Credit is defined as a contractual agreement that sees a borrower receive something of value with the understanding that they will repay the lender late, often with interest. While this may seem easy to understand, credit and credit scores are more complicated than you’d think. Just ask Winchester Hopkins.
Winchester was able to hold a perfect credit score and began to cosign for people, often lending so they could purchase material things like phones and even cars. One day, he found that repossessions started hitting his credit.
Unpaid phone bills and his medical bills saw his credit score drop to 472. He felt no way out as he couldn’t get approved for a pen on layaway at the time, he stated. He turned to several credit repair companies that all turned up with hardly any results.
Because he still had no idea what credit was about, Winchester began to do some research and learn about them. He wrote a few letters and added 15k in guaranteed credit that he would later teach at Perfect Score Club. This resulted in getting him a 300 point jump across three credit agencies.
The result had Winchester smiling again, and one month later, he began helping out his friends and family. This time, he was prepared. The research had paid off, and Winchester was confident that he would not repeat the same costly mistakes. Rather than keeping his newfound knowledge to himself, he created Perfect Score Club.
Perfect Score Club is similar to many credit writing companies but also different in their own unique ways. Because of Winchester’s past experiences, he makes sure that the one-on-one coaching sessions don’t just help their clients with their credit problems, but also have a clear and concise understanding of how credit works.
They also offer a world-class audit, immediately breaking down credit and how credit works. Perfect Score Club offers Zoom training sessions on credit, including the immediate do’s and don’ts, to help keep their client’s credit history clean and stable. Winchester also employs mortgage brokers, car salespeople, and loan officers to give their clients the edge that they need to advance their family’s way of life.
Winchester understands the importance of family. So he provides thousands worth of value at an affordable rate, ensuring that it does not take food off the table for their clients who are struggling financially. If a financial issue occurs in the monthly bill, Perfect Score Club doesn’t suspend their subscription.
They are wholly committed to empowering families with finances and credit knowledge. To help them, Perfect Score Club covers financial obstacles such as medical bills, school loans, bankruptcies, tax liens, evictions, reposts, utility bills, etc.
It is part of their mission to use programs that help create family legacies and get rid of poverty. Winchester hopes to see his project launch in several other countries, building partnerships with estate firms in the country to help Perfect Score Club grow.