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Services Programs

Build Perfect Credit offers comprehensive, personalized and proven credit restoration programs. When you become a client, we will individually-tailor your credit restoration program to your exact credit situation and goals. Our programs are based upon extensive research of consumer credit laws, experience with credit bureau and creditor tactics. Our programs have helped Americans correct and update their credit reports resulting in higher credit scores.

Pricing

  • Individual Program

     

    Our Individual Program offers the following services:

    Individually-Tailored Dispute Letters Legal Staff Support Creditor Verification
    Unlimited Disputes Goodwill Intervention Inquiry Deletion
    24 Hour Case Management Access Debt Validation Identity Theft Assistance

    We offer multiple payment options to fit your budget:

    • One monthly payment of $799.00
    • Three (3) monthly payments of $185.00 plus a set up fee of $299.00
    • Six (6) monthly payments of $125.00 plus a set up fee of $299.00
    • Twelve (12) monthly payments of $99.00

    Note: Monthly fees are charged on the 28th day of each month beginning one (1) month after the setup fee is charged.

  • Couples Program

     

    Our Couples Program offers the following services:

    Individually-Tailored Dispute Letters Legal Staff Support Creditor Verification
    Unlimited Disputes Goodwill Intervention Inquiry Deletion
    24 Hour Case Management Access Debt Validation Identity Theft Assistance

    We offer multiple payment options to fit your budget:

    • One monthly payment of $999.00
    • Three (3) monthly payments of $185.00 plus a set up fee of $499.00
    • Six (6) monthly payments of $125.00 plus a set up fee of $499.00

    Note: Monthly fees are charged on the 28th day of each month beginning one (1) month after the setup fee is charged.

  • Select "7" Program

     

    Our Select "7" Program offers the following services:

    Individually-Tailored Dispute Letters Legal Staff Support Creditor Verification
    Unlimited Disputes Goodwill Intervention Inquiry Deletion
    24 Hour Case Management Access Debt Validation Identity Theft Assistance

    The Select "7" Program offers a reduced payment for clients with seven or less creditor account disputes.

    • One monthly payment of $500.00
    • Six (6) monthly payments of $99.00

    Note: Monthly fees are charged on the 28th day of each month beginning one (1) month after the setup fee is charged.

  • Refund Policy

     

    Build Perfect Credit, Inc. agrees to give a 100% refund to "the Client" if our consultation advice does not improve "the Client's credit. "Improve" shall be defined as removing at least 25% of negative items from the three major credit bureaus: TransUnion, Equifax, and Experian.

    "The Client" must have contracted Build Perfect Credit, Inc. to consult on eight (8) or more negative items in order to qualify for the Refund Policy.

    "The Client" must have not used a "Credit Repair Company" in the past two (2) years for the Refund Policy to be in effect and "the Client" may not have attempted to repair his/her credit on his/her own in the past two (2) years. "

    "The Client" also agrees that accurate collections and charge-off accounts with balances are not included in the Refund Policy.

    "The Client" must mail all disposition letters or updated credit report from Creditors and each of the three major credit bureaus: TransUnion, Equifax, and Experian, every forty-five (45) days for the Refund Policy to apply.

    The Refund Policy only applies to negative items Build Perfect Credit Inc. is contracted to consult on by "the Client" at the time of agreement.

    Any additional negative items reported after agreement is signed are not included in the agreement and will require an additional consulting fee.

Individually-Tailored Disputes

Our attorney prepared, individually-tailored dispute letters are created with an extensive knowledge of the law and the procedures employed by creditors and credit bureaus.

Continued Disputes

Our dispute process is dynamic. If a disputed account is verified by the credit bureaus, we do not re-dispute the account using the same criteria. We create individually-tailored responses throughout each phase of the dispute process designed to maximize the potential for success.

Intervention Letters

If our request for the removal of a reporting error is denied, we will pursue the issue directly with the creditor. We will request the credit bureau to provide details regarding verification procedures to target our ongoing efforts accurately.

Statute of Limitation Research

Prior to disputing a collection account we will research the statute of limitation for the debt. The status of the statute of limitation will determine our options, allow us to pursue the best course of action and avoid collection activity.

Debt Validation

We require the credit bureaus and creditors to properly validate a debt adhering to Federal Law standards.

FICO® Score Consulting

Credit score optimization is much more than correcting negative listings on your credit report. It involves a detailed analysis of each of the sections of your credit report. Consulting items may include: opening or closing accounts based on age, analysis of the mixture of types of accounts, analysis of balance ratios, and a series of other adjustments. We identify your score optimization opportunities and provide the help you need to make your credit restoration a success.

Credit Rebuilding Education

Our website provides detailed information regarding the cost of bad credit and the key factors to credit. We provide the help and guidance you need to open and manage new accounts for the results you deserve.