Mike Citron


Mike Citron is a credit industry veteran and a nationally recognized public speaker and author. He is the founder of DisputeSuite.com, the premier credit repair software solution for credit repair businesses. Mr. Citron has a passion for advancing the education of everyone involved in the industry. At DisputeSuite, he gets a firsthand look at some of the common problems that plague the credit repair industry. His keen eye for identifying issues and offering fast solutions, make him the “Go-To” guy for industry giants. Mike Citron consults with credit repair companies of all sizes on practice management, growth solutions, marketing, and more. He is also the author of numerous articles, publications, and recently an industry favorite book, “The Art of the Short Sale.” His common sense approach and no-nonsense attitude have allowed him to rise to the top of the industry and quickly become known as a credit repair guru.


  • Rob-Ellerman

    Robert Ellerman

    Chief Executive Officer

    Rob is a true visionary who is always operating multiple steps ahead of most. His combination of “big picture” understanding and varied hands-on experience, has allowed him to take the helm of growing software company and catapult it to the next level. He’s read more books than a librarian, which helps ensure that the business is always using the most cutting edge strategies. He’s started businesses from scratch and taken them to multi-million dollar revenue and he’s helped numerous companies develop processes and winning strategies. His employees would describe him as wise and mysterious. He wants to know one thing: “Do you MIRKU?”

  • Jason Kaplan, Esq

    Jason Kaplan, Esq.

    Graduate of Fordham University School of Law in New York, New York. Following Law School Mr. Kaplan served as an Assistant District Attorney for Kings County (Brooklyn), New York. After four years in the Kings County District Attorney office, he co-founded The Credit Pros where he serves as President and Compliance Officer. Mr. Kaplan has dedicated his life to assisting individuals with various credit and debt issues. Mr. Kaplan has lectured extensively throughout the United States to various trade and professional associations including the National Association of Responsive Credit Repair Advisors regarding credit laws, FICO Scoring methodology, mortgage underwriting standards and requirements and compliance issues. Mr. Kaplan is a Certified FICO Consultant and a sitting board member of the National Association of Credit Services Organization (NACSO).

  • Jonathan Raburn

    Jonathan Raburn

    Jonathan Raburn has been a practicing attorney since his graduation from LSU Law School and passing of the Louisiana Bar in 2003. Before becoming Consumer attorney, he was corporate counsel for an international company and was based out of their Louisiana office. His practice is now exclusive to taking on clients that have suffered violations of the Fair Credit Reporting Act and Fair Debt Collection Act. Some of his more recent FDCPA cases have involved the illegal use of the words “credit bureau” in the name of a debt collector and debt collectors refusing to remove dispute language. He is currently litigating improper reporting of Authorized user accounts, Zombie debts, and many other issues for clients throughout the United States. He currently represents clients from New Jersey to California and many of the states in between. At this time, his practice has over 150 active clients seeking help with FDCPA and FCRA violations.

    Jonathan received his undergraduate degree in Marketing from the LSU system in 2000. He enjoys attending college football in the fall with his wife and plays USTA tennis in his spare time. He also enjoys traveling with his family when his practice allows him the time.

  • Dennis McCarty

    Dennis McCarty

    Dennis McCarty is a seasoned and successful litigator with eight years of experience prosecuting consumer law cases in federal court. He founded Dennis McCarty Law to provide aggressive and effective legal representation to consumers, while maintaining empathy and compassion for his clients.

    McCarty Law focuses on federal consumer litigation with an emphasis on credit reporting and unlawful debt collection cases.

    Dennis McCarty has been principally involved in over 135 consumer law cases for the victims of illegal debt collection practices from debt collectors, pursuant to the Federal Fair Debt Collection Practices Act (FDCPA) and inaccurate credit reporting, pursuant to the Federal Fair Credit Reporting Act (FCRA).

    Dennis McCarty received his J.D. from the South Texas College of Law and has been a member of the Mississippi State Bar since 2008.

  • Nic Sementa

    Nic Sementa

    As a serial entrepreneur, Nic Sementa has co-founded a series of companies including nationally distributed college magazine Boosh, a community based artist incubator RGB Lounge, and crowd-funding consulting company, MinionWerks. With a strong background in advertising and sales, Nic has helped many companies turn small marketing budgets into breakthrough results.

    While exploring the application of Agile serving as Director of Business Development for Formula Ink, Nic began studying how the same project management techniques that make Agile so effective for software development can be applied to the creation of online marketing systems.

