Dr. Michael C. Grayson is a nationally recognized credit expert, financial educator, author, and consumer advocate who has spent more than 25 years helping individuals improve their financial standing, eliminate debt, and understand the credit system. Known as “The World’s Leading Credit Expert,” Dr. Grayson teaches consumers how credit impacts every aspect of financial life—from home ownership and business funding to student loans, collections, and wealth creation. He currently holds all three credit industry records including the highest recorded credit score.  He is the founder of the Credit and Debt Management Institute (CDMI) and creator of educational programs focused on financial literacy and consumer empowerment.