Why professionals prefer
Credit Money Machine:

Automatic Extraction of Disputes

Windows based (resides secured in your computer)

More features, faster, more secure

More profitable (does in seconds what others do in hours)

You can own it and stop rent payments forever


Client & Affiliate Portals

Installed in your own website not ours

Bilingual English-Spanish

Integrated Referral System

More secure (don't contain sensitive information)


CRM, Management, Marketing
and Financial Capabilities

All versions have a Lead Finder area. Our Pro Plus and Ultimate have: Invoicing, Email System (sends and receive), Auto-Messenger, Account Receivables, Payables, Check Writing, Bank Reconciliation, Charge of Credit Cards, ACH Checks, Escrow Account, Check Drafts, Telemarketing, Parsing System(data extraction system) and much more.


Two Styles of Websites

Two styles to choose from
Communicate with CMM by receiving leads from your website while receiving the client and affiliate portals
You can buy them and they'll be yours forever.
Stop rent payments forever.


Take the 25 Second Challenge

See by yourself why Credit Money Machine is by far the fastest and easiest credit repair software under the sun.
Let me prove it to you now. See the video.


Pay-Per-Deletion Method

See how you can make more money with Pay-Per-Deletion
The Pay Per Deletion Method is the most profitable method & 100% Legal


Free CRM App for your Salespeople, Clients & Affiliates

Use it on iPad and iPhones.
Ideal for sales people on the road.


Other software that might be of
interest to you.

Personal Financial Builder - Try It

Personal Credit Builder - Try It

CRM Business Companion - Try It

CRM Business Lite, Plus and Ultimate - Try It

Automatic Investment Machine - Try It

Important: Go to our Master Classes on Fridays 3 PM EST at www.LMRwebinar.com

Call us and we will share with you exactly the differences
between our program and the main two competitors

Now our professional Credit Repair Software comes with CRMsync™ technology.

What is CRMsync™?

CRMsync is a technology that allows two of more computers to synchronize seamlessly unlimited data (content & documents) at different times and places so users can work at full speed without being online at all times.

The CRMsync™ technology is a must for Credit Repair Companies that want to expand their operations by having external agents that do processing, sell, telemarket, or interact with leads and prospects in any way.

All versions of our Credit Repair Software can communicate among each other and also with our line CRM Software using CRMsync™ . Affiliates, salespeople and telemarketers can take advantage of the CRMsync™ technology depending on their requirements. Cost starts at $5 per month with the CRM Companion (check www.CRURUS.com.)

See a video explaining its use by clicking here

Everything you need to launch, market and run a lucrative credit repair business:

We developed a full line of Credit Repair Software so your business won't outgrow Credit Money Machine ever

  • CMM Ultimate
  • CMM Pro Plus
  • CMM Pro
  • CMM Lite

Support & Training

In addition to our video training we provide one-on-one live personalized training for the Pro, Pro-Plus and Ultimate versions.
Training is given on the key business components (dispute processing, client and leads management and marketing) to help "guarantee" your success.

Professional Portals

Not all Portals are created equal. Our Client and Affiliate Portals will be installed on your own website for speed, security and capabilities.

Sample Portals:

Client Portal
Affiliate Portal
  • Bilingual English-Spanish
  • Integrated Referral System
  • Responsive Smartphone Portals
  • Add your own background

A website you can own

Sample sites:

Website Slyle 1
Website Slyle 2

Two slyles, your choice. Pay only $99.97 x 5 installments or get a 20% discount and pay just 1 payment of $399.97.
Includes free hosting for a year for your website and portals. (Websites can be rented too)

Solutions tailored for your specific business needs:



  • Automatic Extraction of Disputes
  • Automatic Assignment of Letters
  • Automatic Assignment of Dispute Reasons
  • Automatic Scheduling of Disputes
  • Integrated CRM Manager
  • Integrated Task Manager
  • Integrated Personal Agenda
  • Integrated Payment Reminder
  • Integrated Credit Card Analyzer
  • Integrated Debt Reduction Manager
  • Integrated Budget Center
  • Integrated Loan Amortization Center



All the features in the Lite version, plus:

  • Owners' hosted Client Portals
  • Owners' hosted Affiliate Portals
  • Integrated Telemarketing System
  • Automatic Assignment of Letters
  • Automatic Assignment of Dispute Reasons
  • Automatic Scheduling of Disputes
  • Integrated CRM Manager
  • Integrated Task Manager
  • Integrated Personal Agenda
  • Integrated Payment Reminder

Pro Plus


All the features in the Pro version, plus:

  • Integrated Invoicing System
  • Integrated Account Receivables
  • Integrated Account Payables
  • Checks / Drafts Writing
  • Bank Reconciliation
  • Charge of Credit Cards
  • Integrated E-Mail System
  • Integrated Auto-Responder
  • Financial Desktop
  • Parsing System(data extraction)
  • Much more....