  • Keith Knapp

    Keith Knapp

    Keith started his journey in Credit Repair in 2009 when he founded Credit Guys. During his career with Credit Guys he built an extensive network of referral partners, including a corporate partnership with a national real estate franchise with over 850 offices across the US. In 2014 Keith sold his company to a local law firm and joined them as Director of Marketing and Business development where he was able to improve their business 50% in 3 months and almost doubled in 6 months.

    During this time he started Credit Repair Junkies, a free online community for the Credit Repair industry and has spent his time helping business as a freelance marketer. In October of 2016 Keith founded CustomMarketer.com which provides marketing services and resources for businesses across the United States.

  • Justin Cody Worden

    Justin Cody Worden

    Justin (also commonly known as Cody), is the Director of Business Development for DocuPop Student Loans. Serving as a Managing Partner and the Director of Business Development for K South Digital, Justin also provides lead gen and business relations in the Credit Repair, Debt Settlement, and Credit Counseling verticals.

    For the last 9 years, Justin has dedicated himself to assisting others with personal finance and becoming well known for his knowledge of student loans.

  • Arnita Johnson-Hall

    Arnita Johnson-Hall

    As a mother of four, a wife, but most importantly as a woman, Mrs. Arnita Johnson-Hall has made it her primary mission to “Empower” and “Engage” women to invest in themselves and to take ownership of their financial status. This goal is what inspired Arnita to create and launch an enterprise that would change the face of credit repair and management. Her Blog Website, Luxurious Credit, inspires hundreds of thousands of women across the globe. Likewise, her credit repair organization, AMB Credit Consultants, is staffed with a full team of credit care professionals with the objective of helping people obtain good credit and build generational wealth.

    Arnita Johnson-Hall’s vision is revolutionary not only because it improves the lives of others, but because it teaches them that their alternate reality is just within arm’s reach. She and her team are ready and willing to help their clients meet the challenge of big banks and bureaus without being intimidated. By spreading and sharing financial knowledge, education, and nformation, Arnita pay’s if forward.

    Born and raised in Dallas, TX, this young city girl has always dream of doing big things with her life. With a yearning to do something meaningful, she aspired to help those who could not or did not know how to help themselves in various aspects of their lives. Unconventional and nontraditional are two words that describe Arnita very well. She has a passion for people that has led
    her to own and operate one of the fastest growing credit restoration firms in the state of Texas.

    Mrs. Johnson-Hall is known and recognized for her big heart, generosity, random acts of kindness, and many extraordinary accomplishments. She is a Certified Credit Consultant, an Advocate for Consumer Credit Awareness, and a Credit Boot Camp Alumni. She’s a regular writer for the Yahoo Contributor and is also author of the well-known Ultimate Credit Repair Guide to Having Luxurious Credit. She not only wears the crown of expertise in her field, but she’s also recognized as a Business Innovator and Motivator to other credit restoration business owners and entrepreneurs in every industry, both locally and nationally.

    As if her life is not already filled with much excitement and great accomplishments, Arnita is also pursuing her Bachelor’s degree in Business Management and will be launching many more exciting new things over the next few years, which she feels will be beneficial to consumers throughout the nation.

    To interact with Arnita personally, simply connect with her on Facebook, follow her on Twitter, Instagram and/or tune in to her YouTube channel. You may also check out the Blog here at Luxurious Credit, ask Arnita credit related questions, comment on articles, and share with your friends.

  • Jesse_Rodriguez

    Jesse Rodriguez

    Hi, my name is Jesse Rodriguez, Author Of The Credit Blueprint: 5 Key Steps To Perfect Credit and lead Credit Repair Expert at Cobalt Credit. Fixing Credit isn’t a job for me, it’s my passion! I quickly realized that banks and credit bureaus DO NOT want you to have good credit. They actually make money if you have less than perfect credit. By the time you graduate my program, you will make money from the banks and credit bureaus by utilizing advanced credit techniques.

    For the past 10 years, I’ve been utilizing advanced Credit Repair techniques to help our clients reach their full credit potential. Whether you want to buy a house, finance a car or just have financial peace of mind, I can help. I was once a victim of bad credit and found that the advice online was not enough to overcome my situation. I created a proprietary system to help improve your credit report while teaching you how to re-establish your credit.

  • Jose A Rodriguez Jr

    Jose Rodriguez

    After serving as a Sergeant in the United States Marine Corps, Jose suffered from bad credit and needed to find a solution. He was able to fix his credit and help his friends & family for many years. Thus in 2010, Clean Slate Credit Solutions was founded with a one goal in mind; to help consumers live the American Dream. In 2011, he discovered the Credit Boot Camp and has been a consistent attendee ever since, accompanied with his wife Kellee and daughter Peyton. After coming to the Credit Boot Camp, in 2012 Jose realized it was best for him to leave his government job and embark on a journey to help his clients full time.

