Choosing the right company to help you navigate the world of credit repair can be intimidating. With over 15+ years of experience on credit repair in Richmond, VA, we’ve been helping people improve credit scores and better their lives. Our team of legal, legitimate, and local professionals work closely together and with you to achieve your financial goals.
Interested in being part of our Board of Directors? Click the button below to apply.
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.
Robert W Linkonis Sr.
FICO Certified Credit Expert
Credit Restoration Master Level
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.
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"
Cathie Hughes, Ph.D.
Director / Board Chair
Founder and ED of Faces of Hope of Virginia
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.
Human Resources Director, Washington County Schools
I am a dedicated person who loves helping others. I have worked in Human Resources for over 15 years and l love being that person who accepts the challenges the employee may be facing, and offering information to help solve the problem. I am a life-long learner and currently working for a K-12 public school district which is a different environment from working in higher education administration. I am a graduate of NC State University, University of Phoenix and University of Maryland Eastern Shore.
Dr. Andrea Wright
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.
Housing Services Manager (Office of Community Housing) Department of Behavioral Health & Developmental Services
Janna Wiener is currently the Housing Services Manager in the Office of Community Housing at the Department of Behavioral Health & Developmental Services where she oversees programs and staff that assist individuals with Intellectual or Developmental Disabilities lead successful and fulfilling lives integrated independently to their community of choice. Wiener holds a BS in International Hotel & Tourism Management and a MBA. She has worked in the affordable housing industry with special populations for over 15 years in the non-profit sectors as well as local and state government. Outside of work, she enjoys spending time with her family and traveling. She also speaks Spanish fluently.
President of Cartridge World USA
Greg Carafello began his career more than 41 years ago at Canon as a copier sales trainee, and rose through the ranks to become their youngest branch director at the age of 26. He and his wife went on to found their own company, AbraCadabra Color Copy Centers, which he sold after nearly two decades in business to focus on his franchising endeavors.
Greg has been part of the Cartridge World family as a Territory Master since July 2003. He brings with him a profound amount of knowledge with 41 years of experience in the printer hardware, fax, toner, large format, and franchising industries. Currently he serves as President and Co-Founder of Executive Franchise Group, LLC based out of New York City and is a franchising veteran.
Greg has vast expertise and skill as a master franchisee for several leading brands and currently serves as the first and only Area Representative for FastSigns International, Inc. and Principal Broker of First Choice Business Brokers of New York City. Likewise, he is a Certified Franchise Executive under the ICFE (Institute of Certified Franchise Executives) whose overall mission is to enhance the professionalism of franchising by endorsing the highest standards of quality training and education.
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).
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.
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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!