A dedicated agent who actually picks up the phone. Custom credit disputes, never templates. It starts with a free call with our team.
Free call · No credit card needed · No obligation
Results vary.
One bad stretch can follow you for years and quietly cost you tens of thousands of dollars in higher rates and flat-out denials.
That's the bad-credit tax: paying more for the same thing, or being told no. It isn't a verdict on you. It's a number on a report — and numbers on reports have rules.
Here's what the bureaus don't advertise: every negative item on your report must be accurate, verifiable, and proven within 30 days of a proper dispute. If it can't be verified to the letter, it has to come off.
The debt has to be yours, the date has to be right, and the balance has to be correct.
The bureau has to show its work: the method it used to verify the item, and the source of that verification.
Of a proper dispute. The bureaus have 30 days by federal law to investigate and respond.
Most negative items can't survive that standard. The bureaus are legally required to remove what they can't verify — and a custom, item-by-item challenge forces a real answer where a generic template gets auto-rejected.
What's accurate, verifiable and current stays. Anyone who guarantees removal of any item, including accurate ones, is someone to walk away from.
What that standard looks like on real reports — in our clients' own words.
30 verified client reviews
every one of them is on this page
30
verified reviews
+138
avg. point gain*
484
lowest starting score
*Average across the 27 of 30 reviews that list a before and after score.
Marcus T.
Atlanta, GA
“Bro I'm not gonna lie, I thought this was gonna be another scam. I'd already paid two companies before y'all and got nothing. But Preferred actually deleted four collections in the first round. FOUR. I was speechless. Now I just closed on my first house. My agent Marcus deserves a raise.”
Jasmine R.
Houston, TX
“I'm a single mom of three working two jobs, so I didn't have time to deal with credit bureaus myself. I needed someone to handle it. My agent took care of everything. I just had to upload my reports. Got my score above 720 and qualified for a 2023 Toyota Highlander at 6.1% instead of 14%. That's my whole grocery budget back every month.”
David & Angela K.
Phoenix, AZ
“We were getting ready to buy our first home together but our middle scores were killing our rate. Preferred worked on both of our reports simultaneously and got us mortgage ready in 4 months. We saved an estimated $147,000 over the life of our loan based on the rate we got vs. what we were originally quoted. Worth every penny.”
More verified reviews
Detroit, MI
“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.”
Boston, MA
“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.”
Memphis, TN
“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”
Sarasota, FL
“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.”
Seattle, WA
“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.”
Albuquerque, NM
“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.”
Cleveland, OH
“Wasn't sure if 489 was even fixable. Some places told me I needed to wait 7 years. Preferred got me to the high 600s in about four months. I'm not buying a yacht or anything but I got approved for a regular credit card with no security deposit for the first time in my adult life. That's a win.”
San Francisco, CA
“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.”
Birmingham, AL
“Look I ain't gonna sit here and pretend I'm some financial expert. I was just tired of being told no. Tired of putting deposits down on apartments I shouldn't have to. Tired of being judged. These folks treated me like a human being and got the job done. That's all I needed.”
Long Island, NY
“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.”
Brattleboro, VT
“Small town, small income, big medical debt after a tractor accident. Two hospitals had sent me to collections without ever properly billing my insurance. Preferred caught the documentation errors and got both removed. I farm. I don't have time for this kind of paperwork. They handled it.”
Charlotte, NC
“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.”
Staten Island, NY
“Honest review — first month I was annoyed because I didn't see changes yet. They told me to be patient because the bureaus take 30-45 days to respond. They were right. Month 2 things started moving, month 3 was a flood of deletions. Patience pays.”
Minneapolis, MN
“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.”
Los Angeles, CA
“My credit was tanked from when I was younger and dumb with cards. I'm 34 now and trying to start a small construction business. Needed business credit. They got my personal score up so I could qualify for a SBA-backed line. Already used it to buy a second truck.”
Boise, ID
“I'm a piano teacher. My income is irregular at best. I didn't think I could afford credit repair until I saw the low trial price. By month 5 my score was high enough to consolidate three high-interest cards into one personal loan at less than half the rate. The monthly savings is more than I ever paid Preferred. Math checks out.”
