CRE Credit Services has developed the 7 stage proprietary program. This program was specifically designed by our Co Owner and COO James Charlet. James Charlet is a nationally recognized credit expert. He previously spent years working for Experian in their legal and compliance department. There is absolutely no one in the country that has a greater understanding of credit reporting and credit scoring. He can actually be seen around the country throughout the year giving seminars to top mortgage professionals on all things credit related.