    Jose has adapted a Pay-Per-Delete business model where he only charges his clients based off of the results he gets them. This ensures that his clients know they are only being charged for the items being deleted. Mike Citron is quoted to say that “Jose is one of the people inside the [credit repair] industry that is focused the next generation of what credit repair is. He is way ahead of the curve”. Jose is also a moderator of the “Credit Repair Junkies” Facebook group where he helps other credit repair companies with tips, advice and education on how to run a successful credit repair business.


    Ari Marcus

    Ari is the managing partner of the law firm Marcus & Zelman. Since 2012, he has worked exclusively in the field of consumer law, assisting clients with Fair Debt Collection Practices Act, Telephone Consumer Protection Act and Fair Credit Reporting Act cases. Marcus & Zelman has distinguished themselves by taking on some of the more interesting and creative cases, with the goal of pushing the law more in favor of the consumer.

    Ari has worked on over 500 consumer cases since 2012 and has personally assisted in collecting over 15 million dollars in settlements and judgments for their clients. He has been appointed as class counsel in several large class actions including in an 8.5 million dollar TCPA class action settlement with iHeartMedia for robo text messages, a 1.5 million dollar pending TCPA class action settlement against a large insurance company for junk faxes, and a 350 thousand dollar FDCPA pending class action settlement against a large collection agency for unfair collection practices.

    Ari’s goal is to help educate consumers of their rights. There is nothing more rewarding to Ari than helping a consumer fight back against the wrongdoings of a corporation, and ensuring that they get the relief that they deserve.

    To learn more feel free to visit www.MarcusZelman.com

  • Dave

    Dave Frees

    Dave’s fascinating life has taken him across the globe and exposed him to master communicators, persuaders, and negotiators in hundreds of nations and across many different cultures.

    He is called upon by universities, businesses, and other agencies to teach leadership, sales and marketing, persuasion and influence, interrogation, and negotiation to audiences ranging from computer hackers turned “good guys” to entrepreneurs, and military and civilian audiences including, CEO’s and students, including Harvard, Yale, The University of Pennsylvania, Cornell, and ASU.

    His audiences have included Travelers, GE, AstraZeneca, Comcast, Aramark, and hundreds of other corporations and professional associations.

    Dave has appeared on NPR, MindTV, PBS, Fox New and on over 120 radio and television programs and has authored several books related to persuasion, influence and business. He co-authored Einstein’s Business with M. Scott Peck, Steven Covey, and many other voices of the success and personal development movement.

  • Derrick Harper

    Mr. Derrick Harper Sr.  A native of Swainsboro, GA, is an entrepreneur that has been able to successfully launch quite a few business models. With his flagship being Harper’s Trucking Co, he is also responsible for co-founding Business Brainiacs, LLC, YULA (Young Urban Leaders of America),the upcoming Saint Petersburger™, and the highly successful Point Boosters Co. ™,.

    His recent ventures are The Credit Repair University, where he mentors and teaches business owners how to become successful Credit Experts in their fields. With holding multiple degrees from technology to law, he’s always had a thirst for knowledge without the restriction on one particular field of work. In fact, those that know him can remember his days in the music industry where he even started a record label at 20 years old. But the success and the titles is not what drives him. In fact, he doesn’t even like the term CEO because he feels it restricts you to a certain position which is what he stands against. The only permanent title Mr. Harper accepts proudly is the term “Veteran”. Yes, Mr. Harper is a Proud Air Force Veteran, and has always had an insurmountable amount of love for this great country.

    In his free time, he reads, studies, and does what he can to help other companies grow and become successful. He also enjoys spending time with his family, coaching community sports, and volunteering at his kid’s schools. He is a firm believer that giving back is just as important as being successful. This is why he has become more successful as a Mentor than anything. He specializes in turning the credit repair industry into an entryway into financial success. What makes Derrick’s business model in credit repair so successful is the purpose of “The lifetime client”

  • Scott Cunningham

    Scott is an award winning global technology executive, author, and investor. Scott most recently led M&A and Partnership efforts at Salesforce backed Simplus, the fastest growing CRM Consultancy in North America.

    Scott’s introduction to credit repair came almost a decade ago selling Credit Repair Services at Lexington where he consistently was a top 3 sales agent within the company. A few years later (aka after Lexington couldn’t sue him for his non-compete) Scott managed and quickly grew myCreditCompany.com into a leader in the industry. Here he began collaborating with Mike Citron and Robert Ellerman on many initiatives. He’s consistently pushed the boundary of what is possible, and drove some industry leading, and industry changing projects….some failed, some were massive successes. After a successful exit, Scott continued his career at a number of SaaS companies.

