Supporting Your Path to Financial Stability and Homeownership
Credit Restoration Institute (CRI) provides housing counseling and financial education services designed to help individuals and families make informed housing decisions, improve financial capability, and achieve long-term housing stability.
Our counseling services are focused on education, guidance, and personalized action planning — all delivered in a professional and supportive environment.
We assist individuals preparing for homeownership by providing education and guidance on:
We support renters with:
Our counselors work with clients to:
We provide education on:
Note: Credit counseling services are educational in nature and are separate from any non-counseling services that may be offered.
For homeowners experiencing financial hardship, we provide:
Housing counseling services are provided at no cost or at a low cost to clients. Any applicable fees will be disclosed in advance.
Clients are not required to purchase or utilize any additional services to receive housing counseling.
Credit Restoration Institute is committed to providing fair, transparent, and accessible services.
We comply with the Fair Housing Act and do not discriminate on the basis of race, color, religion, sex, handicap, familial status, or national origin.
Clients are under no obligation to use any referred or affiliated services.
To schedule a housing counseling session, please contact us:
📞 (804) 823-9601
📧 mail@creditrestorationinstitute.com
Credit Restoration Institute provides housing counseling and financial education services. Any additional services outside of counseling are optional and not required to receive housing counseling.
Results are not guaranteed and will vary based on individual circumstances.
Very few people have ideal credit and credit worthiness has a huge effect on one’s mental health. Whether it’s one negative item or many, we advocate for you with the credit bureaus and your creditors to remove or correct your credit challenges.
Our process is streamlined to help you achieve maximum results as quickly as possible!
Credit Restoration Institute will create a personalized action plan and follow through to the completion of your credit repair. Along with offering sound financial advice, our system helps to change mindsets and habits, resulting in an overall improved financial profile and better credit worthiness.

Providing you top-of-the-line customer service is an essential part of our core mission.
This means you’ll have access to trained credit experts who can answer your questions and help you make sense of the complexities of credit.

We know that having access to basic human needs relies heavily on your credit score and that those with poor or bad credit end up in a cycle of debt leading to higher levels of anxiety, depression, and hopelessness. Dr. Cathie Hughes, Director of Credit Restoration Institute, researched and published The Impact of Creditworthiness on Financial Well-Being, Anxiety, Depression, Hopelessness, and Suicide and we use this valuable information to help lift you out of the cycle.
One of our credit experts will personally dig into the details of your credit reports to discover any negative, questionable items that may be holding you back. Our credit audit will give you all the knowledge you need to understand and address your credit situation
Credit can seem like a confusing paradox: you have to have good credit to get better credit. Our expertise can help you turn your credit around.
The more best practices you know, the better you’ll be able to rebuild your credit profile now and manage your credit and finances in the future.
Check Out Our Blog for helpful tips and guides.
You’re not alone. That’s a huge part of what makes CRA different. Our ongoing credit consultation service helps you ensure that you’re making the best choices.
We want you to know that you can count on the information we provide.
Craig McLeod, Client
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!

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!
Credit Restoration Institute
31 North Providence Road, North Chesterfield, Virginia 23235
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