Free Offer!

Full Name
Day Phone
Mobile Phone

Cody Adair

National Consultant

My first priority when assisting my clients is to listen, identify, and then explain how the negative items on their credit reports are affecting their credit score and purchasing power. Once I have determined their needs, I am able to implement a process to expedite their credit repair needs. This helps manage the client's expectations and gives them a better understanding of their current credit situation.

I have personally lived with bad credit, and gone through the "V" Phase Process myself. Through my own experiences, I can provide knowledge and top quality service with a down home personal feel. My philosophy of always servicing my clients' needs has allowed me to build my business by referral. When a client's expectations are surpassed they are excited to refer their family and friends. At RMCN Credit Services, Inc. 80% of our business comes from client, mortgage officer, and loan officer referral.

After moving to the Dallas/Ft Worth area in 2000, I established myself in the professional world, working hard to achieve my business as well as personal goals. I currently live in the McKinney, TX area.

As a Sr. National Credit Consultant I am concerned about your needs and care about eliminating the stress from your current credit issues. Call me today for the service you deserve and the answers to your credit repair questions.

From: Chris S
Sent: Tuesday, August 19, 2014 9:14 AM
To: Cody Adair
Subject: Re: New client

Haha. Just trying to help people get back on track. I know the pain it is to be in that position. Thanks Cowboy for all you do homie.

Sent from my iPhone

From: dan@*****
Sent: Wednesday, August 13, 2014 10:12 AM
To: Cody Adair
Subject: Re: Dan, the man good news Capital Bank is now deleted on Trans Union =)

Thanks Cowboy... BUT I have some paper work that II need to drop off, I is from Equifax and its good news thanks man .

From: R Zeid
Sent: Thursday, August 07, 2014 3:21 PM
To: Cody Adair
Subject: Re: Welcome

Thank you for all the correspondence I am learning a ton Cowboy!

From: James
Sent: Thursday, August 07, 2014 11:49 AM
To: Cody Adair
Subject: Re: James, this is a monthly status update.

Thank you Cody for you answers. Very happy customer I am thanks for being so professional and taking time out of your busy day to answer my questions.

Sent from my iPhone

From: John N
Sent: Tuesday, August 05, 2014 1:53 PM
To: Cody Adair
Subject: RE: 45 Day Request for John N

Hello Cody,
We have had some personal issues going on and haven't been on top of sending in our paperwork. I know how important this is and hate that I have let it go. I am sending all the letters I have today. Thanks for all you do all 3 of John's scores are in the 700's now =)

From: tracy c
Sent: Tuesday, August 05, 2014 7:46 AM
To: Cody Adair
Subject: RE: RMCN Results Update for Tracy H Cheatam

Cowboy, thanks for getting some stuff cleared up on my credit file . Can you please send me a schedule of what dates money will be withdrawn from my acct and amounts. Thanks again for all your doing Cody, seriously good work man.

Sent from Yahoo Mail for iPhone

From: Gaby
Sent: Friday, July 18, 2014 11:11 AM
To: Cody Adair
Subject: Re: Letters are pending. Please authenticate.

Hi Cody: Good morning. I authenticate the letters. I never had an account with both companies. Thank you for your help you guys are really making a positive impact on my credit.

I did not receive any Bureau Report lately. If receiveed any I will send it to you right away Cowboy. =)

Have a nice weekend and Happy Friday, thanks again for jumping my credit up big time!

Thank you and have a great day.
Gabriela G

From: Gaby
Sent: Thursday, June 26, 2014 10:03 AM
To: Cody Adair

Good morning and thank you Cody! :)

These results are very good! :)

Thank you and have a great day.
Gabriela G

From: Ray N
Sent: Monday, June 16, 2014 6:16 PM
To: Cody Adair
Subject: Re: We are in our new home Cody!


We have closed on our house here in Ohio thanks to you my man!

Thanks Cody, this means the world to my family and me, I will send you tons of business.
These are some pictures of our new home. pictures of new home purchased  after successful RMCN Credit restoration

From: Lora A
Sent: Thursday, June 05, 2014 5:07 PM
To: Cody Adair
Subject: Re: Lora, congratulations on completing our program!