All the features in the Pro Plus version, plus:

  • Articles Manager
  • External AutoResponder Interaction
  • Extraction of Free Leads
  • Competitors Analyzer
  • Keywords Analyzer
  • Tracking of Marketing Campaigns
  • Integrated Survey System
  • Twitter Scheduler
  • One-Click Web Store
  • Websites Manager
  • 100+ more features....

Advantages of using Credit Money Machine:

Web-Based vs

  • Very slow
  • Expensive (rent forever)
  • Limited features
  • Software & Portal in control of vendor
  • Sensitive data in vendor's hands
  • Risk of data loss
  • Very fast
  • Inexpensive (you can own it)
  • Feature rich
  • Software & Portal under your control
  • Sensitive data secured on your own computer
  • Integrated backup system

Free Credit Repair Tips & Tricks

Why Credit Money Machine is Better

  • More profitable because it has all the areas your business must have in one place

  • Does in seconds what others do in hours

  • You can own it as opposed to online ones

  • Resides secured in your computer not online

  • Extracts disputes automatically

  • Find deletions on next months automatically
Today is: 10/20/2014 1.6 Billion usernames and passwords were stolen. Are you or your clients in this group?
These days the FTC (www.FTP.gov) is checking on Credit Repair Companies on many compliance aspects that you may not be aware of.

You receive sensitive information from your clients in trust (Social Security, Drivers License, W-2, Date of Birth, Passwords, etc.)

When you put that information in somebody else's hands, like when you use a web-based software, you are violating this trust and possibly creating a huge liability for you and your company.

Even if you put in your contract, it would be rare that your client has read it and understand the consequences, therefore, unless you make them initialize that particular paragraph you could be creating a future issue.

Imagine, for example, that the company you send your client's sensitive information is hacked or simply assaulted by a disgruntled employee, in this case you could be responsible for the use and consequences derived from the use of that privilege information.

When you maintain your client's data under your control, like in your own computer, you reduce greatly the possibility of such data being stolen and used by an undesirable party.

Recentrly 1.6 Billion usernames and passwords were stolen (see the news here ) your clients could be part of this group and you could be responsible for the consequences.

This website contains articles on many legal topics; however, no warranty whatsoever is made that any of the articles are accurate. There is absolutely no assurance that any statement contained in an article touching on legal matters is true, correct or precise. Law varies from place to place and it evolves over time sometimes quite quickly. Even if a statement made about the law is accurate, it may only be accurate in the jurisdiction of the person posting the information; as well, the law may have changed, been modified or overturned by subsequent development since the entry was made on this website.

The legal information provided on this website is, at best, of a general nature and cannot substitute for the advice of a licensed professional, i.e., by a competent authority with specialised knowledge who can apply it to the particular circumstances of your case. Please contact a local bar association, law society or similar association of jurists in your legal jurisdiction to obtain a referral to a competent legal professional if you do not have other means of contacting an attorney-at-law, lawyer, civil law notary, barrister or solicitor.

Neither the individual contributors, system operators, developers, nor sponsors of this website nor anyone else connected to it can take any responsibility for the results or consequences of any attempt to use or adopt any of the information or disinformation presented on this website.

Nothing on this website, should be construed as an attempt to offer or render a legal opinion or otherwise engage in the practice of law.
Today is: 10/20/2014 Are you using the "completeness" requirement in FCRA?

Under the Fair Credit Reporting Act disputes can be generated based on being incomplete. It could be based on the incompleteness of the credit report, against the credit reporting agency and perhaps even the lender as a furnisher.

Section 1681s-2 of 15 USC refers to a furnisher s duty to correct and update information and refers to completeness of information as a requirement.

So if the lender is making regular reports to CRAs, it has this obligation. Unfortunately, the remedy provisions seem to limit enforcement to public enforcement, such as by an Attorney General. But if this is a pattern or practice, there might an AG interested. See 1681s-2(c) and (d) and 1681s.

When disputing, the action against the CRA could be based on section 1681i, requiring CRAs to investigate when a consumer disputes completeness or accuracy of information. Many factors can be covered by completeness undefined the report is incomplete. The CRA has to reinvestigate and then correct the report. If it failed to do so, there could be remedies. Against the CRA, there are direct remedies, including punitive damages for willful noncompliance. Even negligent noncompliance carries actual damages and attorney s fees. See 1681n and 1681o.

When a client has a bankruptcy here is remedy: Understanding if there is a violation of the discharge injunction. In section 524(j)(2) and (3) of the Bankruptcy code. In these paragraphs says the creditor s action must be in the ordinary course of business and limited to seeking or obtaining periodic payments. If they are obtaining periodic payments from the consumer and refusing to report them correctly in the credit report and do so in the ordinary course of business is a violation of the discharge injunction. It is a punitive behavior designed to interfere with the fresh start. Disputing on these causes have resulted in some removals.

Please note: If you are a non member without a paid subscription. This is the last of the emails updates you will received.


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