About us

We advocate strenuously on our clients behalf to improve their financial futures.

After looking at alternatives

Our journey began in 2000

In the year 2000, the United States and most of the industrialized world changed the way they scored credit for business and consumers. The new system is radically different from the old. 

Our revolutionary and innovative programs allow individuals unlimited access to capital and the American Dream through perfect credit and trade line management. 

It changed so much that unless you were on the inside, credit business where unprepared for what came next and are still using antiquated methods because:

    1. Lacks insider experience.
    2. They are not experts in debt law, credit law and financial engineering.
    3. They don’t know the algorithm that that creates credit scores.

As an advocate for consumers in his community. Credit & Debt Management CDMI, a registered 501(c)(3) non profit organization was formed. 

Using CDMI’s revolutionary technology, you can control, maintain, restore and or enhance your credit and score at will. Become a credit expert to empower an entire group with perfect credit and  possibly even the aggregate credit scores of an entire city.

Arthur C. Clarke’s 3rd Law states that, “Any sufficiently advanced technology is indistinguishable from magic.”

Together with CDMI we are not in the credit repair business or the insurance business, we are in the business of creating magic. 

When you are tired of being disappointed, tired of being ripped off, tired of being harassed by creditors, tired of being hopeless, then you too are ready for a little magic in your life.

Dr Michael Grayson showing a magazine with his picture on cover.
Author. Engineer. Consumer Advocate

Our Founder

Dr. Michael C. Grayson is an African American author, entrepreneur, consumer advocate, and credit expert.

Dr Grayson spent 20 years as a credit industry insider. He’s expertise has propelled him to have been the Honorary Chairman of the Business Advisory Council, under President Bush.

Dr Grayson has also testified in front of Congress advocating for small businesses access to capital.

Spilling all industry secrets.

Dr Grayson on the Air

Dr Grayson reports up to date information on the economy and the credit industry while explaining historical facts and methodologies of how credit was determined and recorded.

Celebrity Clients

Leonard Marshall, NY Giants

Derrick Lee "Ganster Capone"

Credit & Debt Management Institute has changed my life. I hate to say it, but it feels like I just got out of prison. I am glad to have them on my side.
Brenden Morris
Chicago, IL
Now I can see why there are so many positive testimonials about this company. I highly recommend CDMI
Alexa Smith
Detroit, MI

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Credit & Debt Management Institute is a registered 501(c)(3) organization.