Thanks Cody! I really appreciate your help getting my credit way up. I'm working on getting a credit card and hopefully in the next 6 mos I can raise it even higher, thank you so much from the bottom of my heart.

Can I still reach you in case i have any questions you know so much about credit, I just know it would come in handy?
Lora =)~

credit bureau deletions after credit repair

From: S Brow
Sent: Tuesday, May 27, 2014 9:49 AM
To: Cody Adair
Subject: Cody, I got my car thank you.

new auto purchased after successful RMCN Credit Repair
Good morning Cody, I was able to get the car! =), a 2014 Nissan Altima 9k miles, i only removed Equifax fraud alert, the others are still there. I'm going to have them place it back on today, so you guys can keep working on my credit score. It was a 590 on experian so it's still not where it needs to be, but it's a huge improvement from the 473 I started with 2 and a half months ago. I'm going to make sure to make the car payments ontime to help & get those secured credit cards... Thx for everything Cody!

Sent from my iPad

From: Lilian S
Sent: Thursday, May 22, 2014 10:34 PM
To: Cody Adair
Re: Audit Options Completed

Please cody this should be my last month will not continue withe the program thank you so much you krushed my bad credit,1,000,000 thank yous.

Sent from Yahoo Mail on Android

credit bureau deletions after credit repair

From: Lora A
Sent: Wednesday, May 07, 2014 10:08 AM
To: Cody Adair
Subject: Hi Cody!

Just checking in! I'm going to be getting the credit card next week so I'm hoping that will help my credit score go up a little bit more. Also, i have not received anything other than credit reports for a while now. Is there anything I need to be doing? How much longer do I have on the program?

Thank you so much for all your help. My score so far has rose over 112points I am so happy I found yall and signed up, thanks a lot. I referred someone to you yesterday. I dont know if she's reached out to you yet. Her name is Verlisa. She was very interested in your help.

Anyway, have a great day Cowboy you rock!

Lora A

From: Jpn*****
Sent: Tuesday, April 29, 2014 10:30 AM
To: Cody Adair
Subject: RE: 2 more items now reporting postive =)

Wonderful! !
Donna N

From: Michael M
Sent: Tuesday, April 15, 2014 11:31 AM
To: Cody Adair
Subject: Re: Mike, we got another deletion for you on Experian.

This is greatness Cowboy!

Michael M

From: Donna N
Sent: Thursday, April 17, 2014 3:07 PM
To: Cody Adair
Subject: RE: Welcome

We received a letter today from Capitol One. They said they corrected wrong information about late payments from June and July 2009. I'm forwarding it on to you. I just wanted to tell you Cody because I'm excited! :)
Donna N

From: Elizabeth s
Sent: Friday, April 11, 2014 10:20 AM
To: Cody Adair
Subject: Re:Liz, check out what have done for you on Trans Union.

ITS UNBELIEVABLE!!!!!!!!!!!!!! I am smiling over here in Lancaster, PA!!!!!!!!!!!!!!!!!!!!!!!! You are awesome!!!!!!!!!!!

From: Shauncy B
Sent: Wednesday, April 09, 2014 12:14 PM
To: Cody Adair
Subject: Re: Shauncy this is why you put your trust in Cody The Credit Cowboy.

Ok I'm working on a few people. Thanks for all the work you have done Cody, this rocks!

From: Alfonso L
Sent: Tuesday, April 08, 2014 10:55 AM
To: Cody Adair
Subject: Re: Alfonso now this is what happens we get results!

Hahahah yyeeeaaa !! Man I feel so overwhelmed Cody .. I was stressing for awhile thank man you made my day.

Sent from my iPhone

From: J P
Sent: Tuesday, April 08, 2014 10:40 AM
To: Cody Adair
Subject: Re: RMCN Results Update for J P

Hi Cowboy,

Sorry I missed your call yesterday. Everything is going well. I have been sending a lot of things to you that have been coming to me in the mail. Just wanted to make sure you are getting them. Also, will sign up for a credit card on the 1st of next month. I'm getting there. Slowing but I will get that done. Thanks for all your help Credit Cowboy.