    Now, Scott continues to be involved with and advise many global start up companies (including DisputeSuite) with a focus on the following industries: Consumer Finance, High Tech, FMCG. He also works with a number of the worlds leading brands providing consulting on their strategy (M&A, GTM, etc), and direction.

    Scott is looking forward to discussing his Credit Repair and overall business experience during his not to be missed session at this years boot camp, “Don’t Do the Same Sh*t.”

  • Michael Hendrix

    Mr. Hendrix is a partner focusing on strategic sales and business development with Fin Solutions. Fin Solutions is a new company start up out of Orange County assembling a who’swho of industry experience and third party technology providers. With years of experience inthe debt settlement and credit services markets, Mr. Hendrix understands collection mediation software as a market game changer for collection and consumer debt relief market.

    Mr. Hendrix is also responsible for strategic leadership as Co-Chairmen of Global Holding’s.Global Client Solutions, a division of Global Holdings, is the largest account management processing company in the debt settlement industry, operating since 2003. Global delivers a robust settlement engine to hundreds of companies. Mr. Hendrix has been active in the debt settlement industry for many years having leadership roles in AACC and a board member of USOBA.

    While Global Client Solutions continues to progress within the debt settlement industry, Global Holdings, under Mr. Hendrix’s leadership, has committed to diversify into multiple industries with its account processing platform. Global Holdings has an extremely versatile infrastructure to create an entrepreneurial and open processing environment. Some of Global Holdings other interests include PaySmith Processing, Trans2Pay and Payment Concepts.

    Prior to joining Global in 2003, Mr. Hendrix worked approximately 20 years in Executive Sales and Management of the telecommunications industry with companies such as Nortel and Lucent Technologies. This highly technical management background allowed Global Holdings to be an industry leader in financial processing. He and Angela, his wife of 23 years, reside in Boca Raton, Florida. Mr. Hendrix holds a Bachelors of Science in Business Administration from East Central University.

  • Donna Perkins

    Donna Perkins joined Kansas City Credit Services (KCCS) early in the 1990’s as the Sales and Operations ManagerGrew sales by over 300% and established partnerships throughout North America in two short years.
    Today, Kansas City Credit Services is a thriving business that has helped more than 100,000 families change their lives by restoring their credit profile and educating them on how to keep it that way throughout their lives.
    Her life mission is to defend consumer rights for those that have credit issues, and improve their financial lives.
    Worked with Federal, State and local governmental and consumer credit organizations for the fair and accurate reporting of consumer credit.
    Extremely knowledgeable in the application of The Fair Credit Reporting Act, Fair Debt Collection Practices Act and numerous other consumer protection laws implemented to safeguard the rights of each consumer.
    Educating the public on how to protect and rebuild their credit lives is her life!
    Vice President NACSO

  • Alex Frees

    Alex Frees

    Mr. Frees is President of CR Publishing LLC. The business focuses on creating and distributing actionable credit improvement and repair resources for the consumer as an end user. CR Publishing also serves as a resource to credit repair companies by providing profitable lead generation and sales tools.

    He also serves as President and owner of Profit Systems & Solutions LLC which provides consulting services related to sales and marketing.
    Mr. Frees graduated with departmental honors and with a B.S. degree in Business Administration and a concentration in Entrepreneurship. He authored “The Student Entrepreneur’s Guide To Building a Profitable Business” for High Point University. He is also a member of Delta Mu Delta, a business honor society.

    According to Tom Foster, CEO of Foster Web Marketing, “I own a nationwide marketing company for lawyers and doctors. I think of myself and my team as great marketers. But Alex Frees wrote one of our most successful marketing campaigns ‘on a napkin’ at lunch after a few hours of research. Be prepared to profit.”

    Alex has consulted with Dispute Suite, Foster Web Marketing, Unruh Turner Burke & Frees, and Key Financial Services Inc. among others.
    He is a frequent speaker and consultant in the areas of marketing, sales, automation, and client/customer selection, cultivation, retention, and referral. He also presents to the business students of High Point University.

  • Jeremiah Davis

    Jeremiah Davis

    Jeremiah Davis is the Business Development Partner at Capital Merchant Solutions. Jeremiah has been with CMS for nearly 15 years and has 20 years of sales expertise. He has specialized in credit repair and high risk merchant accounts for the last 10 years, and continues to have great success. He is also CEO & Founder of Davis Thorpe & Associates, his business consulting firm. He has built his reputation on doing things right the first time.

