I have seen and heard a lot of things about credit repair services and I can only go by my experience. In all my years as an adult, I have never really learned anything from the multiple credit services that I connected with, it was always about money and even still after I paid, I didnt learn anything of value. But since I have been working with Ray and his team, I have learned soooooooo much. Been with him for a couple years now, and my credit is now close to 750. I had 2 little secured credit cards when I started and now those cards are gone and I now have 8 personal credit cards and one Amex Business Gold. Honestly, it's not just what Ray can do for us, it's how we manage our credit, discipline our selves, pay by due dates, knowing when each card reports to the bureaus, etc, etc, etc......and its really not easy!!!! and Ray spends hours and hours teaching us the basic fundamentals of good credit along with building corporate credit as well if we want. I see people writing stuff that's not nice about Ray but we honestly have to do our part and so what if we have to pay (is he supposed to hand wisdom over for free? NO!) .....learning how to be patient.....listen to his LIVE workshops over and over is what we are SUPPOSED TO DO if we want to learn!!!!!! This world is so microwave and wants things immediately when thats not what he is trying to teach us!! Im learning that this is not an overnight process. Ray says the mind needs to hear something over and over to change. And that's so true because im a Therapist and in order to change a behavior, we have to recondition our mind which takes time. We have bad credit because we don't have the discipline to keep our credit in good standing!! So changing my behavior concerning my credit has been a job within itself. I also have a Corporation now and a Non-profit that's growing as well. I especially want to thank Ray for the FREE entry to his 3 day summit AND working with me with other classes as well as being a part of his Express Credit program. I look forward to learning more and partnering with him for Auto Income and I plan on supporting his company because I truly see how he supports us!! I'm Grateful! Thank you Ray!! Thank you Santos!! And thank you Brandy!!! And Nicholas!! The teamwork is Dynamic!!!! I truly understand that im a part of something big that will definitely change the world!!! From TiTwan. read more

Absolute scam. Extremely Unprofessional and Aggressive Marketing Tactics I've been receiving daily spam calls from Ray Reynolds Financial, which has become incredibly frustrating. Despite requesting to be removed from their contact list, the calls continue, which speaks volumes about their disregard for customer preferences. On top of that, I've come across numerous negative reviews from others who have shared similar experiences, with many highlighting concerns that the company is taking advantage of people financially. The pressure tactics and aggressive sales methods leave a lot to be desired in terms of professionalism and integrity. I urge others to report them to the FCC too for failing to comply with spam and harassment laws. It's important that companies like this are held accountable for their behavior. I strongly advise against engaging with this company. read more

Ray and has team has completely changed my life and helped my business tremendously. My credit was mid 400s and now high 600s. His team has got me a personal and business unlimited AMEX. A lot of people slander his name. These are the people who blame everyone else for their mistakes and take zero accountability for being sheep who can follow elementary instructions. Ray and his team are truly a blessing. read more

Ray Reynolds has an amazing, powerful and priceless knowledge when it comes to personal and business credit. His 45+ years of experience is just unquestionable. He's got an answer for you for every financial issue you could have. He's going to change your life forever because his focus based on his personal struggles, is "NEVER BRING THE PAIN HOME." I will recommend him 101% No doubt about it! read more

One year ago my credit was not good at all. NOW..I am cruising over 7xx and other doors are opening up.. rapidly. If you serious, motivated and focused this is for you! Okay so no joke no gimmicks Mr Reynolds and it's amazing staff or real and will help you get to Higher Ground. I can't thank him enough. read more

Ray is an intelligent man He has a wealth of knowledge to keep wealth He is not for everyone, but who is ? If you want to learn about maintaining success Check out the YouTube channel for reels and videos You owe it to yourself You might get yourself out of debt And access the American Dream read more

The journey with this organization has been exciting, challenging and SO WORTH it I would highly Recommend this to anyone who is looking to build Personal or future business The journey for me is not over and not easy but Definitely worth EVERY single step James read more

Getting my entire life together after being a "duck" for 15+ years! Ray and his team i are consistent. I'm in early my stages but I can see it and believe it now so it's time to go get it! Thank you! read more

My credit is still going up! I've had 5 collections removed and started with 430! Good job guys! Ray has helped me have financial independence and has given me the rules and tools to be successful! read more

great life changing service!! I am a new customer but everything Mr. Reynolds says is true in regards to personal and business credit. It will change your view of money and change your life!! read more

Through the guidance of Ray Reynolds we have been able to scale the business with not only funding but with structure. Thanks read more

Amazing programs to get you to success in your personal and business life. I wish I would have found him years ago.

Ray is passionately helping people align and realign their goals with their purpose to achieve their dreams.

Learning to become a CFO. Ray and his team are amazing! Thank you for what you are doing!