From: Valerie M
Sent: Monday, April 07, 2014 5:37 PM
To: Cody Adair
Subject: Re: Valerie, we got 14 deletions for you last week check this out.

Thanks for your hard work Cody a ton of referrals are coming soon.

Credit Repair Results
Credit Repair Results
Survey results from Credit Repair Client

From: David Y
Sent: Friday, March 28, 2014 11:24 AM
To: 'Cody Adair'
Subject: RE: Jody K is a no go for now.

I received your email and voice message from yesterday. I very much appreciate your willingness to reach out to her and I appreciate the update. I appreciate what you do and certainly will keep you in mind as my go to credit repair guy.

David Youngs - Senior Loan Consultant

From: li*********
Sent: Tuesday, March 25, 2014 9:25 PM
To: Cody Adair
Subject: Re: RMCN Results Update for Elizabeth E


Sent via the HTC VividTM, an AT&T 4G LTE smartphone

From: Lora A
Sent: Tuesday, March 25, 2014 5:08 PM
To: Cody Adair
Subject: Re: Hi Cody!

How happy am i? My goodness. You guys took me from a 520 on all three reports to 700 on one report and the other two in the 600s. It's great! I am going to work really hard to make sure my score never goes down again. I never thought I could get my score fixed and it used to make me feel so much like a loser and embarrassed when someone asked me to run a credit check. The main reason I did this was to try to get a loan for a home. That's my goal. I'm hoping in another year to own a home and buy a new car with decent interest rates and not "bad credit" interest rates. It feels amazing Cody!

Thank you, Lora

From: Elizabeth s
Sent: Friday, March 21, 2014 4:37 PM
To: Cody Adair
Subject: Re: Directions for selection of audit options with RMCN

I definately want to keep you happy! Thanks for all your help!! Have a great weekend!!

From: Ray N
Sent: Friday, March 21, 2014 7:39 PM
To: Cody Adair
Subject: Equifax Doc -- Ray N=)


Here is a document from Equifax that came in the mail today. Great news they removed all the medical collections!

Cody, I never thought you could get this done so fast, thank you so much my man.


From: edith g
Sent: Thursday, March 20, 2014 3:55 PM
To: Cody Adair
Subject: Transunion 100% Deleted WOW!!!!

I have attached a photo this is unreal Cody, thank you so much for clearing up these negative reported items for me.

From: Chris S
Sent: Wednesday, March 19, 2014 3:20 PM
To: Cody Adair
Subject: Re: Chris, I never got that fax or e mail with all your documents?

Just started working last week! Looking forward to getting my credit recovery started! Will get in contact with you within the next week for the credit report. Thank you, for giving me time to get back on my feet and get re-established in the work force, so I could qualify for your credit repair program Credit Cowboy.

Sent from my iPhone

From: Edward D
Sent: Friday, March 14, 2014 9:50 AM
To: Cody Adair
Subject: Re: Edward, this is Cody Adair with

I'll go with Plan B, I can provide a bank statement for this address! Whew, I thought I was done for a second there.

I really appreciate your help Cody, you really go great lengths to satisfy your customers. I am so glad I found your company. I know my buddy had great results with Thank you, for working with me while I'm serving our country In Iraq.

From: Dale C
Sent: Monday, March 10, 2014 3:27 PM
To: Cody Adair
Subject: Re: Place to get your credit monitoring to keep any eye on your credit.

Cody WOW, just wanted to share this and say ty. But were not done yet. I believe I started in around 540 to 560.

Thanks again to all your team!!!!!! I never dreamed of these results.

screen shot of credit repair results showing all 3 agencies

FromT Pruitt
Date: March 6, 2014 at 1:14:29 PM CST
To: Cody The Credit Cowboy
Subject: T Pruitt, a long awaited Thank You

When I first joined the credit repair program at, I was a bit skeptical, but after 3 months Cody the Credit Cowboy had removed the foreclosure from my record and a lot of other debt that had been there for quite some time and even some new stuff. today, because of Cody, I now have a brand new house that was just built!!!

