Overview
Perfect Credit Consulting is a credit counseling services that focuses on providing consumer education to help their clients understand the way that credit, credit reporting, and credit repair services work. They don’t offer dispute services or take action on behalf of the customer.
Pros
The first positive aspect of the company we found was that they offer lots of helpful information for consumers regarding credit, credit repair, credit reporting, good credit practices, and more. Our research indicates that companies with more consumer information generally do a better job at helping consumers stay out of credit trouble. Moreover, a greater focus on consumer indication generally means that the company is at least as interested in helping the consumer as they are in making a profit, and important aspect for credit repair companies.
Perfect Credit Consulting also impressed us in that they have various calculators that will help consumers understand how different credit services and processes work, and lets them know what the real cost of purchases will be. This is a service we’d like to see from more credit repair companies as we found it to be incredibly useful and a fairly unique service.
Lastly, they have good reviews for customer service, with many complimented the speed of response, quality of answers, and professionalism of that aspect of the business. This is especially important for credit repair companies because many customers don’t understand the credit, credit reporting, or credit repair processes.
Cons
Perfect Credit Consulting isn’t perfect. The first issue we have is they don’t file disputes on behalf of customers. This is in stark contrast to most credit repair companies that focus on disputing negative and inaccurate information that can severely undermine a consumer’s credit score.
Perfect Credit Consulting has another problem, namely that their fees and rates for services aren’t described on their website, which means that customers will have to set up an appointment or call in to get more information. We don’t like this sales tactic, as customers are more likely to sign up with a service once they’ve shared information, so we view this as a negative when it comes to credit repair services.
Perfect Credit Consulting can also improve in that they lack case studies and other information that demonstrates the sorts of results that consumers can expect. These studies are the best way for consumers and reviewers to get an idea of what kind of results the company can achieve. This knocks them down a bit in our review as our research indicates that companies with lots of case studies tend to deliver better customer service and customer satisfaction.
Verdict
Perfect Credit Consulting is a good option for consumers looking for education, and those who want to be in charge of the actions they take with regards to their credit. However, if you are looking for someone to help with disputes or take action on your behalf, then you should look elsewhere for those services.
