Limited enrollment · Each agent handles only 12 new clients per month
Start for $47 →
★ Nationwide · Results in 30 days or your money back

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

In 30 days. Not 18 months. Or every dollar back. Dedicated personal agent. Custom disputes. Real deletions — or you don't pay us.

548 +0
Average Score Day 1
Enrollment complete. Your dedicated agent is pulling all three bureau reports.
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Only 12 Spots Per Agent This Month
The Biggest Secret That BANKS Don't Want You To Know

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.

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
Total cost$247

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

Start My Journey For $47 →
Only 12 Spots Per Agent This Month
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.

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.

MT
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."

JR
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."

DK
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."

Your story could be the next one on this page.

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Only 12 Spots Per Agent This Month
Our Super Simple 3-Step Process

No calls. No sales pitch. Just results.

1

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."

2

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.

3

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%
3%
15%
27%
Monthly Payment
$828
You'd Save
$0
Based on average client score increase of 127 points
Start Saving Today For $47 →
Only 12 Spots Per Agent This Month
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.
Lock In My Spot For $47 →
Only 12 Spots Per Agent This Month
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.

Yes, Start My $47 Trial →
Only 12 Spots Per Agent — Filling Up This Month
Preferred Credit Repair is a credit repair organization as defined under the Credit Repair Organizations Act (CROA). Results vary based on individual credit history and circumstances. We do not guarantee specific credit score outcomes. You have the right to dispute inaccurate information on your credit report yourself, at no cost, by contacting the credit bureaus directly. A copy of your consumer file disclosure and written agreement will be provided prior to any services being performed.
© Preferred Credit Repair · Serving all 50 states · CROA-compliant
JM
Jessica M. just deleted a $2,400 collection
Tampa, FL · 3 min ago