Dr. Michael C. Grayson is an African American author, entrepreneur, consumer advocate, and credit expert. He serves as the CEO of Credit and Debt Management Institute, Inc.
Dr. Grayson completed his Ph.D. in Business Administration from the University of Virginia. His undergrad studies were mathematics and systems engineering.
Dr. Grayson has been invited to speak before Congress on access to capital for small businesses written expert papers for two Presidents, and 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.
Dr. Grayson has a stellar track record as a consumer advocate, who constantly challenges creditors and the credit bureaus in court to hold them accountable. Currently, Dr. Grayson is involved in the largest Pro Se litigation in history against Equifax. Dr. Grayson is suing Equifax for malicious credit reporting and fraud. This litigation once successful will help every American who is trying to rebuild their credit after COVID 19. Also, Dr. Grayson alleges racial bias in credit reporting which places minorities at a tremendous disadvantage when applying for loans. Equifax is currently on their third high-profile law firm as they seek to defend themselves against the onslaught of this champion of justice who not only does not have an attorney but has no legal background.
He has invented the concepts of debt filtration and rapid restructuring and offers a revolutionary new type of credit insurance product that protects credit from any type of derogatory entry and eliminates the need for Consumer Credit Counseling, Bankruptcy, and or Debt Consolidation Companies. CDMI also offers a Credit Benefits Package to employers and large organizations that will give every employee or member of the organization perfect credit.
Dr. Michael C. Grayson is the President and CEO of The Credit & Debt Management Institute. Before assuming the helm at CDMI, Dr. Grayson’s professional career included 20 years working as a credit industry insider. Dr. Grayson retired from the credit industry and started CDMIs in 2000, offering FICO-based credit-driven financial products and services to individuals and businesses. Dr. Grayson served as a consultant to several prestigious law firms and financial services companies, including Rosenbaum and Associates, The Cochran Firm, and The Minority Mortgage Bankers Association. As a consultant, he advised C-level executives at several large corporations, including General Motors, Liberty Tax, and Ford. Using his proprietary FICO Restoration Formula, Dr. Grayson currently holds all three Credit Industry Records; one of his clients has the Highest Credit Score.
In The World (a mid-score of 990); one of his clients had the Fastest Credit Turnaround (from the 500’s to the 800’s in less than 30 days), and he is also credited with the record for the Most Deletions in A Single 30 Day Dispute (73 derogatory items removed in one month). Dr. Grayson served as Honorary Chairman of the Business Advisory Council during the Bush Administration and continues to help politicians create effective credit-based policies and programs. As his expertise grew, so did his firm belief that churches, non-profit organizations, and small business owners deserved a deeper understanding of credit and debt systems to help them better approach their financial visions. To fill this important gap Dr. Grayson is now offering his highly acclaimed workshop “Claiming Your Inheritance”. This workshop has been so successful in helping ministries small businesses and individuals become prosperous that Dr. Grayson was featured twice by the Governor of New York and was asked to testify before Congress on small businesses' access to capital. In addition, he was chosen for the cover of Wealth magazine. He is the first African American and the first person in the credit industry to ever be honored on their cover. This powerful workshop will change your life and give you the power to create your own Virtual Credit Bank with little or no documentation and without government regulations and restrictions. The VCB is one of the most powerful financial tools in history.