Client Reviews

"Great results from Howard and Perfect Credit Consulting, with his great work I'm 70 point's higher on my 3 bureaus in just 27 days. This process tremendously helped me reach a better interest rate for my home purchase. Thank you Howard!"

C.H., Phoenix AZ

"Perfect Credit Consulting helped raise my credit scores 100 points, Howard would answer my calls any time day or night he assured me my credit would get better, that was the truth he told, Thanks Howard!"

T.H., Bridgeport CT

"Howard increased my scores to 777, 775 and 775 in 45 days. I highly recommend him and Perfect Credit Consulting!"

A.C., Greenwich CT

"“Howard worked on my credit and my wife’s credit to prepare us for a mortgage. My FICO mortgage lending score went from 670 to 764 and my wife’s score went from 701 to 779 in over one month. We qualified for the best rate. Howard made himself available 24/7 during this process. Job well done!"

J.F., Darien CT

"Howard is amazing. He pulled two delinquent accounts out of collections and disputed three other collection accounts off my credit reports. We also added credit products and Howard taught me how to better manage my finances. The result was an increase in my FICO score from 598 to 689 in less than three months. The goal setting and strategies that I learned at Perfect Credit Consulting continue to push my credit higher and improve my quality of life. I am forever indebted to Howard Cutler and his wonderful firm."

A.C., Bedford NY

"Howard helped me last year fixing my credit, he was very knowledgeable and was able to help me fix my credit in six months. I was in the process of purchasing a home. Very happy with results. I recommend perfect credit consulting to anyone wanting to make a change in their life and fix their credit."

E.M., Bridgeport CT

"Howard was very helpfully in educating my two young adult children on how to manage and build their credit. Through his efforts they were each able to lease two cars at very good rates. Thank you"

D.H., Rutland VT

Great results from Howard and Perfect Credit Consulting, with his great work I'm 70 point's higher on my 3 bureaus in just 27 days. This process tremendously helped me reach a better interest rate for my home purchase. Thank you Howard!

C.H., Phoenix AZ

Perfect Credit Consulting helped raise my credit scores 100 points, Howard would answer my calls any time day or night he assured me my credit would get better, that was the truth he told, Thanks Howard!

T.H., Bridgeport CT

Howard increased my scores to 777, 775 and 775 in 45 days. I highly recommend him and Perfect Credit Consulting!

A.C., Greenwich CT

“Howard worked on my credit and my wife’s credit to prepare us for a mortgage. My FICO mortgage lending score went from 670 to 764 and my wife’s score went from 701 to 779 in over one month. We qualified for the best rate. Howard made himself available 24/7 during this process. Job well done!

J.F., Darien CT

Howard is amazing. He pulled two delinquent accounts out of collections and disputed three other collection accounts off my credit reports. We also added credit products and Howard taught me how to better manage my finances. The result was an increase in my FICO score from 598 to 689 in less than three months. The goal setting and strategies that I learned at Perfect Credit Consulting continue to push my credit higher and improve my quality of life. I am forever indebted to Howard Cutler and his wonderful firm.

A.C., Bedford NY

Howard helped me last year fixing my credit, he was very knowledgeable and was able to help me fix my credit in six months. I was in the process of purchasing a home. Very happy with results. I recommend perfect credit consulting to anyone wanting to make a change in their life and fix their credit.

E.M., Bridgeport CT

Howard was very helpfully in educating my two young adult children on how to manage and build their credit. Through his efforts they were each able to lease two cars at very good rates. Thank you

D.H., Rutland VT

Howard was incredibly helpful. I enjoyed working with him, he was fast and cleared out every issue in no time and in a perfectly professional manner.

E.B., Stamford CT

I HIGHLY recommend Howard Cutler at Perfect Credit Consulting! It is extremely stressful to be in the situation of needing credit repair services. However, Howard Cutler could not be more professional. He provides realistic reassurance, backed by his tremendous expertise in an area that is very intimidating to most of us. I found him to be honest and transparent in his advice. He is amazingly accessible, and provided frequent updates regarding the status of my account. I had spoken with one other credit repair firm, but they did not even compare with Howard in terms of the personal nature of his services. He is also incredibly efficient - in a process that I had anticipated would take months and months, I was pleasantly surprised when everything was taken care of in a much shorter period of time. Thanks to Howard, my husband and I were able to buy our dream home with a much more competitive mortgage, saving us a tremendous amount of money over the long term. When I found myself in the situation of having a low credit score in need of repair, I did not know initially where to turn. Now, every day I remain grateful for the professional, efficient, and personalized services of Howard Cutler at Perfect Credit Consulting! Truly the BEST money I have ever spent!!

E.S., Rochester NY

"Howard is one of the best credit consultants in the industry. I recommend his services to all my clients at Mass Mutual. Whatever the challenge, Howard is always up to it, and he completes it expeditiously. He is easygoing, yet very professional."

