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America’s #1
FICO® Score 


I’m David Peter Schram, author of the first book ever on how credit scores really work.

I’ve done radio shows and lecturing across the nation and my printed newspaper articles were published world wide for years under my pen name Dave Peters by Gannett Publishing, the owners of USA Today .

Select the video subjects covering your credit problem(s) and you’ll learn things you never knew.

My tactics are superior to disputing.

I’ll never let my company use disputes of bad credit.

This informative video explains why the credit repair industry deserves its poor reputation.