Limited Time Offer of only $127 per month!

First month is $197. (That’s for me to analyze and review all three of your credit reports and scores. Then I develop and implement an individualized plan of action to deal with the credit bureaus and your creditors. I do all of this to get you the best scores possible!)

Enrollment space available today Don’t Be Left Out!
You’ve waited long enough. I wish I could help more people do this, but since I work on each members file personally, enrollment is limited. Now it’s time to work with those who are serious and want to make a real difference in their lives. Step up and be one of those people.

Richard’s 120 Day Money Back Guarantee
I don’t like refund policies, warranties, or even guarantees with a “catch.” You judge the results of my service and decide for yourself if it’s worth every penny you paid. If not, I’ll give you a 100% refund of all of your monthly service fees.


A personalized credit repair solution!
Sit back and relax while I go to work for you putting my 35 years of experience and unique strategies in play for you. That’s correct. I do the work and you relax! Late pays, charge offs, bankruptcies, liens and more… I work on them all.
  • I personally review and monitor your progress from beginning to end.
  • Each client gets personal attention, unlike other credit repairs firms that just toss your file into a computer and try to automate the credit repair work.
  • You will receive your very own “credit portal” where you can view your three current credit scores, all of the items I am disputing for you, and the progress being made.
  • You also receive exclusive access to me for all of your questions at the “Ask Richard Anything” forum on your private membership page.

Special Bonus Offer: One-on-One Coaching Session

Richard Kramer will personally coach you on advanced credit and high performance strategies to maximizeyour credit scores and maintain a balanced financial lifestyle.

This elite one-on-one coaching session provides individuals and couples who are committed to achieving high credit scores a vehicle for advancing their financial well-being.

"Not only will I teach you how to maintain great credit but I provide you with action plans that can save you thousands of dollars annually!"

Again, there is a 120 day money back guarantee to eliminate all concerns you might have.

Step #1 Read FTC Disclosure

The Federal Trade Commission requires this disclosure under the “Credit Repair Organizations Act” SEC. 405.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch Federal Trade Commission Washington, D.C. 20580'.