Ray Reynolds Credit Repair Reviews

Ray Reynolds Credit Repair is a service by corporate consultant Ray Reynolds, who has developed an extensive product line.

Through the Ray Reynolds Plan and the Ray Reynolds University he teaches entrepreneurs the advantages of setting up corporations.

His products are designed to guide customers through the maze of legal documents and tax deduction strategies.  

Ray Reynolds claims that if followed correctly his methods can help customers protect their assists, secure corporate credit, rebuild credit, and purchase discounted goods.

If you have any experience with Ray Reynolds Credit Repair, please leave your reviews below.

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Ray Reynolds Credit Repair Customer Reviews

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October 9, 2022

They are scammers, don’t fall for this program.

I have told them REPEATEDLY - NOT to call me
November 30, 2019

I have told them REPEATEDLY not to call me

Do Not pay for any service Ray Reynolds claims too provide
September 21, 2019

I will make this short. Anything that Has Ray Reynolds attached to it with respect too paying The Givings Day Foundation any money, this is the short part, DONT DO IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Major League Rip OFF.

You are treated well during the first 6 months, Team Ray know the credit card company used to purchase one of his programs will lock the money if there is a chargeback. Ironically nothing is done during those 6 months because of the fear Team Ray has that this may happen.

After the 6 months I noticed much different attitude from different departments ,mainly the leave messages or not because VM is full no replies to email messages.

Hopefully this deters you from entering one of his fraudulent contracts.

Ray Reynolds Scam King
May 16, 2019

Looking for people who have been scammed by Ray Reynolds.

Call them and tell them your story. My story is just like the ones listed above. He needs to be put out of business, call Morgan and Morgan and tell them how they took your money, like he took mine.

1-855-300-4459. We can file a class action and get him.

December 1, 2018
Ray Reynolds that has 20 ALIASES he said With The Giving Days Foundation

JudieCollins January 20, 2019

And........??? Having aliases makes his teachings a scam artist?

JudieCollins January 20, 2019

And.........??? Having aliases makes his teachings a scam? How so? I have an asset protection person who teaches much of the same which has saved me thousands of dollars in taxes, protect my assets during difficult times. Ray Reynolds is like my asset guy on steroids, but I've seen nothing that makes his teachings a scam. Heck, I've had attorneys tell me aliases are good to have.

DavidP March 28, 2019

these criminals ray reynolds / dana ray reynolds

DavidP March 28, 2019

these criminals ray reynolds / dana ray reynolds

February 26, 2016

Ironically,. I've met 6 ( Six ) extremely Intelligent Individuals whom attended, and or , worked adjacent to Ray Reynolds ! With that said, the information which I learned from these particular people surpasses : PRICELE$$ .

It seems the " Ray Reynolds Seminars " are in fact -----NEUTRAL. Meaning, that the data and information acquired via the sessions is extremely relevant, valuable, valid, and appreciated; unfortunately, many of those in attendance do not utilize the material wisely; sadly, all of those which I met, are not exemplifying their knowledge, as they should be Billionaires, and are not------light-years from it !

Therefore, I conclude, that one must take responsibility for any and all Business Information presented to them , as it must be researched and evaluated to test legality; timeliness; success rate; and experiences. Otherwise, one's time , energy, and money is wasted------and, one can certainly not fault Ray Reynolds nor anyone else for any shortcomings; because, one's only true success, is determined by wiping one's own A$$, and creating one's own PA$$ !!! #ThisIsASelfServePlanet

- Traci

DavidP March 28, 2019

these criminals ray reynolds / dana ray reynolds

September 14, 2012
I also used to work for Ray Reynolds, at O.B.I. Inc., Repacking America, etc. etc. The corporations that he claims he opened for each of his 4 daughters on the days they were born, I opened for him in 1997. Everything he says is a lie. Save your money, cause he's just going to take it and you're not going to get anything in return.

CREDIT ENFORCER October 18, 2016

I wish I never stated any business with these people! Once they get your money, they don't do any follow ups, and they don't keep a real file on you, and you have to force them to keep up with your work, and each time you talk with them, they aways move the damn time line further away, from the specific time you're guaranteed to get the the credit, and I have great credit and still they can't even give me back a call! Why? Because there's no real goal, they just to take your money, and have you to believe somehow it's something you may have or could did wrong est!. But, have a real surprise coming for them. And that's I no how to file a tax grievance with the (IRS), and they will force a major tax investigation upon all party of interest for 5 to 7,- and they will get my money back, plus the interest penalty I will charge, and someone will go back to jail!

September 3, 2012

Attended numerous presentations by Ray. Thought he was sharp, he wasn't the first person that I had heard deliver the asset protection message. I would suggest before you demonize Ray you read The Federal Mafia"", and see the YouTube video ""Ex-IRS Agent tells it like it is"" as well as research the case of Whitey Harrell. Ray surprised me with his arrogance, it was unnecessary when you know your stuff. He cussed out one woman at the end of the presentation, when a woman asked a question at the end of the presentation as the room was emptying out. He spoke in a disrespectful manner to woman old enough to be his mother when she asked if she could give him deposit and bring the rest to the training. It upset me to the point I wanted to put my hands on him. I think his engineer saw the look on my face and engaged me in conversation to diffuse what he perceived.

