★ Nationwide · Dedicated agent · Money-back guarantee

Get approved for the mortgage. Refinance the car. Fund the business.

A dedicated agent who actually picks up the phone. Custom disputes, never templates. Real deletions or every dollar back.

548 +0

Average Score Day 1

Enrollment complete. Your dedicated agent is pulling all three bureau reports.

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Why most negative items legally have to come off

We delete

You've been lied to because your credit score isn't just a number, it's the gatekeeper between you and every major financial decision in your life.

The banks use it to decide whether you get the house. The dealerships use it to decide whether you get the car at 5% or 22%. Landlords, insurers, business lenders, they're all looking at the same three digits.

And here's what they'll never tell you: under federal law, every negative item on your report must be verified. When the bureaus can't verify it, and they usually can't, it has to come off. That's not a loophole. That's the law.

We just happen to know exactly how to make them do it.

Why we exist

I lost my first house over a collection that wasn’t even mine.

At 26 I had a steady job, money saved, and a home picked out. The bank still said no. When I finally pulled my own report, I found a $1,900 collection from someone I’d never heard of — plus two “late payments” the bank later admitted it never actually verified.

That’s when I learned the thing the bureaus hope you never do: under federal law every negative item has to be verified, and when it can’t be, it has to come off. Template “dispute mills” fail because the bureaus auto-reject generic letters — a custom, item-by-item challenge forces a real answer.

I spent two years learning to do it right — cleaned up my own report, then my mom’s, then friends’. The approvals started coming. So I built Preferred Credit Repair on one rule: every dispute is custom, and every client gets a real human agent, not a call center. That’s why each agent only takes a handful of clients at a time.

— Andre, Founder & lead dispute agent

The difference between struggling and thriving in 2026 comes down to ONE thing…

Let's be honest. Most people let banks control their financial future. They get denied. They pay insane interest rates. They watch other people get approved for the exact same things.

It's not about how much you make. It's about what your credit report says about you.

What if you could…

Get approved for mortgages, auto loans, and business credit , even if you've been rejected before
Wipe out collections, late payments, and charge-offs that don't actually belong to you
Drop your interest rates by 8-15 points and save thousands every year
Stop paying the bad-credit tax on insurance, rent, and every financed purchase

Before

542

→

After 120 days

701

Average Client Improvement +127 POINTS

Negative items removed7 of 9

Rounds of disputes3

Time invested by client~0 hours

Typical investment$47 + $100/mo

This is what it looks like when you stop playing by their rules.

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The Preferred Promise

If it doesn't work, you don't pay.

We're the only credit repair company we know of that offers both a full money-back guarantee AND continued work until it's done. You read that right.

Days 30 120

If you haven't seen a single deletion or update across four rounds of disputes, we refund every dollar you've paid us. No forms. No fight. You email us, we wire it back.

After Day 120

If there's still a specific item you want gone, we keep disputing it, either free of charge or at a significantly discounted rate until it's removed. Most companies cut you loose. We don't.

Everything you get for $47 today

A full credit team in your corner, for less than a tank of gas.

All-3-bureau report pull & full analysis within 24 hours$149
A dedicated US-based agent who calls, texts & emails you back$300/mo
Custom, item-by-item dispute letters sent every 30 days$200/mo
Live portal to watch every deletion happen in real time$49
Money-back guarantee + we keep working until it’s donePriceless

Real value~~$698+~~Today $47

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Real Clients. Real Results.

Hear from some of our recent client success stories

These aren't testimonials we bought. These are real people whose lives looked a certain way 120 days ago, and look very different now.

Marcus T.

Atlanta, GA

542

Before

→

701

After

Denied three times for a mortgage. Now a homeowner.

When Marcus came to us, he'd been rejected by three different lenders in eighteen months. Seven collections on his report, most of them from a hospital billing error he'd been fighting alone for two years.

His agent pulled all three bureau reports in the first 48 hours and filed the first round of disputes that week. By day 35, five of the seven collections were gone. By round three, he was sitting at 701.

"I'd given up. I thought this was just my life now. Six months after I started with Preferred, we closed on the house."

Jasmine R.

Houston, TX

580

Before

→

724

After

From denied food truck loan to financing her second location.

Jasmine had the business plan, the location, and a line outside her pop-up every weekend. What she didn't have was the credit to get a truck loan.