I can't say enough good about the credit repair program at RMCN and Cody the Credit Cowboy. My credit score went from high 477 mid to 720 by the end of the program in 6 months.

THANKS Cowboy, You are part of our family now!!! =)

home purchased after successful credit repair

From: Marcia G
Sent: Tuesday, March 04, 2014 4:13 PM
To: Cody Adair
Subject: Re: Please discontinue my service at this time my credit is repaired.

It was effective in removing many negative items from my report , thanks again. =)

Marcia G

From: car******
Sent: Friday, February 28, 2014 7:37 PM
To: Cody Adair
Subject: Re: RMCN Results Update for Carly D

Keep up the good work and I will keep handing out your referrals So that I don't bug you.....



Sent from Windows M

From: Andrew D
Sent: Thursday, February 27, 2014 2:20 PM
To: Cody Adair
Subject: RE: Andy, this is all my contact information, thank you for your referral.

Your why I love Texas..



Andrew D

survey completed by satisfied credit repair client
survey completed by satisfied credit repair client
Letter from satisfied RMCN Credit Repair Client

From: jason h
Sent: Tuesday, December 07, 2010 3:32 PM
To: cody adair
Subject: RE: Have you re-established any positive credit?


cody,  awsome stuff just looked at the the report of 634 experian 714 equifax 719 transunion im sending off another round of paperwork  today.. as well do you think i should hold off till first of year for re-finance on auto-loan? or look into couple  now? the 634 is still little weak may be some stuff just hasent gone through yet for them but im  thinking maybe hold off till jan feb on re-finance of vehicle.. I am also handing out some cards to hopefully direct traffic your way as well hope all is well please update contact information for my cell as the number has changed to 214-***-**** . I hope you and your family had a great thankgiving and  a great new year as this one comes to a close!!!

Jason H

Letter from happy credit repair customer

From: Derek F
Sent: Thursday, November 11, 2010 9:49 AM
To: Cody Adair
Subject: Canceling Services

Hey Cody, I just got my new credit scores and they went from a 590, 600, and 627, to now a 729, 731, and 732. So I just wanted to say thanks a million for doing a great job to you and the team there. You know I had only 8 negative items on my report which to me i didn't think was a lot but you and your guys there got them all deleted off all 3 reports which took my credit from poor to excellent. Which will now enable me to buy a house for my family that I couldn't do only 4 months ago. So thanks for taking the time to answer all my calls and for answering every question I had, cause I know I had several and called you many times. So again a big thanks to you and your company you did a great job. But at this time I'd like to cancel my account with you guys cause you did a great job and got everything taken care of for me.

Thanks Cody

Derek F

From: Luis P
Sent: Friday, October 29, 2010 2:05 PM
To: Cody Adair
Subject: RE: Luis, have your scores come up?




                I have my credit scores now, when I started the program my score was about 564, and according to my resent scores they are as follow:


Equifax           689

Expedian        710

Transunion    646



Survey result from satisifed credit repair client

From: Daniel S
Sent: Monday, September 20, 2010 8:51 AM
To: Cody Adair
Subject: Smith Daniel

Hey man just wanted to say thank you for helping me out with all this credit stuff....I was able to wal onto AT&T get a new phone and put no money down!!! Let me know if you guys need any info for the credit companies!!!!

Daniel S

From: ****ste***
Sent: Sunday, September 19, 2010 6:19 PM
To: Cody Adair
Subject: Re: Good place to pull credit


I pulled my report from myfunding and here are the results.

Equifax 774

Experian 707

Transunion  714

I am extremely happy with these, and after 2 months this is awesome. Thank you very much, I spent all weekend telling friends and family about the results of the credit Cowboy.


From: John V
Sent: Wednesday, August 25, 2010 3:34 PM
To: Cody Adair
Subject: RE: John, Thank you for your business.

Thanks for all the help Cody.

I was able to trade in my 07 Ram 2500 for a  new Ford F250 a few weeks ago.

We also are going to do a refi on our home. My credit score was at 729 as of last week.

