Owner Rita Mahaney has been in the credit counseling business since 1978 and considers herself a financial missionary. Mahaney says, "Everybody who comes through my door is by way of referral from a satisfied client. I don't do any advertising." RM has a 5-Star Better Business Bureau rating. The RM mission is to "help you restore your credit report to one that reflects the good person you are, not the bad experience you have had in the past."