pocket than negative accounts from your credit report. That’s why we created Gifted Credit.
Price Table
Cost-
Free w/3 bureau subscription
Disputes per month-
Unlimited
Disputes May Be Ignored-
no
Video Credit Coaching-
yes
Lexington Law
Cost-
$89 - $129 per month
Disputes per month-
2-3
Disputes May Be Ignored-
yes
Video Credit Coaching-
no
creditrepair.com
Cost-
$99 per month
Disputes per month-
2-3
Disputes May Be Ignored
yes
Video Credit Coaching
no
Gifted Credit saves you time and money by offering a better credit repair solution.