About Us

Welcome to
Perfect Credit 4 Life

Our programs are guaranteed through an exclusive licensing agreement with Credit and Debt Management Institute, Inc. the world’s leading credit experts, CDMI has been an important force in shaping personal finance driven technologies and have used their proprietary technology to launch products that foster economic growth and personal empowerment. CDMI’s credit team currently holds all three industry record: (1) the World’s Highest Credit Score; (2) the Fastest Credit Turnaround; (3) the Most Deletions in a Single Dispute.


Our Clients Reviews

Who We Are?

Our revolutionary and innovative programs allow individuals unlimited access to capital and the American Dream through perfect credit and trade line management. These new plans will finally give you a solution driven, reliable, and vetted credit product that delivers results.

Each of these plans are powered by team’s proprietary Credit Restoration & Development Algorithm. We are not offering credit repair. Credit repair is an antiquated technology that was only moderately effective during the “Old Credit System”. In the year 2000 this country and most of the industrialized world switched from the “Old Credit System”, to the new “Credit Scoring System”.

Our Services

Perfect Credit 4 Life uses the most aggressive legal and administrative remedies; debt filtration strategies and conventional dispute methods to ensure maximum results in restoring your credit. Our process is based on knowledge of credit and debt laws, our proprietary algorithm and our award-winning experience with the credit bureaus. We currently hold all three credit industry records and leverage that expertise to get you the results that you want. Perfect Credit 4 Life works in a 4 Step process that is extremely effective and geared toward providing world class customer service and results.

“Credit Restoration Services” means all actions taken by STC, on behalf of the Client, related to the removal of any errors, misrepresentations, outdated and/or unverifiable information from Client’s Credit Report(s), and/or any of STC’s attempt to remove the same, as permitted under Federal Law (15 U.S.C.S. 1681 et seq.).


We are the pioneers of Rapid Restructure Technology (RRT). Rapid Restructure replaces; Chapter 13 Bankruptcy, Consumer Credit Counselling, Debt Consolidation, and Credit Repair in the New Credit System. Rapid Restructure cleans your credit, eliminates your debt and builds your credit score simultaneously.

If you are still using one of these old credit system technologies (Chapter 13 Bankruptcy, Consumer Credit Counselling, Debt Consolidation) you are simply Buying Bad Credit. In the new credit system, a paid charge off scores the same as an unpaid charge off. A satisfied judgment scores the same as an unsatisfied judgment. If you are still using credit repair, then you are buying disappointment.