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

For our Master Class Videos go to www.LMRwebinar.com


If you are frustrated with your current Credit Repair Software
call me at (954) 568-7153 and I will tell what you can do
to multiply your income with minimum effort.

To be able to work with Credit Check Total be sure to download the lastest version

Convert your Credit Repair Company into a money-making machine with Credit Money Machine.

We have NEW PORTALS with new look and three languages English, Spanish and Polish (View New Portal)

Do you know that you can and should use Credit Money Machine to manage your other businesses because of its financial and marketing capabilities?

Don't create a potential liability for you and your business by using software that is in-the-cloud, be smart and use Credit Money Machine and maintain your client's data secured in your computer.

The most important thing is clients. CMM has an integrated and complete system to manager unlimited clients.

Additionally, if you want to OUT-SOURCE YOUR WORK TO OTHERS or want out-source your sevices to your own clients we have special capabilities to control the round and the ability to post the client portals directly inside your clients' websites (this is a most for any professional out-sourcer) Call us at (954) 568-7153 to know about these special features.

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

What is CRMsync™? (Do you want to work on the road?)

What is CRMsync™? (Do you want to work on the road?) CRMsync is a technology that allows two of more computers to synchronize seamlessly unlimited data (clients, leads, documents, tasks, disputes, etc.) 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 $10 per month with the CRM Companion (check www.CRMCompanion.com.)

See a Synchronization v. Real-time comparison between CRMsync™ and a Network Seat License by clicking here

New QUICK MENU that makes an expert out of you from day one. All options are in plain view

New QUICK MENU that makes an expert out of you from day one. All options are in plain view

New QUICK CREDIT REPAIR WORKFLOW to simplify your business to THREE simple steps

New QUICK CREDIT REPAIR WORKFLOW to simplify your business to FOUR simple steps


Reduce the number of employees.

One employee using Credit Money Machine does the work of five to ten employees because your whole business is controlled inside Credit Money Machine and because Credit Money Machine does in seconds what others take hours to do. Don't fire your employees, just relocate them to more productive areas in your company.

Maintain the communication with your clients in one place.

Instead of having e-mails all over the place among different computers, like when using gmail, outlook, etc. , now you will have all the communication back and forth with your clients under one roof and selectable with one click. Credit Money Machine has a world-class E-mail System (to send and receive) and with data merging capabilities, encryption, and much more, that is integrated in many areas of the program.

Save money by handling your marketing inside Credit Money Machine

Credit Money Machine has integrated many marketing tools that you can use to get clients from day one. Among them, an Affiliate Lead Finder, an integrated Telemarketing System, a Postcard Creator and an integrated Auto-Responder

Process your payments faster and don't pay extra charges.

While other software companies charge you extra and use third party software to process your client's credit cards, Credit Money Machine Pro Plus lets you charge credit cards at no additional cost (just use your merchant account) with its integrated recurrent credit card system. Also, CMM integrates with ACH checks (electronic checks) and even you can charge your clients by printing your own Check Drafts, at zero cost, and deposit them into your bank without your client's signature.

Prevent potential liabilities for you and your company.

Since Credit Money Machine is Windows´┐Ż software, the sensitive data of your clients is protected and secured under password inside your computer. When you put the sensitive information of your clients (social security, Driver's License, Date of Birth, etc) in a third party software without your client's consent, like is the case with online software, you are creating a potential liability for you and your company.

Start small, grow large in one continuous motion.

Many people start with an over-simplistic software (usually online), only to realize, that at soon as they grow a little, they have many needs that were not talking into account at the beginning. The bad news is that those over-simplistic software don't have considered the capabilities that a real company needs to grow and that you don't know when you start, they are limited in the number of clients, space and must-needed capabilities. Then, in a while, you must change software losing time and money. Credit Money Machine has user levels so you can start as novice with zero knowledge and still perform as a professional thanks to our automatic capabilities, but as soon as you require more features, you will gladly discover that all the tools that your business needs are right up at your fingertips. Grow to a million clients (or leads) if you want and Credit Money Machine will be able to handle them all.

Make it pleasant, safe and legal for your clients and affiliates.

Credit Money Machine Pro Plus comes with Client and Affiliate Portals that reside inside your own website for speed, security and capabilities. They are trilingual (English, Spanish and Polish) plus they are ultra-fast since each client has its own database and they don't contain any sensitive information for an ultra-secure environment, as opposed to in-the-cloud software where the portals are in the hands of the vendor, they are slow because the software is shared among all their clients plus the security of your clients depends on the security of the vendor and not on yours. Also, with Credit Money Machine, your clients can report to you what disputes they want to address and why for a complete legal environment.

Process more clients, faster.