Her agent got to work on three collections and a charge-off from an old credit card. Within 90 days she'd hit 724, high enough to get approved at prime rates. She's now financing the second truck.

"I thought this was a 2-year problem. Preferred fixed it in 90 days. I'm not exaggerating, my life is different because of this."

David & Angela K.

Phoenix, AZ

598

Before

→

742

After

Cut their car payment by $340 and qualified for a house.

David and Angela weren't in a crisis, they were in the slow leak that drains most middle-class families. Subprime car loan at 19.8%. Apartment rent going up every year. A dream of buying a house they kept pushing off.

Three rounds of disputes cleared up an ancient medical collection, two late payments, and a credit card charge-off Angela didn't even know was still on her file. They refinanced the car in month two and got pre-approved for a mortgage in month four.

"We saved $340/month on the car alone. The house is happening next spring. Best $400 we've ever spent."

More verified results

Don’t take our word for it. Take theirs.

Marcus "Tre" Williams III

Brooklyn, NY

484 → 672 in 4 months

★★★★★

Brother my credit was in the GUTTER. I'm talking 484. I'd given up. I figured I was just gonna be a cash-only person forever. My girl made me sign up for Preferred almost as a joke, like 'what's it to try?' Four months later I'm at 672. Bought our first apartment. Engaged. Got my whole life back. If you're reading this and your score is low — just try. Just try.

Patricia O'Brien

Boston, MA

612 → 778 in 5 months

★★★★★

I came to Preferred after my husband passed. The medical bills from his last six months were absolutely destroying my credit. Eight collections, all from different hospitals. They were patient, kind, and didn't make me feel stupid for not understanding any of this. By month five, every single one was gone. I'm crying as I write this honestly.

Stephanie Lin

San Francisco, CA

658 → 781 in 90 days

★★★★★

I work in fintech, so I'm naturally skeptical of credit repair as an industry — most of it is theater, IMO. But the results don't lie. They removed three valid-looking but technically unverifiable accounts using procedural challenges I wouldn't have known to file. Score jumped 123 points. Got approved for a HELOC for my second business at prime + 1.

Tamika F.

St. Louis, MO

526 → 698 in 4 months

★★★★★

I tried another credit repair service for 11 months. Eleven. Months. Paid them like $1,200 total and saw maybe 12 points of improvement. Switched to Preferred and got 172 points in 4 months. I don't know what the other company was doing all that time but Preferred actually does the work.

Tasha Williams

Charlotte, NC

612 → 743 in 75 days

★★★★★

Y'ALL. I cried when I saw my score this morning. I been crying. My mama called me crying. I qualify for the down payment assistance program in my county for first-time homebuyers because I'm over 720 now. PREFERRED CREDIT REPAIR PUT THE BAG IN MY HAND.

Terrence W.

Detroit, MI

+83 points in 60 days

★★★★★

Had a repo from 2019 that was hauntin me forever. Three different attorneys told me there was nothing they could do. Preferred had it gone in two rounds. I don't know what kinda magic they doin but it works.

Linda Carmichael

Sarasota, FL

644 → 791 in 4 months

★★★★★

I'm 62 years old and I've never been good with this stuff. My grandson Tyler signed me up because he was worried I was getting taken advantage of by some other company I'd hired. Best decision he ever made. The team explained everything to me like I was a person, not a number. My score is now higher than it's been in 30 years.

Frank "Frankie" Sullivan

Boston, MA

555 → 689 in 4 months

★★★★★

I'm a bartender. I'm 51. I owed people money for a decade and a half because of my drinking. Got sober five years ago. Started saving. But my credit didn't reflect any of that change. Preferred got the old stuff cleared off so I can finally — finally — buy a small place of my own. They didn't judge me. They just did the work.

Brittany K.

Minneapolis, MN

583 → 715 in 100 days

★★★★★

Identity theft from 2022 had wrecked my credit and the police report didn't do squat. Preferred filed everything through the proper FCRA channels and got the fraudulent accounts removed in 60 days. Then they kept working on the legit-but-negative items for another month. I have my financial life back.

DeShawn M.

Memphis, TN

521 → 689 in 96 days

★★★★★

yo this actually works. had like 11 negative items, most was old stuff i forgot about. they got 8 of them removed. score jumped almost 170 points. just signed a lease on a 2024 BMW i couldn't even DREAM of last year. shoutout to my agent Keisha

Maria González

Albuquerque, NM

+112 points in 110 days

★★★★★

Mi crédito estaba muy mal después de un divorcio difícil. La agente que me asignaron habla español y me explicó todo el proceso con paciencia. Ahora puedo refinanciar mi casa. Gracias Preferred.

