Your credit worthiness is a big deal!

I’ve Been There.

In 1993 I went through a Chapter 7 Bankruptcy. I thought that no one had credit worse than mine until my dealership promoted me from car salesman to Finance Manager.

I worked in the automotive industry for fourteen long years holding positions a salesman, Finance Manager, and for many years, a Finance Director. Over time, I repaired my own credit and learned the inner workings of the credit system. This knowledge was very valuable in helping the customers of my dealer-group.

Chief Academic Officer and Dean of Faculty for Omega Graduate School

Dr. Hughes serves as the Chief Academic Officer and Dean of Faculty for Omega Graduate school, is a Professor of doctoral social research, communication and leadership courses, and dissertation preparatory courses including statistics, dissertation foundations, and research design and methodology, and is the co-chair of the doctoral Graduate Research Council. She has served as CEO, President, VP, and Executive Director of non-profit and for-project organizations and as Program Manager for projects ranging from small to large & complex in non-profit, for-profit, military, and government organizations. She has held senior and executive management positions throughout her career. She has worked in social services and behavioral health and in Information Management, Technology & Policy fields during her tenure.  She is a transformational leader who thinks strategically, motivates people to achieve business objectives, builds trusted relationships, collaborates across diverse and multi-functional & multi-cultural teams, and focuses on outcomes, customers, and growth.  As a thought leader with strong communication and presentation skills, she contributes to a culture of innovation, collaboration, and partnership, with a willingness to proactively coach, mentor, facilitate, share knowledge, model, and advocate initiatives for positive change.

Hughes holds a triple degree at the Bachelor level in Philosophy, Psychology & Criminal Justice from the SUNY Oswego, a Masters in Philosophy and a Masters ABT in Criminal Justice from the University of South Carolina, and a Doctorate from Oxford/Omega Graduate School in Social Science Research and the Integration of Religion and Society Studies.

CLICK HERE to Dr. Hughes "Credit Worthiness White Paper" 

President/CEO - Legacy Consulting Group, LLC 

A native of Omaha Nebraska, spending 40 plus years in Corporate Management  Marketing, Product Development working for and with Fortune 50 and 100 sized  companies. He was primarily focus involved products development from concept  to delivery to the Consumer. Joe has held various levels of management from front  line management to the executive suite.  

Once he left the corporate world he started his own consulting business, which  specialized in advising executive management, forming divisions, product  development, strategic planning and marketing plans for mid and large size  corporations. The Consulting business continues to work with both Domestic and  International corporations.  

Additionally, joining SCORE (Service Corp of Retired Executives) the Volunteer  arm of the SBA in 2011 uses his experience and pass knowledge to entrepreneurs  while remaining connected and involved in the business world. Holding various  positions in the organization includes Chapter Chair, District Director and Region  Vice President. Working with Entrepreneurs from the beginning of their idea to  those who are in business, this valuable insight into assisting individuals in  realizing their dreams. Joe has enjoyed being an instructor for SBA sponsored  Boots to Business program for military personnel. He has a strong belief in the  mission because he believes service members have the discipline and training to  succeed as business owners.  

Joe’s career assignments have taken him and his family across the country. Once he  left the corporate world he settled down in Richmond, Virginia where he has lived  for the past 30 years. 

Resident of Richmond, VA since 1972, Graduated from College of William and Mary in 1992 with a Bachelor's degree in Finance, Worked in the mortgage industry as a lon processor and originator from 1993-2016. Joined Virginia Housing in 2016 as the Business Development & Training Manager in their Single-Family Homeownership Division and still retain that title. Daily tasks include: overseeing team of business Development Officers in different areas of Virginia, developing/maintain relationships with the 85+ lending partners who promote our programs to consumers, product development, marketing, team morale (aka joke telling).