I remembered that he mentioned some record he achieved in the martial arts, but I too had not only 2 Black Belts...I had over 30 years in the arts most of them as an instructor.

There were two separate occasions when someone interrupted a conversation I was having with another guest as if I was going to convince her to buy from me. On the alternate incident someone followed us to the side walk outside the hotel and asked if we had received a business card from a gentleman who represented another corporate consultant organization.

I thought wow, if your stuff is that good why would you have to chase people down as if they were not free to choose whom they wanted to work with.

Trained as a Paralegal [Century Business College, Los Angeles] I drafted my own Articles and formed an entity on my own. I did not have to charge as much as he would have, though I did not have the overhead either.

When I attended a presentation at his headquarters in Anaheim, he became sarcastic when I asked a question that he misunderstood. I asked him could he teach how to acquired a co-branded credit card and he said he told us he could show us how to get a corporate card and said something about stupidity or some crack. When I asked the people sitting behind me did they understand what I had asked and they thought he was being his usual obnoxious self and shared with me after the meeting some things they had experienced...they were spending money with him and were holding out to get their results so they could be done with him.

Karma is a ""B"" at the end of the day. Maybe he will have found the discipline the arts were supposed to have taught him. And maybe he can apologize to his family because he Brought The PAIN HOME - and his commercials and presentations said that the reason why you form a corporation is to avoid bringing the pain home.

The information is out there so do your own research. Nolo Press has good material as does Made E-Z [extremely easy to understand] and there are other sources (especially in LA's Central 'Downtown' Library)

God Bless You All and much success to aspiring and active entrepreneurs."

JudieCollins January 20, 2019

Setting up a business entity isn't difficult, as I've done many. But setting it up anldhandling it correctly are two different things. I don't need him to set things up, but I do like his advice on never doing business from the actual corporation but rather from the divisions. Those kinds of tidbits are valuable. His demeanor may not get him into politics, but then I'm not looking for a smooth talker. I'm looking for a bit of guidance and so far I've gotten that.

May 1, 2012

I haven't started this program with ray reynolds. I had gone to the seminar and it definitely looked too iffy.. but luckily i checked out these reviews..

Thanks.. for saving me money and time wasted

JudieCollins January 20, 2019

Check things out for yourself. Do your due diligence. He's got a lot of great info he's sharing, just be wise in how you proceed forward and don't throw the baby out with the bath water.

April 6, 2012

I use to work at Ray Reynolds seminars before I really know what he was really doing and I left as soon as I found out.

Ray Reynolds sold his services under Repackaging America, Incorporating You and Ray Reynolds & Associates. Not sure what he is going by now days but you really do not need his services.

You can get incorporated any were or even do it your self by contacting the Secretary of State in your state to find out how to setup a corporation, and he does not have any secret methods to getting financing under a corporation. The truth is that its easy to get started with vendors and retailers under a corporate business entity. Some will require a personal guarantee and some will not. Just start going to your favorite suppliers and retailers and ask for a commercial or business credit application and read it. Look at who the underwriter is and contact them to find out what the lending criteria is. A lot of the smaller suppliers do their own financing.

If you do not want to guarantee ask the vendor what criteria you need to meet so that you do not have to personal guarantee. Some times its a security deposit, sometimes it's as simple as being in business for a minimum of 2 years, sometimes its just the fact your a corporate entity.

With the larger vendors everything may just be automated and know one will know what the lending criteria is so just do not apply to these companies if you run in to that situation until you have established other credit lines with other vendors.

When it comes to cash loans and credit cards you have to have good personal credit no matter how good of a pitch you hear that says you do not. There are a very few finance companies that will offer your a cash credit line just based off the companies financials and you can not directly apply to them. They pull business credit reports and invite companies that meet their lending criteria to apply.

The key thing with business or corporate credit is just use common sense and that you should only apply for what your company needs for operations and cash flow. If you have bad personal credit you will have a hard time getting a business loan or credit card and a corporation is not a legitimate substitute or work around for having bad personal credit the way Ray Reynolds presents it as.

I hope this helps get you started in the right direction.

Mind o December 18, 2012

So you are where you started right and ripped off education that you learned from Ray!

JudieCollins January 20, 2019

Starting a business entity and running it so it succeeds are two very different things. Ray gives a lot of info away for free, some of which has helped me a great deal. Starting an entity is easy....... but do you know how different it is to actually operate an entity, say, in CA compared to WY? HUGE difference. Common sense does not teach you this stuff and as they say, the devil is in the details!

April 1, 2012

Since these corporations that he wants you to set up have no income, you are basically making purchases with the corporate credit that you obtain when you set up the corporation. So when the first corporation has used up all its credit you use a second corporation's credit to pay off the first corporations debt. You do this with additional corporations over and over again.

It's called daisy chaining""

It's kind of like using one credit card #1 to pay off credit card # 2 and then credit #3 to pay off #2.

At some point it will all implode but with corporations you can just declare bankruptcy"

JudieCollins January 20, 2019

LOL..... yes, unfortunately your organization needs to generate income. Gee, what a concept.

