Pricing

Honest pricing. No surprises.

Name: Preferred Credit Repair, Monthly Service
Brand: Preferred Credit Repair
Price: 47.00 USD
Availability: InStock

One discounted first month so you can see how we work. Then a flat monthly rate for as long as you stay. Cancel any month from your portal, no contract, no cancellation fee.

What's included

Dedicated personal agent The same agent every call, every text, every email. Not a call center, not a different rep each month.

3-bureau report pull within 24 hours Equifax, Experian, and TransUnion, your agent reviews all three and identifies every disputable item.

Custom dispute letters every 30 days Hand-drafted letters citing specific federal credit-reporting law (FCRA §611, FDCPA §809). Never templates.

Up to 4 rounds of escalating disputes Method-of-verification challenges, debt validation, and creditor escalation across 120 days.

Live tracking portal See deletions land in real time, plus a copy of every letter we mail on your behalf.

Direct agent access Phone, text, and email your agent during business hours (8am-6pm EST, Mon-Fri).

Money-back guarantee No deletions across 4 rounds (days 30-120)? Full refund. No forms. No fight.

How does this compare?

Most credit repair companies charge a "first work fee" of $99-$199 plus $89-$149/month, with a 6-month minimum. Many won't refund anything regardless of results. Here's how Preferred Credit Repair compares to the alternatives:

	Preferred	Typical Competitor	DIY
First month	$47	$99-$199 setup	Free
Monthly	$100	$89-$149	Free (your time)
Dedicated agent	Yes	Call center	,
Custom letters (not templates)	Yes	Templates	Up to you
Money-back guarantee	Yes	Rare	,
Cancel anytime	Yes	6-mo minimum	,
Time investment	~0 hours	~0 hours	20-40 hours

FAQ on pricing

What happens if I cancel mid-month?

You're paid through the end of your current month and your agent keeps working until the cycle ends. No proration is needed because we don't charge for partial periods. Your card will not be charged again.

Are there setup fees, hidden charges, or processing fees?

No. $47 is the only first-month charge. Then $100 every 30 days. The card on file is billed on the same day each month. You'll see the exact charge schedule on your enrollment receipt and inside your portal.

What does "money-back guarantee" actually mean?

If across the four rounds of disputes (days 30-120) you don't see a single deletion or update on any of your three bureau reports, every dollar you've paid us is refunded. The full guarantee terms are spelled out in your enrollment agreement.

Why $100/month, what makes that worth it?

It pays for your dedicated agent's time on your file every month: drafting custom letters (not templates), mailing them certified, tracking responses, escalating items the bureaus refuse to remove, and updating your portal. Most clients get 5-9 deletions across 120 days. If your score climbs 100+ points and you save 5-15 points of interest on your next mortgage or auto loan, the math works out to thousands in savings versus the few hundred dollars in service fees.

How long do most clients stay?

3 to 4 months. Once your dedicated agent has cleaned up the items they can remove, there's no reason to keep paying, most clients cancel and use the next 60-90 days to add positive trade lines and apply for the loan they came here for.

Still have questions?

Read the full FAQ for answers on results, what we can and can't dispute, timelines, and what happens after enrollment. Or jump straight to enrollment if you've seen enough.