Perfect Harmony takes a holistic approach to credit repair and restoration. We review all the factors of your credit, including potential errors and misinformation, areas of your profile that could use improvement, and ways of helping you understand and plan for your financial future. We aim to provide everything you need to bring your life goals and the credit you need to achieve them into Perfect Harmony.
How Our Services Work
Step 1 - Schedule Consultation Call
The first step in achieving better credit is to schedule an initial consultation with our team of friendly and experienced credit experts. During this consultation, we will take the time to listen to your unique circumstances, answer any questions you may have, and show you how our services can help you achieve your credit goals.
Step 2 - Sign up for Credit Monitoring
At our credit repair and restoration service, we understand that staying on top of your credit is key to achieving your financial goals. That’s why we require all of our clients to sign up for our credit monitoring service, which allows us to have regular access to your most up-to-date credit report and monitor any changes that may impact your credit score.
Step 3 - Credit Analysis/ Audit
Our team of credit experts will conduct a thorough analysis of your credit reports to identify any potential inaccuracies that may be harming your credit.
During this credit analysis, we will examine every detail of your credit reports, including your payment history, outstanding debts, credit utilization, and more. Our goal is to identify any errors or discrepancies that may be negatively impacting your credit score and develop a customized plan to address them.
Step 4 - Federal Regulation-Based Credit Dispute Process
We understand that inaccuracies on your credit report can have a significant impact on your financial future. That’s why we leverage the federal consumer protection regulations to customize disputes and remove unverifiable items from your credit reports.
Our credit experts are well-versed in the Fair Credit Reporting Act (FCRA) and other federal regulations that govern the credit reporting industry. We use this knowledge to develop customized disputes tailored to your specific credit issues, ensuring that we are targeting the right items on your credit reports.
Step 5 - Establishing New Credit
Our team of credit experts will work with you to identify the best options for establishing new credit, such as secured credit cards, credit builder loans, or other types of credit accounts. We will provide you with the guidance and support you need to make informed decisions and take the necessary steps to improve your credit score.
Find the perfect services for your situation
Bronze
Pay per Delete
Cost per bureau
We will send you monthly invoices to you for the successful removal of accounts from your credit report. If we are too successful in a month we can set up a payment plan for the invoice.
• $297 – Enrollment/ Audit Fee
• $20 – Inquiries
• $20 – Late Payments
• $50 – Collections / Charge-offs
• $125 – Auto Repossessions / Default
• $150 – Foreclosure / Short Sale / Mortgage
• $175 – Bankruptcy
• *Payment Due within 7 Days of Deletion
• *Credit Monitoring Required
Silver
$125 /Month
• Customer Support
• Weekly Group Coaching
• Unlimited Access to Award Winning Financial Courses
• Yearly Credit Review
• Yearly Financial Review by a Licensed Professional Including Taxes, Insurance, and Retirement
• 100% Tax-Deductible
Gold
$189 /Month
• Lifetime Unlimited Repair – Includes Annual Inquiry Removal
• Weekly Group Coaching
• Unlimited Access to Award Winning Financial Courses
• Yearly Credit Review
• Yearly Financial Review by a Licensed Professional Including Taxes, Insurance, and Retirement
• Customer Support
• Discount for Spouse/ Partner when you sign up together
• Guarantee* Full refund if nothing is removed or repaired within 12 months.
Platinum
$279 /Month
• Platinum University members will receive unlimited VIP White-Glove Credit Repair
• ALL University courses on Credit, Tax, Wealth, and Business Credit
• 100% Tax-deductible
Bring Your Credit and Financial Future in Perfect Harmony Now
Perfect Harmony will dig deep into the details of your credit, challenge any negative items that are potentially in error, and equip you with the credit knowledge you need to achieve your financial dreams.
Contact Perfect Harmony now to speak to our credit experts and find out how we can help you today.
Frequently Asked Questions
Have you been turned down for a home or auto loan? Was your job or apartment application rejected due to your bad credit? Or maybe you’re looking for a new level of financial freedom.
No matter your problems or goals, good credit and a proper understanding of personal finance are essential.
Perfect Harmony can help. We work to eliminate inaccuracies and unverifiable information from your credit history, and equip you to take full advantage of your new start.
While we strive to keep our rates fair and reasonable, credit repair is not free. Neither is credit monitoring, which you must be able to maintain.
Furthermore, if you have active collections or open charge offs, we may be able to help you settle them, but that is only possible if you can afford to pay the settlements. Even if we are able to remove an erroneously reported charge off or collection from your credit reports, it will come back if left unpaid or unsettled.
If you are unable to pay your current bills, reputable, non-profit financial counselling may be a better alternative for you. But anyone with a steady income who meets the criteria above may be able to benefit greatly from our credit repair services.
Every person is different, and so is their credit history. That means the amount of time it can take to remove unverifiable items varies from one person to the next.
However, in all cases, the credit bureaus are required to respond to your disputes within 45 days.
It may take a few rounds of disputes to start seeing the results you need, which averages about six months. In more rare cases, it could take longer, while others may get all the results they need after just one round of disputes.
We help remove inaccurate or unverifiable:
Defaulted Student Loans
Identity Theft Accounts
Public Records
Evictions
Foreclosures
Chargeoffs
Unverifiable Accounts
Bankruptcies
Tax Liens
Repossessions
Collections
Short Sales
Inaccurate Information
Judgements
Late Payments
Child Support Issues
Don’t wait any longer to gain the financial freedom you need.
Perfect Harmony is here to help you master your credit and make it work for you, not against you.
Call now for your free consultation. Our credit experts will answer your questions and listen to your financial circumstances and needs to see how we can best help you.
If now isn’t convenient, or you prefer email, just take a moment to fill out our short contact form. We’ll reply promptly and set up your free consultation at your convenience.
Thank you for taking your first step to Perfect Harmony with us!