Thanks again,


From: Shawn L
Sent: Monday, July 26, 2010 5:00 PM
To: Cody Adair
Subject: RE: Shawn, this is Cody with RMCN Credit Services in McKinney,TX

Hey Cody,
I just wanted you to send me some business cards for me to pass out to my friends and family. I pulled my credit score for the first time last week. It has improved tremendously so far. My Transunion score has increased by 86 points and my Experian score has jumped 97 points!! My Equifax score has improved by 50 something and it's only been 3 months!
Thanks for all your help!

Survey response from satisfied credit repair customer
Survey response from satisfied credit repair customer

From: Carolina C
Sent: Friday, June 04, 2010 11:05 AM
To:Cody Adair
Subject: Looks good

Original scores 

Experian 524                           now        620 = 96 point increase

Equifax 585                             now       646 = 61 point increase

Trans Union 504                      now        661 = 157 point increase

From: Acceptance Home Mortgag
Sent: Friday, May 21, 2010 2:10 PM
To: Cody Adair
Subject: Thanks so much for Deborah D

I just talked to Deborah, she is saying she is going

to send you a recommendation. I would like a copy

of that to help sell for you. She is really happy with



Acceptance Home Mortgage

From: Jamie V
Sent: Thursday, April 01, 2010 9:33 AM
To: Cody Adair
Subject: credit question


Hi Cody....

It's Jamie V! First of all I just want to tell you i ordered a copy of my credit report and I am soooo excited!! Way better than I expected! Ive never had a 778!

Hopefully the Experian score will change.....I know you said that you sent out a second letter just recently. Thank You so much, Im so glad I decided to invest in this process!

My question I have for you is that I need to look into getting a commuter car for work! Is it Ok to do so now or do I need to wait until this whole process is complete??? Just want to make sure and not interfere with anything!

Thanks soo much ~ Jamie V

From: Carrie G
Sent: Monday, March 22, 2010 1:58 PM
To: Cody Adair
Subject: Re: Carrie, I wanted to stay in touch


Dearest Cody,


Yes, I was very skeptical..........and just so you know, on the evaluation I was sent, I suggested they give you a raise.  I have no problem admitting when my vision may be narrow-----could you just bring you six shooters and return the favor?


Both kids are pretty sick and it's an infusion week so I may be difficult to reach by phone.  Hope all is well with you and yours!!!  Thanks for everything.



Under His Wing,




new home purchased after successful credit restoration

From: Ricky R
Sent: Monday, March 22, 2010 4:08 PM
To: Cody Adair
Subject: Re:


Thanks for the email.  You are right, when I first called you, I was skeptical that you could do anything for me since all of my bad credit had been paid for and just needed to be taken off of my credit report.  I am very glad that I went ahead and worked with you.  I cannot remember what my scores were before we started, but they were either very low 600's or mid to high 500's on all three credit companies.  I just checked to monitor where I am today, and my low is a 671, my middle is a 688 and my high is a 694.  These are the highest my scores have ever been, and I can't thank you enough for your help.  I recommend you guys on at least a monthly basis.  Anytime I get into a conversation about Credit, I make sure to let people know what you and your team have done for me.  Is there anything else I can do to get my scores into the 700's?  Agian, Thanks for everything you have done to get my credit back.  It has already made a huge impact in my life.

From: Amanda N
Sent: Thursday, March 18, 2010 10:25 AM
To: Cody Adair

Good morning,
Thank you so much for your service and helping me get my credit back in check. I will definitely refer your company to anyone that I know whom is having some credit issues.

Thanks again and best of luck with your future clients.

Amanda N

From: cory b
Sent: Thursday, March 18, 2010 7:13 AM
To: Cody Adair
Subject: Re: Cory, I wanted to stay in touch

Hey Cody,

My credit score has improved tremendously! I've now purchased a home, re-financed two cars, etc. Subsequently, my total monthly expense has decreased significantly. In the future, I will definitely recommend you guys to anyone who may be in need of credit repair.

Cory B

From: peter d
Sent: Wednesday, March 17, 2010 7:08 PM
To: Cody Adair

Hi Cody,

I have been doing good.  My credit scores are up and i am signed up with true credit to keep an eye on things.  If i ever hear or know of someone who is having credit troubles i will definitely send them your way.  Thanks again for helping me out.