F.A., Tarrytown NY

"I've had a positive business relationship with Howard since 2008, so when I was looking to refinance my home I knew he would be the person to talk to in getting my credit in shape. Howard took the bull by the horns in cleaning up my credit report, enabling me to submit my refi application expediently and also obtain the best rate available. I was impressed by his extensive knowledge on what to look for and the best way to go about fixing it, and I am very grateful for the services he provided to me."

G.H., Ridgefield CT

Howard reviewed my credit one year after my divorce was finalized. He explained all of the items on my credit reports and told me how to interpret the scores on my FICO report. We also went over ways that I could raise my scores. It all worked and I qualified for the lowest rate on my car lease. He was honest and he always promptly returned my texts and emails and phone calls.”

H.Q., New Canaan CT

Perfect Credit Consulting is my go to company for all “things” credit for my student loan clients. As President of J&M Student Loan Services, LLC, our company works with consumers who have defaulted on their student loan obligations or they require our expertise to restructure their loans to lower their monthly payments. My partner and I have the choice to refer our clients to any credit consulting firm in the United States. However, all of our clients with credit issues are referred to Howard Cutler. Howard is honest and diligent and he delivers results. He works with consumers one-on-one—he is not a credit repair mill. When you call Perfect Credit Consulting, you deal with the expert—not a call center representative. He puts clients first, he is accessible morning, noon and night and clients can always reach him via email, text or phone. I highly recommend that you engage Howard Cutler and Perfect Credit Consulting to improve your credit scores—you will sleep better at night!"

J.S., Manalapan NJ

"I've been running a tech support business for a long time, and never was able to receive a decent loan. With Howard's help...We got it done. Thanks Howard!"

J.T., Hartford CT

Howard helps my clients at @GetFinanciallyFit rebuild their credit when it seems otherwise impossible. His dedication, passion and commitment to my clients has been an extremely valuable resource as they put their financial lives back together!

M.G., White Plains NY

Howard is an expert! I have had problems with my credit scores for years. I met with him a few months ago and he has been the perfect solution to my life. My life is now forever changed for the better due to his expertise and knowledge in this area of business. I wish I knew him sooner as it would have helped me out years ago. My numbers have increased and so have my smiles. Thank you Howard!!! I highly recommend him for anyone who has had credit problems.

M.R., Fairfield CT

Howard is the absolute best! He's a wizard and I don't know what I'd do without him!!

N.M., Norwalk CT

"If you or someone you know needs an excellent company to help you straighten out your credit, I recommend Perfect Credit Consulting. They are the #1 company in their field they definitely get the job done and always have your best interest at heart.” Natasha Rodgers, Founder and CEO, The Samuel Whitfield Simmons Organization Somerset, NJ

N.R., Somerset NJ

Great and professional service. Howard made me feel at ease just off our phone conference and even more so once we met in person. Howard is always accessible and responds to any questions in a timely manner. My credit score has never looked so good! I highly recommend Perfect Credit Consulting.

O.S., Yonkers NY

Howard is passionate about helping people. Poor Credit is a difficult subject matter to discuss with anyone! When your credit is bad, poor or even marginal, you will suffer in life. It's hard enough to understand the industries terminologies and read all the reports let alone get things fixed. (Especially if you try to go at it alone.) Even if your credit score is in the mid 700's, you stand to lose thousands of dollars over time when negotiating a mortgage or loan with a bank/lender. Not only will Howard walk you through the process but he is also very concerned about each one of his many clients! Sure you can go to a friend or read the latest book on getting perfect credit. That would just waste more time and money. Unlike many of the flavor of the day solutions out there, Howard knows and understands what you need to know without the hassles. If you are under the weight of debt that you cannot see a way out of, give Howard a call. You’ll be glad you did!

P.C., Fairfield CT

Howard Cutler and the team at Perfect Credit Consulting have been instrumental in helping us qualify for a great HELOC. They cleaned up a few of our derogatory files and we were ready to go in 30+ days. I highly recommend this company--they know how to deliver!

P.L., Pittsford VT

I was referred to Howard by someone who was amazed at his results. I called Howard and since day one he has been wonderful, helpful, transparent and gets things done. I would recommend him to anyone that struggles with their credit or needs to clean up issues from their past.

T.F., Shelton CT

So glad I met Howard Cutler! In our initial meeting I found Howard to be prepared, professional, encouraging and non-judgmental. Howard was attentive to all the details of my particular situation and what I had to say. He offered several options and in the end he helped me tremendously! Thank you Howard @ Perfect Credit Consulting, you've changed my outlook, options and future with your support! Couldn't have happened without you!

V.M., Bridgeport CT

National Association of Credit Services Organizations

Contact Us Today for a FREE Consultation!

Allow us to help you establish robust credit.   hcutler@perfectcreditconsulting.com       (203) 291-9465.