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 dealership.
Many times, to get a customer’s loan approved, I had to act as a credit counselor. We would lay their credit bureaus out on my desk and, using a yellow highlighter, mark the areas in need of repair. Next, I would help the customers write their letters to the credit bureaus challenging any inaccurate and obsolete information. Through trial and error, I discovered the techniques to structure extremely effective FCRA requests that would require compliance by the credit bureaus to remove the inaccurate bad credit items.
The purpose of my direct involvement in all this was to help sell a car. With this hands-on approach, the customers wanted to buy a car from me and my dealership. Sometimes I followed up with these customers for up to a year, helping them to fix their credit to the point where a bank would approve them for an auto loan.
Eventually, customers would tell their relatives and friends about my “services,” and even though they had no interest in buying a car, they would call and ask many credit questions and request my advice on credit repair. One of the salespeople joked that I should open a credit repair agency, and immediately it seemed to me like a light bulb turned on. I shortly opened the doors to this agency, and immediately through word of mouth, Credit Restoration Institute started to grow.
*** My years of experience and my direct involvement with your case is the difference between Credit Restoration Institute and ANY of our competitors. I know exactly how a credit report needs to look for you to get ideal terms on purchasing a new car or home. No other credit restoration system includes ME with it.
Robert W Linkonis Sr.
FICO Certified Credit Expert
Credit Restoration Master Level
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"
Cathie Hughes, Ph.D.
Director of Credit Restoration Institute.
Celia L. Powell, CPA is an accountant and consultant, practicing professionally beginning in 2009. Celia brings a unique approach to her accounting practice by utilizing mindfulness practices along with traditional business methods to support her clients as they transform and manage their finances. Celia focuses on going beyond the numbers to help her clients reach both their life and financial goals.
Celia received her Bachelor of Science degree in Business Administration from the State University of New York at New Paltz, 1986. She received Certified Public Accountant’s license from the Commonwealth of Virginia in 2009 and has been in private practice since then, serving non-profit organizations, small businesses and individuals.
Ms Powell, most recently began an online platform, used to teach, coach and inspire others to create a financial vision for their money and ultimately become the CEO of their lives.
Celia L. Powell
Certified Public Accountant
Jeannette Cordor is the Executive Director of The Faces of Hope, a non-profit organization that uses a multi-disciplinary approach to prevent childhood obesity and empower youth to lead healthier lives physically, emotionally and mentally. Jeannette has worked in the healthcare space for almost 20 years, helping to bring health knowledge and habits to individuals, families and communities throughout the Richmond region. In addition to being on the leadership team with the Credit Restoration Institute, Jeannette is a member of RMHF’s Grassroots Capacity Building Cohort.
Fair Credit Reporting Act and Fair Debt Collection Practices Act
Credit Restoration Institute “on staff” Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) Attorney.
Va. sues online lender, alleges ‘illegal predatory loans’
Updated: May 04, 2018 10:18 PM EDT
Robert Linkonis often works with people who have fallen victim to predatory loans. He is president at Credit Restoration Institute in Chesterfield County.
“A predatory loan in many cases causes a downward spiral. Someone can’t repay it. They have to get another loan in some cases to repay it,” he said.
Linkonis said they can be stuck in a cycle of debt with high interest rates that cause the debt to only grow.
We are always here for our clients and will walk you through the process as we work hard for you. A new beginning is just a step away. Provide your information to receive your free credit report evaluation and FREE credit repair information!
Credit Restoration Institute will create a personalized action plan and follow through to the completion of the plan. We want to see you reach your financial goals!