Rachel Goldberg

Long Island, NY

715 → 824 in 2 months

★★★★★

Mine started in the 700s but I needed it higher for a refi. Preferred specializes in even the 'small' jumps from good to excellent, which I didn't realize was a thing. Two old hard inquiries gone, one late from 2021 removed. 109 points in 60 days. Refinanced my mortgage and saved $812/month.

Chris N.

Seattle, WA

671 → 803 in 78 days

★★★★★

Senior software engineer, decent income, but my credit was wrecked from a divorce settlement that put a bunch of joint debt entirely on my report. I'm a DIY type — tried disputing myself, got nowhere for 8 months. Hired Preferred out of frustration. They had everything resolved in under 3 months. Sometimes paying for expertise is just the right move.

Devonte W.

Baltimore, MD

498 → 671 in 115 days

★★★★★

My dude. I been to court twice over old debts. I had paid them off through settlements but they were STILL on my report as charge-offs years later. Preferred got both of them removed in like 60 days. The legal system couldn't help me but a credit repair company could. Wild.

Aaliyah J.

Newark, NJ

588 → 685 in 65 days

★★★★★

I'm a nursing student. My financial aid covered school but I needed a car to get to clinical rotations. With my old score nobody would approve me without a co-signer and my family doesn't have great credit either. Preferred got me from 588 to 685 in two months. Bought a 2021 Civic on my own. I drive to my nursing job in MY car now.

Verified client reviews. Individual results vary; deletions and score changes are never guaranteed.

Your story could be the next one on this page.

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Our Super Simple 3-Step Process

No calls. No sales pitch. Just results.

Sign Up for $47

You enroll in about 90 seconds. We pull your full 3-bureau report within 24 hours and assign you a dedicated personal agent, the same person every call, every time. No call centers. No "new rep every month."

We Dispute Everything

Your agent identifies every disputable item and fires off custom dispute letters (never templates) every 30 days. You track it live in your portal. Most clients see their first deletions within the first round.

You Get Approved

30 to 120 days in, the negative items start disappearing and your score climbs. You use your new credit to get the house, the car, the business funding, whatever you came here for.

The Real Cost Of Bad Credit

Here's what better credit is worth.

Every month you stay at your current score, you're paying the bad-credit tax on every loan, lease, and line of credit. Here's what a 150-point increase could save you.

Auto Loan 60-month term

$30,000 Loan Amount

Your Interest Rate

22.0%

15%

27%

Monthly Payment

$828

You'd Save

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Who This Is For

If your credit is the one thing standing between you and what's next…

…you're exactly who we built this for. It doesn't matter what you do for a living. What matters is that you're ready to stop being punished for a past that doesn't reflect who you are today.

Future Homeowners

Car Buyers

Business Owners

Entrepreneurs

Freelancers

New Parents

Recent Grads

Single Parents

Divorcees

Gig Workers

Contractors

9-to-5 Professionals

Veterans

Medical Debt Victims

Identity Theft Survivors

Anyone Ready

If you see yourself here, you're in the right place.

What We Specialize In

We don't just "repair" credit. We rebuild your financial future.

Here's exactly what happens when you work with us:

🚀

Raise Your Score FastAverage client gains 127 points in their first 120 days.

Delete Negative ItemsCollections, late payments, charge-offs, repossessions, and bankruptcies, gone.

🏠

Qualify for MortgagesGet your score mortgage-ready. We work with loan officers nationwide.

🚗

Drop Auto Loan RatesRefinance at prime rates and save thousands over the life of the loan.

💼

Unlock Business FundingGet approved for credit lines, SBA loans, and startup capital.

📈

Build Positive CreditWe don't just remove, we show you exactly how to add the right tradelines.

📞

Direct Agent AccessPhone, text, and email your personal agent during business hours. Always.

🛡

Money-Back GuaranteeNo deletions in 30-120 days? Full refund. No questions, no forms, no fight.

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Take Back Control

The next 120 days are going to pass anyway.

You can spend them where you are right now, denied, stuck, paying the bad-credit tax on everything. Or you can spend them with a dedicated agent, watching the items come off one by one. Your call.

See What We Can Remove →

Free 60-second quiz · No credit card needed · See your custom plan