Our History

In 2003, Dan Krueger, the founder and current president, started Credit Matters because, as a fellow consumer, he believed (and still believes) in providing consumers with a way to improve their overall credit and financial situation.

At that time, the internet didn’t have the self-help solutions it does now, and although many consumers wanted help improving their credit, many didn’t know the first step. Dan was inspired to create those credit and financial solutions; he wanted consumers to have the power to change their credit situations and to change their lives.

Before “Credit Repair” was an established service, many people with fair-to-poor credit thought their credit profile would take 5-7 years to improve. Dan knew that consumers needed a solution, so he created a company that embodied his vision. Even though the credit industry was still evolving, Dan realized the growing importance of credit (and credit scoring) in the economy and lives of consumers. First, he had to gain respect and trust from new business partners; therefore, Dan decided to initially offer Credit Matters’ services for free!

Once clients realized the value the company provided, the business started growing immediately. Over the next several years the industry changed tremendously and Credit Matters had to adapt; especially when the recession hit. The team of Credit Matters carried on with the vision. They spent more time analyzing credit reports and credit scores. The team knew that consumers needed credit solutions that were simpler and more effective, yet customized to fit individual situations.

Dan Krueger

Dan Krueger

Founder, President, and Co-Owner

Renee Backus

ReneƩ Backus

Co-Owner and Sales Manager


A company founded on hard work and integrity

Since being founded in Wisconsin in 2003, we at Credit Matters have stayed firm to our mission: to help consumers and business owners increase their credit worthiness. Being a family-owned and operated business, we understand the importance of hard work and integrity. We also know what it means to have goals and dreams and we have helped numerous clients reach their financial goals through our credit services.

Our Corporate Philosophy centers on three key cornerstones:

  1. We believe in helping people increase their credit-knowledge to better manage and improve their credit worthiness.
  2. By helping and educating people to improve their credit, we help them improve their life.
  3. We believe in educating people to better understand and safeguard their personally identifying information.

Credit Matters is proudly registered by the State of Wisconsin as a Credit Service Organization. View our certificate of registration.