December 15, 2011
I worked for him! Invest your money elsewhere! I know what goes on behind the seminars and workshops! It is a lot of nothing! He talks about all of the nice things corporate credit has gotten him, but really, it's the thousands of innocent hopeful corporation owners money that he has scammed! If you plan to do business with him, have a lawyer there to back you up yours and his every move, be proactive, and on top of him and his staff every day! That is he only way you even have a chance at seeing results! Basically.... They will scam you if they can! And beware... He is a smooth talker, will convince even the most educated that this is a good investment!

JudieCollins January 20, 2019

But as in everything in business and life it's 'buyer beware'. Some things are worth the price and some things aren't. I've already learned a few tidbits that have helped me tremendously and I haven't paid a dime.

November 10, 2011

I am

a business credit consultant i did attend ray reynolds university ray is very smart man with a lot of knowledge but be careful he does lie a lot I took what was good and legal I could help people for so much less than what he charged me.

Mr c December 18, 2012

You sound like you don't know what you are doing otherwise you would not be searching but I bet you are using what Ray knew.

DavidP March 28, 2019

these criminals ray reynolds / dana ray reynolds

July 28, 2011
He charges for many things he never delivers, gives out of date workbooks, spends an unbelievable amount of time talking about his cars, boats, etc. and how he is the smartest guy I know"". And, oh yeah, smart guy was just released from federal prison after pleading guilty to tax evasion using the very same techniques he espouses in his ""courses""."

July 14, 2011
I bought Ray's programs from Repackaging America. Although, I didn't finish the program, which was really my own fault, everything I did do went according to plan. I set up 3 corporations,a dun & bradstreet file, was learning to keep corporate records, etc. It all was a real challenge and you had to stay committed and on top of Ray's Company. Everyone I knew was advancing as planned. Ray was the most knowledgeable teacher I have ever met and I've met a lot. If Ray did anything I appears he violated his own rule. Never co-mingle business assets and money with personal expenses, that's a no-no! I would still use Ray Reynolds as a mentor today.

March 18, 2011
I'm surprised that there isn't more people or news channels on people like Ray. They should investigate all of these people that have some kind of product to make money

Big d December 18, 2012

keep playin lotto dont hang with the big dog's!

March 15, 2011

all these people here don't have anything better to do, but to complaint about others without the facts.

good luck

Al t December 19, 2012

It sounds like they for the most part have an opinion and most have been jilted, which i want to hear about. You might want to read a few more, then you will have the facts.

William R September 18, 2013

That's the truth, I wish I would have read these reviews before I spint my money.

Too many times we jump into something before we should. Thanks

January 19, 2011
I paid $750.00 for Articles of Incorporation when I never needed an INC in the first place, I needed a LLC. Everyone told me that but Ray Reynolds. He didn't give a cuss that I was getting the wrong package. He was just shaking me down for money. He required that I send him a deposit in the form of a credit card to get the process started. Then he independently billed my credit card for the remaining amount, created a corporation name without my approval, sent me uncompleted work and closed out my account. When I called to complain some guy name Micheal was absolutely nasty! Ray Reynolds is a sociopath. He has no conscious. His company is designed to scam.

November 3, 2010

United States Attorney's Office Press Release No. 10-151

October 20, 2010


LOS ANGELES – A man who promoted schemes to avoid the payment of federal income taxes has been sentenced to 18 months in federal prison for filing false tax returns with the Internal Revenue Service that significant'tly understated his true income.

Dana Ray Reynolds – who according to court documents previously owned houses in Yorba Linda and Huntington Beach – was sentenced Monday by United States District Court Judge A. Howard Matz. In addition to the prison term, Judge Matz ordered Reynolds to pay $193,812 in restitution to the IRS.

Reynolds, who operated Repackaging America, Inc. and Incorporating You, Inc., pleaded guilty on the eve of his trial in May to two counts of subscribing to false tax returns. According to court documents, Reynolds developed strategies to conceal assets and income through the creation of corporations. Reynolds used videotapes, seminars and written materials to market his strategies, which he promoted by highlighting his own elaborate lifestyle that he claimed was made possible by following the plans he developed.

Following his own strategies, Reynolds paid personal expenses with money he had funneled through his corporations. According to the court documents, Reynolds also placed assets – such as automobiles, recreational vehicles and at least one vacation home – in the names of the corporations. IRS investigators found evidence that Reynolds used corporate checks to pay workers, including a person hired to completely redesign his Yorba Linda home, for which he ordered a custom, $80,000 bathroom.

For the tax years 2002 and 2003, Reynolds used more than $400,000 from corporate accounts for his own personal benefit, and none of that income was reported to the IRS.

The investigation of Reynolds was conducted by IRS-Criminal Investigation’s Los Angeles Field Office.

October 28, 2009

his listing of our company was a total error. he claims how great his accomplishments are. a chimp could do what he did. we are still dealing with the govt. because of him... you would think that you would get the type of business right on the application at least! he even got that wrong!

save your money and incorporate elsewhere.

DavidP March 28, 2019

these criminals ray reynolds / dana ray reynolds