Credit Money Machine can extract disputes from 15 credit type of reports, like Credit Check Total, ScoreSense, Identity IQ, Wells Fargo and many more, but it does not only extract the Creditors and Account number, it also assigns automatically, the Dispute Type (Judgment, Charge-off, Collections, Late Payments, etc.), assigns the Letter to use automatically, the Dispute Reason and even schedule the disputes to avoid a potential frivolous dispute answer from the Credit Bureaus. All this in seconds, not hours. Additionally, it can select all disputes to print from all clients with one click in one second and just another click to print them so you can reduce days to minutes when compared to other software.

Your affiliates will love you.

Credit Money Machine has an integrated commission system with unlimited levels. This means that not only you can control all your affiliates from inside the program but also create payables and eventually prints the checks to pay for them inside Credit Money Machine. It is a complete and comprehensive affiliate management, reporting and payment system.

Save time, money and get more clients doing your dripping campaigns in-house.

Dripping Campaigns are a form of automatic follow up, also known as auto-responders, used by several professional companies like Aweber, GetReponse, etc. Credit Money Machine has an integrated Auto-Responder System. CMM's Auto-Responder is even more flexible than other specialized systems, but most importantly, it's right within the software. So, you can promote your company and follow up automatically with prospects clients and affiliates with just a couple of clicks for an almost unfair advantage. Don't skim yourself of this fantastic tool.

Grow your company by leaps and bounds by offering your services to others.

Also know as out-sourcing, Credit Money Machine has special features whether you want to out-source to others or better yet, if you want to offer out-sourcing services to others. First, Credit Money Machine can send / receive a full set of client data from compatible software so others would be able to send you clients with a couple of clicks. Then, Credit Money Machine has a full set of tools to control and report to the sender party the rounds made in an out-sourcing process. This technique alone can multiply your revenue many times over with ease (available only in the Ultimate version.)

Eliminate complains from clients even if you don't delete their disputes.

Credit Money Machine maintains a full history of disputes in the Client Portal, so at least, you can show effort in case that you haven't been successful in your deletion intent. This technique, only available in Credit Money Machine (like most others capabilities) will increase your reputation as a professional and honest company, getting your more word-of-mouth clients that anything else.

Be proud of your company, show your best face to the world.

Everybody knows that a website is your business card to the world. Credit Money Machine offers two, professionally designed, websites that you can purchase and be yours forever. They have integrated editors for easy change of content and the forms will go into Credit Money Machine, creating new clients and populating their fields automatically. See samples at www.click111.com and www.click112.com

Work less, reduce time, show your clients how efficient you are.

Credit Money Machine has a unique Multi-Task-Multi-Schedule-One-Click Task Manager that can set a series of tasks for one or many clients and prospects with one click. For example, let's say that when you get a new client you want to set for him a few tasks: in day 0 you want to end a welcome email, in 3 days you want to make a scripted phone call, the next day (day 4) you want to send a contract and 3 days later (day 7) you want to call the client if the contract was not received. Credit Money Machine can create all these tasks at different days and linked them not only to the client (of course) but also to the email to send, the phone script, the contract, etc all that with one click.

Take advantage of our expertise and take your company to the next level.

As explained before, Credit Money Machine capabilities are the result of many years of development. (almost 30 years) and we assure you that all those features are there for a reason, and that is, to grow your company faster, leaner and more robust than with any other software. That's our solemn promise.

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

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 and be yours forever.

  • Resides secured in your computer not online

  • Extracts disputes automatically

  • Find deletions on next months automatically.

  • Special Out-Sourcing Capabilities (can post your client portals inside your client's website)
    Inquire about this special feature to understand its benefits
Today is: 10/13/2015 Do you have authorization from your clients to give their sensitive information to other parties?
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: 10/13/2015 Additional Credit Score Models

Did you know that there are other Additional Credit Score Models lenders use everyday?

Transaction Scores model such as TRIAD is used by lenders to alert them to changes in customer behavior as transactions occur e.g. how consumers use their credit card or credit limits. As you are aware, traditional scoring systems only reflect customer activity as a summary of transactions over a period of time.

However transaction scoring analyzes account activity more frequently, enabling lenders to identify and address areas of concern faster.

Why is this important? As a credit consultant, your job is to understand credit scoring models to better assist your clients. If you have a client who doing a lot of spending at one time it could affect their credit score drastically if a lending decide to reduce their credit limits.

Banks goal is to minimize their loss exposure e.g. credit and fraud risk and they are applying any risk management system to assist them with this effort. Therefore with a transaction score model, it gives them more data to make quicker decisions. This is why consumer credit limits are being reduced, thus affecting utilization ratio-resulting in lower scores.


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