If you are reading this, there is a good chance that you already know how much bad credit can affect your life. It prevents you from getting secure, low-interest loans; makes your insurance more expensive; and even affects your ability to get a job. Luckily for you, I’m here to help you to regain control of your life. I look at the big picture and draw on my 37 years of experience to create strategies that will increase your credit scores, save you money on big purchases, and open the door to financial freedom. Give me a call at (316) 202-6377 to find out how I can help you.

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 Paul


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

If you have any of these

Late Payments



Tax Liens





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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: 612-294-6103
Fax: 866-352-2595
Email: [email protected]