Perfect Credit 4 Life

Extreme Credit

Extreme Credit Protection

The Credit Renewal Process

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. Can you really wait up to 7 years to buy a house, get a government contract, get a good job, get a promotion, save your business, get a grant, get a higher education student loan, etc. Think of us as Netflix® and credit repair is BlockBuster®. Rapid Restructure is going to change the world forever. So, it is important for you to understand how it works.

Rapid Restructure has four basic components:

  1. Bad Debt Elimination Filters (DEF)
  2. Strategic Credit Restoration & Development(SCR)
  3. Score Enhancement Algorithm (SEA)
  4. Acquisition Based Compliance(ABC)

What is Debt Filtration?

Debt filtration is one of the most revolutionary components of our Rapid Restructure process. Debt Filtration is the science of eliminating debts legally and permanently, without payment. That’s right, I said eliminating your debts without payment, LEGALLY AND PERMANENTLY!!!!! Our plans include Debt Filtration. Our Debt Filtration Program combines 50 different Debt Cancelation Laws, Debt Forgiveness Programs, Hardship Programs, and Fresh Start Programs into one easy to use program. Never heard of debt filtration before. Don’t worry you are not alone. Debt filtration is a closely guarded industry secret. It would take you 50 years to master all 50 debt filters. Most companies only understand one or two of these complex systems. Never has anyone put all of these programs under one roof. By combining these programs, it is possible to eliminate up to 100% of your bad debt without payment. Don’t be shocked by this. America is in the debt forgiveness business.

What is Strategic Credit Restoration & Development?

Our Strategic Credit Restoration & Development process cleans your credit using an algorithm- based system that is customized to your specific credit requirements, unlike credit repair where you simply use a generic dispute letters that are usually blocked by the credit bureaus. Without citing specific reasons, corresponding evidence or laws to justify the removal of the specific item the credit bureaus will simply verify the dispute or even worse, they will mark your dispute frivolous. SCR is the most powerful form of credit correction available because it requires administrative remedies prior to the dispute process. These administrative remedies generate the necessary reasons, corresponding evidence or laws which warrant the removal of any derogatory item.

What is a Score Enhancement Algorithm?

The new credit scoring system is based on complex algorithms that convert your credit report data into a numerical value. That numerical value is based on five (5) components. In order to affect positive change in this new system it takes an algorithm that can adjust your credit against the same components that is evaluated by the new credit scoring system. Fortunately for you we are partnered with the inventor of that algorithm. We will use this algorithm to keep your scores at inception levels. Once you lock in your score with one of our plans the SEA goes to work for you.

What is Acquisition Based Compliance?

We are not a credit repair company and we are not affiliated with any credit repair or debt consolidation companies. Our process is designed to help you maintain your access to capital. As such, it is important to first know what the necessary ingredients is to acquire capital. Fortunately for you we have the recipe for access to capital. We use this recipe to pre-underwrite your credit so that you can always be pre-approved for any loan which you apply. This pre- underwriting process is what makes our plans unique and give you the services that you really want. We live in a world where your prosperity is controlled by your credit. Now for the first time you actually have the tools to control and maintain you access to the American Dream.


  • Perfect Credit: We will restore your credit to inception levels posted at the activation of your plan.Free of Charge, with no deductible, and no copay for an unlimited number of claims during your coverage period;
  • Bad Debt Elimination: We will use debt filtration and other legal remedies to eliminate, greatly reduce or settle all of the bad debts you incur from inception of your plan, during your coverage period. A 10% deductible does apply;
  • ID Theft: We will eliminate all bad debt and poor credit that is the result of identity theft, Free of Charge, with no deductible and no copay;
  • NSCRA Reports: We will restore your Nationwide Specialty Credit Reporting Agency (sometimes called NSCRA’s) reports to inception levels posted at the activation of your plan.  Free of Charge, with no deductible and no copay for an unlimited number of claims during your coverage period. These reports are becoming more popular with creditors than credit reports.  NSCRA’s are defined under the FCRA as,consumer reporting agencies that maintain/compile files on consumer data on a nationwide basis that relates to one or more of the following: Medical records or payments, Residential or tenant history, Check writing history, Employment history, or Insurance claims.  There are currently over 400 NSCRA’s in operation in the United States.


All policies must be renewed every five (5) years. Setup fee $149.00.