Date: 7 January 2009

These updates were received today. I have been in this program for 30 days and i am already amazed. God bless you all  & what you do.

19 deletions in the 1st round, its a miracle





Today I got a call from my client. She was over joyed by the report showing that her FICO score has gone up by 235 points in just six months.
This is a wonderful testimonial to the expertise of RMCN and Paula’s ability to follow upon directions to the letters. Now she can call the shots whether it’s a home mortgage, car loan, insurance rates or any of the many ways a FICO score affect our lives.
U.S. Mortgage



Sent: Friday, January 02, 2009 4:21 PM
To: Dwayne Calk
Subject: Address Changed

Happy New Year… Thank you for improving my credit. I just closed this condo on 12/30/08….Thank you for helping me…
Best Regards


Nathan M

From: Nathan M
Sent: Tuesday, January 13, 2009 2:13 PM
To: Doug Parker
Subject: Thank you

I hope you had a safe and relaxing New Year and that 2009 has started off well for you and all of the folks at RMCN. I want to thank RMCN for helping me repair my credit to the point where it stands now. My wife and I were about to lock in a mortgage for our first home at 4.75% thanks to the work Jim Emerson and your staff did for me. I planned on staying in your program to get my score up higher, but I guess there wasn’t much else to get done at this time, because I received a completion letter a few months ago. Thank you again for what your organization does, and feel free to let me know if there is anything that I can assist you with. Best regards,
Nathan M


Joseph E

From: Joseph E
Sent: Wednesday, January 14, 2009 5:02 PM
To: Dwayne Calk
Subject: home sweet home

I really need to give you an enormous thank you and a hug. My loan was approved, I bought the house, and I am sitting in it right now, nice and warm and dry and actually feeling better. I was very grateful that I made it out of the bus before the winter storms set in. As you know, I had a fear of this winter and in all honesty doubt if I would have survived another one in the old bus. Especially one like this.

The process had many snags then suddenly things just clicked into place. A man from Ohio flew out and bought my bus. A few weeks later I’m in the house, I spent a few weeks in limbo between the transitions as a guest in a friends trailer. Amazing how expensive limbo can be.

I had to pay off those CA state tax liens, they totaled ninety percent of this process. Because of that I had no money for anything else, like basics, pots and pans and furniture. So its hard to stay comfortable, Derek and I both have our own $15 air mattress, the house only furniture until we collect more but its nice and its a roof and a bathroom and a kitchen and heated and a nice garden and its mine and my dog is happy and it feels good and you made it happen and I don’t know how to thank you or how I would have done it without you.

In your line of work it can be easy to detach the human from the paper. But you have that talent and gift to realize how all those papers affect someones life. What you did for me was not easy and most people would have given up long ago but again you stuck with me. My friends have done less then you have, making you my dear friend who helped get sick and poor me out of my bus and into a home suited for my health-style while against all odds.

You even pin pointed the week it would happen when you told me months ago things should work in my favor before Christmas. If the USDA did not close for those snow days it would have closed Christmas eve, instead due to the severe snow we closed on the last day of last year.

In a few months when we are more together I’d like to extend an invitation for you to visit. Meanwhile we’ll continue to work on my credit repair, so much still depends on that. Like getting a car, home improvement or any loans.

I have a 30 year fixed @ 5.1%, monthly payment of about 450.$ The interest rate went down a 1/3 point but I had already locked into the 5.1%

I did get some mail I will forward to you, I got your phone message too. I have been busy with all this moving and when I can sit down and call you I will. Most likely after Friday when I get my phone battery.

I did everything you said and your promised results have been fulfilled. You improved my life.

Dwayne, Thank you and thank everyone at RMCN from the very top CEO to every individual behind every door functioning as the dynamic life changing team you are.

Because of my sickness and poverty you took my case charitably, to do all that work, invest all that time, to do what you do so well and without pay just to help a guy down and out up. RMCN is commendable, honest and dependable, and I’m in my own house. How can I ever thank you enough? RMCN my real hero. Thanks.



Bobby T

From: Bobby T
Sent: Monday, January 19, 2009 2:37 PM
To: Joe Camacho
Subject: Thank You…!!

Dear Joe Camacho,

We should of sent this letter out a long time ago. We wanted to say, “Thank you, thank you, thank you..!!” For all that you and your company has done. As our consultant you were nothing short of phenomenal.! All those month you’ve been working with us fixing all Sandy bad marks (l.o.l, mine too) really is paying off. You educated us about our credit and infused the entire process with your integrity, and patience. As of today we are now married and ready to start on a new business. We couldn’t have done this without you. Thanks….!

Thanks ALLOT,

Bobby & Sandy T


Dennis Riley

Sent: Tuesday, January 20, 2009 1:38 PM
To: Dennis Riley
Subject: Re: Mortgage

Hi Dennis,

Thank you so much for following up. Yes, Ron got me approved through FHA and all my loan stuff is ready to go. I currently have an offer on a house that is in short sale, even though they should really call it long sale. We are still waiting to hear back from the bank on the offer. Regardless, the loan is good to go, it is just a matter of finding the right home at the right price.

Thank you so much for all that you have done. Without you, I would not even be looking at homes right now because I would have never qualified before.

Hope all is well,

Megan A


Jeffery and Lorie D

Date: Sat, 24 Jan 2009 07:32:25 -0800 (PST)
From: Jeffery and Lorie D
Subject: Thank you
To: Cody Adair

Hi Cody,

I just wanted to thank you so much for the work that you and your team has done on my credit. I received an update from equifax just this morning that showed my credit score to be 675! Just 9 months ago I would have been happy seeing my score in the low 600’s so need less to say I couldn’t be happier.

It looks like I am going to get the loan for my house and I am going to get the best rate available for an FHA loan thanks to you guys. All I know is I couldn’t have done it without your help. Thanks again, and God bless.

Lorie D


Troy T

From: From: Troy T
Sent: Monday, January 26, 2009 9:06 PM
To: Dwayne Calk

hey whats up man. i got approved for my house loan and my credit score was at a 641 so thats awesome you have helped me out tremendously, also the loans only at 5%.