I do more than just fix credit. I change lives.

I’m Richard Kramer and I’ve spent 37 years of my life repairing credit and building wealth for my clients. I can help you save money, get a mortgage, or buy a car of your dreams. My strategies can improve your credit scores.. Consult me if low scores are holding you back from living your life. . I’ll sit with you to discuss your particular needs and build strategies that work with your financial goals. I’m so confident of my services that I let you decide for yourself if my services are worth every penny you paid. If not, I’ll give you a 100% refund of all of your monthly service fees.


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.
St Louis

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Hi, I’m Richard Kramer and I can help you

If you have any of these


Late Payments

Chargeoffs

Collections

Tax Liens

Bankruptcies

Repossessions

Judgements

Foreclosures


Here's what they are saying....





About Richard Kramer
Credit Repair Professional

Richard Kramer is “one of the top credit consultants and personal financial trainers in the US.” (Richard Umanoff, CPA). His passion, research, results, and willingness to be accessible to his clients have helped countless people repair and improve their credit scores and maintain a healthy financial lifestyle for nearly 35 years.

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   Contact Richard By Email





RL Kramer LLC 
Phone: 314-256-9633
Fax: 866-352-2595
Email: [email protected]