Restore Your Credit 2025 was founded with a simple but powerful goal: to educate and empower individuals across the United States to take control of their credit—and their future.

​

Our Origins

Our journey began in 1998, when H. Bruce McInnis Jr., now President and CEO, recognized a major flaw in the American financial system. The credit bureaus held—and continue to hold—an unfair advantage over the vast majority of the population, primarily due to a lack of education around how credit actually works. This critical knowledge, which should be taught in every high school, has been withheld from the public for decades.

That realization sparked the creation of what is now Restore Your Credit 2025, an organization dedicated to shifting the balance of power back into the hands of everyday Americans.

​

What We Do

We specialize in Credit Restoration, guiding our clients through a proven, structured approach to improving their credit. Our two core solutions include:

• Credit Score Academy – An educational platform designed to demystify the U.S. credit system and teach you how to use it to your advantage.

• Proprietary Section 609 Dispute System – A powerful tool that helps challenge and remove inaccurate, outdated, or unverifiable information from your credit report in compliance with federal law.

• ​

Our Mission

Our mission is clear:
To educate every citizen about how the U.S. credit system truly works—and to provide the tools needed to master it.

We believe financial literacy is a right, not a privilege. Credit affects everything from employment to housing to insurance rates. Yet most Americans are navigating it blindly. We’re here to change that.

​

Meet the Leadership Team

• H. Bruce McInnis Jr. – President & CEO

• Deborah McInnis – President, CFO & Processing Manager

• Josh Woodcock – National Marketing Director

• David Diaz-Kaplan – National Marketing Director​

​

Together, this passionate team brings decades of experience, dedication, and a shared vision of financial freedom for all.