Peter D

From: peter d
Sent: Wednesday, March 17, 2010 7:08 PM
To: Cody Adair
Subject: Re: Peter, I wanted to stay in touch


Hi Cody,

I have been doing good.  My credit scores are up and i am signed up with true credit to keep an eye on things.  If i ever hear or know of someone who is having credit troubles i will definitely send them your way.  Thanks again for helping me out.


Peter D 

From: Ron Blume
Sent: Friday, March 12, 2010 3:47 PM
To: Cody Adair
Subject: Mark D

Hey Cody, I just spoke with Mark D and he was very pleased with the work that you did.

He even said it was worth every penny he spent - you probably don't hear that a lot so I thought you should know.

He doesn't have that initial property under contract anymore but he said he will looking again in a few months.

Thank you.

Ron Blume
Vice President
Distinct Funding Solutions

From: Steve L
Sent: Friday, February 19, 2010 8:14 AM
To: 'Client Services'
Subject: RE: Stephen, congratulations on completing our program!


I would like to thank you and your staff for resolving the majority of my credit issues. If I could just get my divorce and start my life over with my girls all will be good. Again, thanks for your professional approach to helping me achieve my goal. I will recommend people to you when possible.


Steve L

new car purchased as a result or RMCN's credit repair effortsFrom: Amanda N
Sent: Friday, December 04, 2009 10:12 AM
To: Cody Adair
Subject: My Success Story

I began my credit repair process in July. In November, I found out that I needed to purchase a new vehicle and was very nervous because I knew that I had some negative items on my credit report. Reluctantly, I went to the dealership and purchased a new 2009 Ford Edge. To my surprise, I had a 792 on my credit report!!! I am very thankful for all of the hard work that Cody and the other staff members have put forth to repairing my credit. Thanks to everyone!

note from happy credit restoration client

From: Kaye D
Sent: Tuesday, September 01, 2009 11:07 AM
To: Cody The Credit Cowboy (888)469-7372 ext 271
Subject: Helping America rebuild one client at a time, thank you for your business.

A big THANKYOU CODY. I appreciate everything you have done for me. Such a burden off of my shoulders.

From: Brett V
Sent: Thursday, June 18, 2009 8:58 PM
To: Cody The Credit Cowboy (888)469-7372 ext 271
Subject: RMCN Credit Services, Inc.

Hey Cody................

More great and perfect news after ONLY 2 1/2 months with your awesome service!!!!!!!!!

After Hurricane Katrina, the lost of my business, forced to file Chaper 7 BK, and moving the Las Vegas to start over this is a HUGE amount of joy..........

Your FICOŽ score as of June 18, 2009 is:

Your FICOŽ score of 734 is better than 54 % of US Consumers

" FICOŽ scores range between 300 and 850.
" Higher scores are considered better scores.

Thanks again!

note from pleased credit repair client touting the service provided by Cody Adair of RMCN Credit Services, Inc.
thank you note for cleaning up credit report


RMCN Credit Services

1611 Wilmeth Road, Suite B

McKinney TX 75069

(972) 529-0900 Office (972) 562-0225 Fax

Toll Free (888) 4-MY-REPAIR

Se Habla Español


©1997- RMCN Credit Services, Inc. All rights reserved. RMCN Credit Services, Inc does not provide tax, legal or financial advice. If you need any type of legal advice,
you must contact a licensed attorney. Comments about the possible and/or potential outcome of Client's matters are based upon experience and prior success in these matters.
RMCN does not guarantee the permanent removal of accurate and verifiable information. Client's active participation in providing RMCN all requested documents, forms,
and information including investigation results are essential for the accomplishment of an accurate credit report. Individual results may vary.

RMCN does business exclusively within the State of Texas. (Client) has initiated contact with RMCN for purposes of retaining its Texas-based services. RMCN's performance under its
(contract) will take place solely within the State of Texas. The parties agree that RMCN has not established contacts within, or availed itself of the laws of, any state other than Texas.