Baltimore, MD
“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.”
Honolulu, HI
“My husband and I moved here for his military assignment and we wanted to buy on Oahu (you know what those prices look like). Needed to clean up some inquiries and one old medical from 2020. Preferred handled it within 3 months. We close on our home next month. Thank you to my agent Janelle.”
Boston, MA
“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.”
Newark, NJ
“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.”
Omaha, NE
“Midwest farmer here. Skeptical of basically everything by default. My daughter convinced me to try this when I told her I was getting denied for the equipment loan I needed. Four months in and I'm at 752. Got approved for the loan, bought the implement, harvest is paying for itself. Good outfit, no nonsense.”
Las Vegas, NV
“Cocktail server, single mom, recovering from a really bad year. I've been clean for 18 months. Preferred didn't care about my past. They focused on what they could fix and got me from 578 to 717. I'm putting down roots here finally. Apartment, no co-signer, no security deposit higher than first month's rent.”
Brooklyn, NY
“In Russia I had no credit history because we don't have such system there. Came to America 8 years ago, made some mistakes early — store credit cards, big purchases I couldn't pay. Preferred helped me clean up the old marks so I can buy our family's first house in this country.”
St. Louis, MO
“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.”
McAllen, TX
“Soy contratista — independent contractor. Mi crédito había sido mal por errores de cuando yo era más joven. Necesitaba 720 para calificar por un préstamo SBA para expandir mi negocio. Preferred lo logró en exactamente 110 días. Ahora tengo 8 empleados en mi compañía. Gracias.”
Lexington, KY
“I'd like to formally apologize to my friend Lacey for giving her a hard time when she recommended Preferred to me six months ago. I thought she was falling for some kind of scheme. She was right. I was wrong. My score is now better than hers (sorry Lacey) and I got the horse property we've been eyeing for two years.”
Brooklyn, NY
“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.”
Verified client reviews. Individual results vary; deletions and score changes are never guaranteed.
No magic. No tricks. Just the federal dispute process, done right, with a dedicated agent who actually knows what they're doing.
Enroll and your dedicated agent has your reports within 24 hours. Same person, every call, every time.
Within 24 hours your dedicated agent pulls your full reports from Equifax, Experian, and TransUnion and identifies every disputable item: collections, late payments, charge-offs, repossessions, judgments, hard inquiries you didn't authorize, and obvious bureau errors.
Your agent drafts custom letters, never templates, citing FCRA §611, and mails them certified to each bureau the same week. The bureaus have 30 days by federal law to investigate and respond.
Items the bureaus claim to have “verified” get a follow-up demand: show your work. Under FCRA, the bureau must disclose how the item was verified and by whom. Most can't, and items that can't survive the challenge come off.
For surviving items, we go after the data furnisher directly with debt-validation letters under FDCPA §809. If a collection agency can't produce the original signed contract or a chain of assignment proving they own the debt, the item must be removed.
Your dedicated agent handles every letter, every follow-up, and every escalation. You can text or call them directly during business hours. Individual results vary.
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.
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.
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.
One discounted first month so you can see how we work. Then a flat monthly rate for as long as you stay.
No credit card is needed to book. The $47 only ever happens if you choose to enroll after the call — and cancel anytime still applies.
$47 is the only first-month charge. Then $100 every 30 days.
Cancel from your portal or by contacting your dedicated agent at any time.
You’re paid through the end of your current 30-day cycle and your card will not be charged again.
Until their score is mortgage-ready, then cancel. There’s no reason to keep paying.
Nothing is charged unless you choose to enroll
The questions our dispute team actually hears every day, including the uncomfortable ones.
Yes. The call is free, there's no credit card and no obligation. Nothing is charged unless you decide to enroll.
Still have a question?
Ask our team on your free call →You can spend them where you are right now. Or you can spend them with a dedicated agent, watching the items come off one by one. Your call.
Free call · No credit card needed · No obligation
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