Making Your Future a Success

Plan for tomorrow today!

About Us


Certified Credit Planners

We are the inventors of Rapid Restructure, which is currently the fastest way to build or rebuild your credit.  Using our FICO credit system based technology we currently hold all three(3) credit industry records including the highest credit score in the world. Ask us about:

  • Raising your credit score up to 850
  • Achieving Zero Derogatory Credit (ZDC)
  • Turning your credit into money
  • Credit insurance/protection
  • Eliminating your bad debts with Cancellation and Forgiveness instead of Bankruptcy, Consumer Credit Counseling, Debt Consolidation scams  or Payment                                                                                 

If it affects your credit our team of experts, attorneys or paralegals can access many different products and services so that you can get the right solution every time.


Comprehensive Approach

We use proven FICO credit system strategies designed to meet your needs.  In the year 2000 this country switched to the new FICO credit scoring system.  This system radically changed the way we restore our credit, eliminate our debt and access capital.
Unfortunately, 99% of industry professionals still used "Old Credit System" methodologies like bankruptcy, consumer credit counseling, debt consolidation companies and credit repair.


Committed to Service

Every successful financial strategy starts with an excellent client relationship. Our mission and values include exceeding our client’s every expectation. Call us today to find out how we can suggest long- and short-term strategies that will help you realize your financial dreams.

Our Team

the World's Leading Credit Expert - Dr. Michael C. Grayson


In 2014 the editors of RE Wealth Magazine name Dr. Michael C. Grayson the world's leading credit expert.  In addition to being the CEO of Credit and Debt Management Institute, Inc., Dr. Grayson has been invited to speak before Congress on access to capital for small businesses, written expert papers for two(2) Presidents, was Honorary Chairman of the Business Advisory Council under president Bush and is currently working with Mayor Richard Thomas to raise the aggregate credit scores of the entire city of Mt. Vernon, NY.

Lead Attorney - Arti Kane, Esq.


Attorney Arti  Kane is one of the leading Credit and Debt Law attorneys in the country.  Ms. Kane has brought her unmatched track record and expertise to CDMI.

Director - Elizabeth Brown


After graduating from the Wharton School of Business, Elizabeth Brown enjoyed a powerful corporate career before taking over operations at Credit and Debt Management Institute, Inc.

Contact Us

Get Started Today

CDMI online

451 Sunrise Hgwy, Suite 2, 2nd Floor, Lynbrook, NY 11563

(516) 620-3500


Monday - Friday: 10am - 5pm

Saturday: By appointment

Sunday: Closed


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