1. Derek Boyd's 14 years of experience have consisted of two main elements,
understanding what his clients truly want, and using every resource at his
disposalto help them achieve their goals.
He is passionate about helping people, an expert in all facets of credit, and has
extensive knowledge in underwriting guidelines. He is a keynote speaker on
Money Matters with Dino on Patriot Radio, and is a nationally recognized Credit
Repair Expert within the mortgageindustry.
Derek is a proud father to his adorable five year old daughter Mia Simone, a
student and black belt practitioner of Tae Kwon Do under Master Sam Deratani.
He is passionate about changing the world through actions, and helping others.
When you work with Derek you experience someone who truly cares, and has the
skillset and determination to deliver results.
CreditLaw Solutionsisthe numberone choice andresource fortopproducingloanofficersandbrokers,
addingmillionsof dollarseverymonthtotheirpipeline. We have adeepunderstandingof the mortgage
industry,creditlaws,anda broadskill settoexecute the quickestresultsandturn-aroundtimes
possible.
What separatesusfromothercreditagenciesiswe have a veryeffective4stepdispute processthat
thoroughlyandpermanentlyaddressesall creditneeds. We have hadsuccesspermanentlyremoving
collections,late payments,charge-offs,even shortsales,foreclosures,bankruptciesand judgments.
Alongwiththese deletionsthe clientsFICOscoreshave risenaccordingly&oftendramatically.
We workon a referral base only,soourincentive forfuture businessisbasedonourrapidturn around
and efficiency. We have the fastestturnaroundtime inthe nation,&the average clientisenrolledinour
program for60-120 days.We strive toget borrowersbackquicklytotheirLoan Officertogetthem
qualified&intothe house or refinance theyare pursuing.
I offera free creditreportconsultationtoestablishthatthe file isagoodfitfor our program.
I have includedabrief descriptionof ourservices, lenderandclienttestimonials, andrecentindustry
leadingresults. Shouldyouwishtodiscussanyscenariosorcreditreports,please feel freetocall me or
sendan email.
Thank you,
DerekBoyd
6700 Fallbrook Ave., Suite 291, West Hills, CA 91307
O: (818) 932-9586C: (888) 255-9778  F: (866) 242-6110
www.CreditLawSolutions.com derek@creditlawsolutions.com

2. Loan Officer Testimonials
3/27/2015
“I'm a loan officer and I work with Derek Boyd on a regular basis Derek's communication is top notch he
works very hard for my clients and always delivers. I've personally used his services myself and I
extremely pressed with the results I on my personal credit. I recommend everyone to him that needs any
kind of credit repair. Good job Derek!”
John G | Big Valley Mortgage
7/8/2014
“Derek Boyd has been really great with tracking my clients and consistently raising their credit
scores. This is all done through tenacity and continuous follow up. It is surprising to me how quickly
some of the items are removed. Derek has been able to get many of my clients scores up high enough to
qualify for loans, but it is also helpful that these changes are permanent, so these changes affect their
credit abilities long after they have purchased their new homes. One client had their credit score raised
80 points in a two week period, and it made a difference of $120 per month on her payments. Multitply
that figure overt 30 years and you can see that the savings are pretty dramatic. Derek is very reliable in
his communications with me and is diligent to work for the highest outcome. He definitely gives my
clients 5 star treatment. You are welcome to call me for a personal overview on Derek's abilities. I would
highly recommend his services.”
Marsha Lenyk | Mortgage Planner
Award Mortgage Group, Branch of American Pacific Mortgage
619-992-1504
06-26-2014
“As a mortgage banker, I strive to help every client in need of home financing. This even means those
with blemished credit who need a helping hand. Every mortgage banker needs a right hand man when it
comes to helping these clients get the much needed credit repair help. For me, it is Derek Boyd of Credit
Law Solutions. I have worked with others in the past at different companies but they usually have let me
down as far as service and results. I am happy to say Derek goes above and beyond for his clients with
fantastic follow up and wonderful results. He doesn't overpromise and he does over deliver. If you need a
credit repair company that you can trust and actually performs, turn to Credit Law Solutions and Derek
Boyd”
Scott Hill
Senior Loan Consultant | American Pacific Mortgage
3/12/2015
“I work with Derek Boyd from Credit Law Solutions and he is AMAZING! I am a Mortgage Advisor so he
is a referral partner of mine. He is in constant communication with me and the clients and he gets the job
done in a timely manner. He has also helped me with some of my own personal credit issues and I was
just amazed at his customer service. I have no complaints :) I suggest you use this company for any
credit needs.”
