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Credit Repair
Done Right.

Founded on the belief that every American deserves access to honest, expert credit guidance — ERC has been transforming financial lives for over two decades.

Neal Yeagley — Founder & CEO, Educate & Restore Credit
NY

Neal Yeagley

Founder & CEO
📍 Fogelsville, Pennsylvania
🏛️ FCRA & CROA Specialist
📚 Author of 10 Books on Credit
⏱ 20+ Years in the Industry
Meet the Founder

Dedicated to Helping
Every American Succeed

With over 20 years in the credit repair industry, Neal Yeagley has built Educate & Restore Credit into one of the most trusted names in credit restoration — not through shortcuts, but through strategy, compliance, and genuine care for every client's outcome.

Known for his expertise in analyzing credit reports, disputing inaccuracies, and designing personalized recovery strategies, Neal has guided clients through everything from simple bureau disputes to complex cases involving identity theft, collections, bankruptcy, repossession, and foreclosure.

A passionate advocate for financial literacy, Neal has authored 10 books focused on credit compliance and transparency, and regularly leads workshops and one-on-one consultations to educate clients on building and maintaining healthy credit for life.

"

My mission is simple: provide honest, effective credit solutions while empowering clients to maintain healthy credit for life.

— Neal Yeagley, Founder & CEO

Areas of Expertise

✓ Credit Report Analysis
✓ Inaccuracy Disputes
✓ Identity Theft Recovery
✓ Collections & Charge-Offs
✓ Bankruptcy & Foreclosure
✓ Mortgage Readiness Strategy
✓ FCRA / CROA Compliance
✓ Financial Education & Workshops
Our Team

The People Behind
Your Credit Comeback

Neal leads a team of specialists dedicated to guiding every client with expertise, patience, and a genuine commitment to results.

Reng Esther

Reng E.

Client Success Advisor
🎓 Veteran Educator · 19 Yrs🏡 HomeBuyer Readiness Expert

Reng Esther is a dedicated credit repair specialist, 21st-century educator, and proud mother of four with a passion for helping people rebuild both their confidence and financial future. With a strong background in client relations, consumer support, and credit education, she has become known for guiding individuals through the often confusing world of credit with patience, clarity, and professionalism.

Her approach to credit restoration goes beyond basic disputes — Reng believes in empowering clients through education, helping them understand how credit reporting works, how to identify inaccurate negative items, and how to build lasting financial habits that support long-term success.

As an educator, Reng brings compassion, structure, and effective communication into her work with clients. Her ability to simplify complex credit concepts has helped many individuals feel more confident when navigating collections, charge-offs, late payments, and overall credit rebuilding strategies.

Balancing motherhood, education, and financial advocacy, Reng Esther continues to inspire and support individuals who are ready to take control of their credit and create better opportunities for themselves and their families.

Marius

Marius A.

Dispute Operations Manager

Marius is an experienced credit strategist with a strong background in credit profile optimization, dispute operations, and client progress management. Since entering the credit industry in 2018, he has helped thousands of individuals navigate credit challenges and strengthen their financial positioning for future opportunities.

At Educate & Restore Credit, Marius oversees dispute progress, profile reviews, quality control, and strategic client progression. His role focuses on identifying profile improvement opportunities, evaluating lender positioning, monitoring score movement, and helping clients stay motivated throughout their credit optimization journey.

Known for his calm, detail-oriented, and supportive approach, Marius believes credit restoration is about more than disputes alone — it’s about helping clients build stronger financial foundations and greater confidence in their future.

Through education, consistency, and strategic guidance, he remains committed to helping clients move toward stronger approvals, better opportunities, and long-term financial growth.

Katrina Marquez

Katrina M.

Operations Support Specialist

Katrina Denise Marquez is an operations support specialist with experience in workflow development, backend process management, and website development. She specializes in creating organized systems that help businesses improve efficiency, streamline operations, and enhance the overall client experience.

Her role involves developing workflows, managing backend processes, coordinating operational tasks, and building company websites that align with business goals and brand identity. With a strong understanding of digital operations and automation, Katrina helps businesses create smoother systems that support both internal teams and customer-facing services.

Known for being detail-oriented, adaptable, and solution-driven, she works effectively in fast-paced environments that require structure, communication, and problem-solving. She is passionate about building efficient operational systems and creating digital solutions that contribute to long-term business growth and scalability.

Through her commitment to operational excellence and continuous learning, Katrina continues to expand her expertise in operations support, automation systems, and web development while helping businesses maintain efficient and reliable processes.

About ERC

The Premier Credit Repair
Service in Pennsylvania

Welcome to Educate and Restore Credit — serving clients in Allentown, Fogelsville, Lehigh County, and across the country. With over 20 years of experience, our team is dedicated to helping you achieve your credit goals through personalized strategy and compliance-first execution.

We specialize in credit repair, credit education, debt negotiation, and full bureau dispute processing — helping clients improve their FICO scores from the low 400s to the high 700s by challenging erroneous, unverifiable, and inaccurate information on their reports.

What sets us apart is our emphasis on education. We don't just repair your credit — we give you the knowledge and tools to keep it strong for life.

✓ FCRA Compliant ✓ CROA Compliant ✓ All 3 Bureaus ✓ No Long-Term Contracts
🎓

Education-First Approach

We teach clients how credit really works so they can maintain their progress long after our program ends.

🏆

Proven Results

24,000+ clients served, 120+ average score increase, 97% satisfaction rate — real outcomes from real strategy.

🤝

Personalized Service

Every client gets a custom plan — never a one-size-fits-all approach. Your goals shape your strategy from day one.

⚖️

Compliance & Transparency

We operate fully within FCRA and CROA law. No false promises — only what's legally achievable for your situation.

24,000+
Clients Served
20+
Years Experience
120+
Avg Score Increase
97%
Satisfaction Rate

Ready to Work With
Neal & the ERC Team?

Start your journey to better credit today. Enrollment takes minutes — $0 due today.

✨ Enroll Now — $0 Due Today Why Choose ERC