About Us
About Credit and Debt Management Institute
CDMI is a 501C3 nonprofit organization. For over 24 years CDMI, under the leadership of Dr. Michael C. Grayson has been an important force in shaping credit based financial literacy, developing ideas that foster economic choice and individual responsibility, and creating award winning FICO Credit System-based programs and strategies that give churches, businesses and individuals unlimited access to capital and the American Dream. CDMI is a Tennessee based company that has conducted and publicized research on our era’s most challenging public issues: consumer debt litigation, credit restoration in a FICO environment, the effect of credit on the leading economic indicators, small business access to capital, and many others. Our work has won new respect for credit-oriented policies and helped make economic recovery a reality. Using our core competencies, we have created the most advanced FICO-based credit courses, training, products, and programs available anywhere. For the first time ever you can control, restore, or enhance your credit score, become a credit expert, empower a group of individuals to teach the new credit system (80% of Americans and industry professionals still think that we are using the Old Credit System), even raise the aggregate credit scores of an entire city.
Located in Tennessee, CDMI produces cutting edge credit restoration, debt elimination and access to capital strategies while providing creative financing ideas that are both results driven and empowering. Founded in 2000, the mission of CDMI is to provide churches, organizations, individuals, small businesses, and communities with the intellectual capital necessary to navigate our very complex post global meltdown FICO driven financial environment. We provide community-building strategies and have recently expanded our services to include a train-the-trainer process aimed at providing cities with the skills and tools to impart financial literacy education to their residents. We will be launching our first test city in November starting with a contract we have with the city of New York. Our Dream America project is focused on helping cities to 1) organize and facilitate financial-literacy town-hall sessions; 2) conduct community-based financial literacy workshops; and 3) train community residents and leaders to offer financial literacy trainings to their neighbors.
CDMI is one of the country’s leading financial services companies. We have created a one stop shop for access to capital. In the year 2000 this country switched from “the Old Credit System” to “the New FICO Credit Scoring System”. CDMI was created in the same year with a primary focus on developing financial services which are compatible with the FICO Credit Systems. CDMI provides churches, individuals, small businesses, celebrities, professional athletes, government agencies, politicians and corporations with the hands-on solutions and intellectual capital needed to position themselves for financial growth. We live in a financially challenging environment where access to capital requires more than just good credit. CDMI understands the complex language of credit, debt, and finance. We have created CDMI’s infrastructure in such a way that we can remain lean, adaptive, and able to provide timely, affordable, and creative real time solutions for our clients.
Starting Your Own 720 Credit Score Community
Virtual Credit Bank (VCB)
Our revolutionary new programs allow you to give unlimited access to capital and the American Dream through perfect credit and trade line management. This new program will finally give you a solution driven, reliable, and vetted credit product that delivers results. Each of these products is powered by our proprietary Credit Restoration & Development Algorithms. We are not offering credit repair. Credit repair is an antiquated system that was only moderately effective during the “Old Credit System”. In the year 2000 this country and most of the industrialized world switched from the “Old Credit System” to the new “Credit Scoring System”. The new system is radically different from the old. Most people in the credit business are still using old credit system methodologies because; (1) they do not possess the credit restoration algorithm; (2) demand for this technology is limited because the general public is unaware of this major transition; (3) using flawed obsolete technology is extremely profitable; (4) they are not experts in debt law, credit law and finance (5) It takes more than just good credit to get true access to capital. Remember, the new credit system is based on complex algorithms that convert your credit report data into a numerical value. Therefore, it takes an algorithm to beat an algorithm.
Currently, we have no competition because we have the “Colonel Sanders Recipe for Perfect Credit”. We wrote the algorithm for credit restoration. For the first time ever you can control, restore, and enhance your credit score at will; become a credit expert; empower an entire group with perfect credit; and accurately forecast your borrowing power. We are not a credit repair company, and we will never offer any credit repair products. Our products are based on a new score-driven technique called Rapid Restructure®. Comparing credit repair to Rapid Restructure is like comparing a horse and buggy to a Ferrari. Yes, they are both transportations, but the technological differential makes them light years apart. Look at what we have accomplished using our Rapid Restructure model:
CDMI has all three credit industry records.
The world’s highest credit score
The fastest credit turnaround in history. From 500s to 800s in only 30 days.
The most deletions in a single 30 day dispute = 73 items removed
CDMI is a 501C3 nonprofit organization.
For over 23 years CDMI under the leadership of Dr. Michael C. Grayson has been an important force in shaping credit based financial literacy, developing ideas that foster economic choice and individual responsibility, and creating award winning FICO Credit System-based programs and strategies that give churches, businesses and individuals unlimited access to capital and the American Dream. CDMI is a Tennessee based company that has conducted and publicized research on our era's most challenging public issues: consumer debt litigation, credit restoration in a FICO environment, the effect of credit on the leading economic indicators, small business access to capital, and many others. Our work has won new respect for credit-oriented policies and helped make economic recovery a reality. Using our core competencies, we have created the most advanced FICO-based credit courses, training, products, and programs available anywhere. For the first time ever you can control, restore, or enhance your credit score, become a credit expert, empower a group of individuals to teach the new credit system (80% of Americans and industry professionals still think that we are using the Old Credit System), even raise the aggregate credit scores of an entire city.
Located in Tennessee, CDMI produces cutting edge credit restoration, debt elimination and access to capital strategies while providing creative financing ideas that are both results driven and empowering. Founded in 2000, the mission of CDMI is to provide churches, organizations, individuals, small businesses, and communities with the intellectual capital necessary to navigate our very complex post global meltdown FICO driven financial environment. We provide community-building strategies and have recently expanded our services to include a train-the-trainer process aimed at providing cities with the skills and tools to impart financial literacy education to their residents. We will be launching our first test city in November starting with a contract we have with the city of New York. Our Dream America project is focused on helping cities to 1) organize and facilitate financial-literacy town-hall sessions; 2) conduct community-based financial literacy workshops; and 3) train community residents and leaders to offer financial literacy trainings to their neighbors.
CDMI is one of the country’s leading financial services companies. We have created a one stop shop for access to capital. In the year 2000 this country switched from “the Old Credit System” to “the New FICO Credit Scoring System”. CDMI was created in the same year with a primary focus on developing financial services which are compatible with the FICO Credit Systems. CDMI provides churches, individuals, small businesses, celebrities, professional athletes, government agencies, politicians and corporations with the hands-on solutions and intellectual capital needed to position themselves for financial growth. We live in a financially challenging environment where access to capital requires more than just good credit. CDMI understands the complex language of credit, debt, and finance. We have created CDMI's infrastructure in such a way that we can remain lean, adaptive, and able to provide timely, affordable, and creative real time solutions for our clients.