Brenda Amiel
Mortgage Advisor | Alpine Mortgage Planning
3-09-15
“I wanted to share a recent experience that I had with one of my clients, who I referred to Derek. I’ll keep
it to the short version, because otherwise, this could be a 2 hour email! Basically, my client had a
judgment on their title, that was over 11 years old, from an old repossessed car. It was so old it wasn’t
even on credit. Derek’s company does credit repair, not debt negotiations. But Derek took the ball and

3. ran with it, helping my clients to negotiate from a $16k judgment into a $7k settlement that we were able
to pay off through escrow and help the clients get into a much better situation. The clients felt hopeless at
the start, but in the end, they were very happy to have this resolved, and to have a clean slate.
Throughout the process, Derek kept me informed, and was very professional with follow up. This wasn’t
even something in the scope of services that his company offers, but I’ll definitely send my future credit
challenged clients to Derek.”
Robert Fair
Sales Manager | Alpine Mortgage Planning
4-13-15
“Derek,
Thank you so much for such a drastic improvement to my clients credit score! When I referred you the
client she was at a 588, I just pulled her credit an hr ago and she is at a 738! You made this happen in
less than 60 days; you clearly under promised and over delivered! Thank you so much, I will be closing
her loan on the 30th of this month. You guys are great!”
Daniel Verdugo | Alpine Mortgage Planning
2/25/2015
“I am a mortgage lender in Newport Beach and I have been referring business to Derek Boyd for a while
now and he consistently does a great job. Recently he increased my clients score by 90 points in less
than 30 days.”
Dino K | CityWide Home Loans
4/22/15
“I have referred Derek several clients and all of them had their credit issues resolved. These clients had
outstanding collections, liens and other credit issues that seem beyond repair. He is extremely
professional and always takes good care of our mutual clients. We could not have closed any of these
loans without the help of Derek’s expertise and knowledge!
Thanks,
Rodney”
Rodney P. Felipe
Mortgage Advisor | Alpine Mortgage Planning | MLO # 487714

4. Client Testimonials
“Credit Law Solutions Rocked it! Derek is a Superstar. In one short month he worked my credit report
and my score jumped up 96 points! I had been struggling to do it on my own over the past few
years. Doing the legwork really only paid off in the end when I handed over the reigns to a
professional. If I would have know then what I know now...I would have chosen to go with CLS long
ago. Thank you so much for the excellent work. I Highly Highly recommend this company to anyone
seeking credit repair. Ask for Derek - he will get the job done. With Gratitude, Karen” 2/13/2015 (Yelp
Review)
“I am very pleased with my results thus far, I signed up for credit repair only two weeks ago and already
have 100% completion of my goals from one credit bureau. I was coached by Derek Boyd on how to keep
my revolving balance minimal and have exceeded with keeping them at 33% and Credit Law Solutions
pretty much did the rest, and way sooner then they had promised. Derek Boyd has over-delivered and
under- promised on these results. This company is highly recommended. The difference will be their
process, that these items on my report will be off and stay off. I really was surprised to have results only 2
weeks, Derek Boyd had expressed the length for responses could very will be 30-60 days so to receive
these in only two weeks really exciting. “ Angel G. 2/3/2015 (Yelp Review)
“Derek Boyd saved my husband and I! We ran into hard times several years ago and our credit was very
negatively effected by it. So much so that it was causing problems with refinancing our home. He was
able to get everything cleared within four months and our credit now looks flawless. The process did feel
like it was taking a while and I started to get discouraged, but he worked miracles and took care of
everything! We can now move forward in life being assured that our credit is in tact. I highly recommend
that anyone needing help fixing their credit work with Derek and Credit Law Solutions.” Nikki S. (Yelp
Review)
“Derek is a life saver. What he did in a few months I could not do in 2 years. He raised my score 60
points and I am now sending my clients to him for help. He always returns calls and does what he says.”