    Jeremiah has held sales and management positions with advertising agencies, retail environments, and the telecommunications companies, giving him experience-based insight into a wide range of industries. He is also a veteran of the United States Navy, honorably serving 8 years at commands around the world. Jeremiah also has Master’s Degree from Life Christian University and is a PhD candidate.

  • Gary Press

    Gary Press

    CEO of ARS, providing significant incremental revenue to large customer-based companies, by providing robust savings, financial education, and protection programs to enhance consumers’ lives.
    25 years in the advertising, marketing, and publishing industries.
    Innate talents enable him to transform environments into highly motivated, highly profitable systems and to proactively identify and resolve challenges.
    Proven track record in growing sales, controlling costs, maximizing productivity, creating new or rebuilding revenue streams, and delivering multi-million-dollar profits.
    Before ARS, was publisher of the South Florida Business Journal – division of American City Business Journals – the largest publisher of metropolitan business newsweeklies in the U.S.
    Grew advertising revenue at the SFBJ by more than 550% and profits tenfold. Winning numerous local and national editorial awards.

  • Mike Calhoun

    Mike Calhoun

    Master of Internet Systems
    Nationally recognized Technology Trainer and Online Business Marketer.
    InfoMarketer’s (BizBlueprint), the leader in online business development for small – mid size companies. Next-Generation style of Business planning, a process that is built on taking Action First and refining in phases (build-test-revise-build-more-test-more).
    His technologies and systems back some of the largest icons in the industry.
    Mike is a big believer in Google’s Concept of Small Biz is the New Big Biz and is now laser focused on localized market domination solutions.

  • Ty Crandall

    Ty Crandall

    Ty Crandall is an internationally known speaker, author, and business credit expert. With over 17 years of financial experience Ty is recognized as an authority in business credit building, business credit scoring, and business financing.

    Ty is the author of two of the bestselling books on consumer and business credit Perfect Credit and Business Credit Decoded and has written hundreds of published articles relating to business credit. Ty is also often heard being interviewed on countless radio and TV programs and news shows across the country and has been features in Forbes, Entrepreneur, and Inc.

    Ty currently serves as the CEO at Credit Suite. With Credit Suite Ty consults with and advises companies on business credit building and scoring. He has overseen the business credit building for thousands of clients and has helped create and grow the most credible business coaching operation in the United States. Ty has also created and coaches the largest business credit provider network in the world.

    Learn more and contact Ty Crandall through his main website www.TyCrandall.com

  • Tal Tepper

    Tal Tepper

    Tal Tepper started in the credit and finance arena owning and operating automotive finance companies for 10 years
    Took his company from number 48 to a number 4 standing in the industry, in under 12 months.
    Spent 9 years in the mortgage industry, operating in different broker shops and large banks
    Launched Spartan Credit Advisors – a profitable credit repair company for the past 5 years.
    Also specializes in cross monetization and affiliate networking, a cornerstone to his success.

  • John Ulzheimer

    John Ulzheimer

    John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. He is the President of The Ulzheimer Group. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 185 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.

    John has 24+ years of experience in the consumer credit industry including positions with Equifax Credit Information Services and Fair Isaac (inventors of the FICO® credit scoring system). John has been quoted and published over 3,000 times since 2005 on the topic of consumer credit and has appeared numerous times on CNBC, FOX, CNN, CBS Evening News and Oprah’s “Oprah and Friends” XM Satellite Radio show. He has contributed to CNBC’s “On The Money” and “The Millionaire Inside”.  He is also a frequent commentator on credit-related issues in various outlets including CNBC, Associated Press, USA TODAY, Los Angeles Times, New York Times, CNN.com, Washington Post, and more!

  • C. Mike Lewis

    C. Mike Lewis

    If you don’t want to wait another 10 years to be known…you need to be in a book now!

    It Doesn’t Matter That

    MIKE LEWIS has created and published over 270 best-selling authors, published over a dozen of his own bestselling books, has 40+ years of experience in marketing, selling, speaking, and coaching, or that he previously owned and was CEO of a $100,000,000 company.

    What Does Matter

    Mike’s passion for turning the real-world experiences of successful entrepreneurs, CEOs, and seasoned business experts, like you, into best-selling printed books, and positively impacting their lives. As the publisher at the top Ghost Publishing firm, Branded Expert Publishing, Mike specializes in books and tools for building your business, while increasing your authority as a best-selling author.So set all your excuses aside. Suck it up and decide to take the steps you know you need to become the Branded Expert in your niche.

    1821 W. Citrus Springs Blvd.
    Citrus Springs, FL 34434
    Personal Cell: 404-281-6552