RL Kramer has been in the credit repair business for 37 years. RL Kramer personally handles all accounts to ensure that all customers benefit from his expertise. Along with credit repair, RL Kramer also offers credit coaching and has blog posts focused on the importance of good credit as well as tips on how to build up credit scores.

Rank Chart
Monthly Price
Company Rating


$79.95 -119.95







The Good

  • Coaching sessions
  • Personal care
  • Money-back guarantee

Coaching Session

Every customer who signs up with RL Kramer receives a one-on-one coaching session. During this coaching session RL Kramer personally coaches clients on advanced credit and strategies. The goal is to help clients maximize their potential credit scores and live balanced financial lifestyles. RL Kramer also has an open forum for customers to ask any questions in regards to credit and finances.

Personal Care

RL Kramer personally monitors the progress of your credit repair and uses his expertise to optimize results. Customers are able to view all of their credit scores through the personalized portal and see the progress of items being disputed. This portal allows customers to be updated frequently on the progress of their credit repair. RL Kramer is confident enough in his services that he offers a 100 percent money back guarantee after 120 days. If a customer is not satisfied with the services, all money spent on monthly service fees will be refunded.

The Bad

  • Limited plans
  • Lack of published results
  • Availability

Limited Plans

RL Kramer only offers one package, the Credit Repair Pro program for $127 monthly with an additional initial fee of $70. Depending on the needs of the customer, the price of this program could be costly when compared to competitors programs. Other credit repair companies offer different packages to tailor to credit repair needs.

Published Results

RL Kramer does not offer any published results on their website. Published results aids customers in their decision making process. Published results can show what an average customer’s experience with the company is and that the program is worth the investment and time. Published results can also give potential customers much needed information like how long it will take to see results, and what kind of results are possible.


RL Kramer is only available in 17 states currently. This limits the reach to potential customers.

The Bottom Line

RL Kramer offers some personal care and monitoring for their customers. They also offer coaching and counseling which is great for a customer’s financial education. But RL Kramer is only offered in 17 states, does not have published results of their customers success rates and does not rate well with the BBB. It is recommended that any potential customers research their options before choosing to repair their credit with RL Kramer.

Frequently Asked Questions

How much does RL Kramer services cost?

RL Kramer offers one plan, the Credit Repair Pro program which costs $127 monthly. The first month has an additional $70 initial fee.

Does RL Kramer allow me to enroll more than one person or my whole family?

At this time RL Kramer only enrolls individuals. However, RL Kramer does offer individual and couples financial coaching. If a couple is enrolled in this coaching plan, they receive 6 months free enrollment in the Credit Repair Pro program.

How does RL Kramer repair my credit?

RL Kramer can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. RL Kramer cannot remove negative items that are 100% accurate and free from error.

  • Credit Inquiries
  • Late Payments
  • Collection Accounts
  • Liens
  • Repossessions
  • Charge Offs
  • Bankruptcies

How long will it take before I start to see results with RL Kramer?

You should expect to see results within 120 days. RL Kramer offers a 120 day 100% money back guarantee for clients who are not satisfied with the services rendered. This money back guarantee is applied to any monthly service fees.

How can I contact RL Kramer?

Phone: (406)730-7989
Fax: (866)352-2595
Email: [email protected]
Office Hours: Monday-Friday 9:00 am – 6:00 pm MST

More Information

Price Breakdown

Credit Repair Pro- Initial Fee $70, $127 monthly

  • Monitoring- RL Kramer personally monitors and reviews your progress.
  • Portal- Each customer is given a personal credit portal to view their three current credit scores and all of the items being disputed as well as the progress being made.
  • Ask Richard Anything- a private forum for members to ask Richard Kramer any questions you may have.

How It Works

Step #1: Signup
When you sign up with RL Kramer, your credit reports will be analyzed. After the initial analysis, the RL Kramer will identify the items that need to be disputed. He will then prepare a plan to help you receive your optimal credit score.

Step #2: Dispute
After identifying the items and preparing a plan, RL Kramer will begin drawing up the needed documents and work directly with the credit bureaus on your behalf. RL Kramer focuses on removing the items that are inaccurate and negatively impacting your credit. RL Kramer will stay in contact with the credit bureaus throughout the process.

Step #3: Results
Results can be seen with 120 days or RL Kramer guarantees your money back. You can ask questions and receive consulting. RL Kramer will continue to repeat the dispute process until your credit score is optimal. Customers will be updated with progress and results.

What to Expect when Signing up

1. You start at the home page and click the orange Get Started button.
2. A new page loads and gives you some information about the program as well as the guarantee. RL Kramer also offers a special bonus offer of a one-on-one coaching session. Read the FTC disclosure and click the box at the bottom.
3. Fill in the form with your email, first name, and last name.
4. Read the disclosure and fill in the next form with your billing information.
5. When you have finished filling out the form click the blue Complete Signup button. After you have submitted your form you should receive an email and eventually a call from RL Kramer.

What can be removed?

RL Kramer can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. RL Kramer cannot remove negative items that are 100% accurate and free from error.

  • Credit Inquiries
  • Late Payments
  • Collection Accounts
  • Tax Liens
  • Repossessions
  • Judgements

Published Results

RL Kramer does not provide any published results at this time. Credit repair companies often include published results to show how their services have helped improve their customer’s credit scores. By publishing these results potential customers can see the average success of current and past clients. Note that not publishing these results does not reflect positively or negatively on RL Kramer, but should be considered by potential clients who are researching credit repair companies.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

No RL Kramer Credit Repair Pro Reviews

1. Select Your Rating:


2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*


There are currently no reviews .