Craig M (Yelp Review)
“I contacted Credit Law Solutions while I was applying for a new home loan. My lender referred me to
Derek Boyd. I contacted Derek Boyd immediately and he helped me within one week. The company did
an outstanding job for me and my FICO Mid Score increased from 684 to 777. This is almost a 100 point
increase. I also hired them to help my wife. Credit Law Solutions is one of the best companies I could
recommend to any person who wants to get their credit issues resolved in a timely manner. I am very
satisfied and thankful I was able to find them.” Edward R, El Segundo (Yelp Review)
“We signed up with Credit Law Solutions to repair our credit, which had been badly damaged after a
move overseas. Our situation was time-sensitive, because we have been trying to apply for a
mortgage. 17 days after signing up, our credit was improved by 50 points. We are SO impressed, and
would recommend Derek and his team to anyone.” Kristine Nelson (Yelp Review)
“Derek Boyd is straight forward and honest. This morning I signed up with Derek to help clear up what I
perceived as a problem with fraudulent late payments reported against my credit. This problem would
have disqualified me from applying for a better home loan. When Derek pulled my credit report, he called
me back ASAP and said he sees no problem with recent late payments, and my credit looks acceptable
to apply for my new home loan. Derek also said that he will be refunding my money I agreed to pay to
clear this up. It's good to know there are organizations like Credit Law Solutions who are out there to help
people like me. “ Ken Voigt, San Jose, CA (Yelp Review)
“Credit Law Solutions has the customer service and Derek Boyd is exceptional. I work for Public Safety
and have to deal with customer service on a daily basis and I was very skeptical about credit repair
company's. Derek and Company has improved my credit score 105 points in three months. I am now

5. able to sell and purchase the home I want!!” CA Public Safety Employee, Christine Smith (Yelp
Review)
“My son has been trying to refinance for two years. He has been a victim of identity theft. We tried
desperately to get these things off his credit report. After dealing with this for over a year we were no
where near getting his credit cleared. I was referred to Credit Law Solutions (Derek Boyd) by my
mortgage person. I called Derek and explained the situation and he took it from there. He explained
clearly what he could do and he was always professional. Everything was always just like he said it
would be. Derek was able to clear my sons credit report in 3 months. Thanks Derek, we are in the
process of refinancing.” Dianne W (Yelp Review)
“Credit law solutions came to me by way of an un-anticipated referral. I was trying to find a way to put my
life back together after the mistakes I had made. I was also tired of paying someone else's mortgage. So
after talking to several friends I was given a bit of direction that led me to a third party that led me to credit
law solutions.
After making the call I was introduced to Derek Boyd. At first i was extremely skeptical, but Derek took the
time to help me in more of a way than what was expected. He helped explain to me what I didn't
understand as well as fixing my credit by about 100 points at the same time. I was expecting it to take
minimum of about a year. I was wrong. Approximately 4 months later he was done. I was now able to
move forward.
I am currently in the process of buying a home, which I thought wasn't going to happen for years to come.
Derek was extremely helpful and patient with my lack of knowledge in his field. He was also super
personable and I found I could relate to how he was explaining himself as well as able to talk about real
life problems.
Thank Derek! I appreciate all that you have done for me and my family.” Jason Q.(Yelp Review)
“Derek from Credit Law Solutions helped me get my credit issue resolved. I had a bogus medical charge
and in about 30 days I received letters from the big 3 credit companies saying it had been deleted. My
credit score then shot back up. It also cost me less than it would have to pay off the charge. Highly
recommended.” 3/24/2015 Jay B (Yelp Review)
“Derek Boyd I am so glad and thankful that his the one helping us with our credit and judgement issues
that we have . Derek support me for all the questions and give advices of which directions that we have to
go to fix our problems. I have nothing to say about work ethic his the best .on the behalf of me family
thank you so much for everything Derek. it means a lot for family.” 10/14/2014 Jann G (Yelp Review)
“I have worked with Derek for a little over a month and I have already seen items on my credit report
deleted. He is extremely responsive and trustworthy. I feel very confident my credit scores will go up as
much as possible...definitely higher than if I tried fixing things on my own. I have worked with other credit
repair companies in the past and it is difficult to find a reputable one. The small investment I have made
now with Credit Law Solutions will save me so much in the future on lower interest rates and even open
credit doors that would have been closed before. Thank you, Derek! You are doing a great job!”
10/9/2014 Tammy D (Yelp Review)