Credit Restoration Associates Local Offices in -  Richmond  VA             Home of Credit Repair Richmond VA Virginia, and the CRA Credit Restoration Richmond VA Virginia System, Credit Repair Richmond, VA Virginia Credit Repair. Honest Credit Restoration Repair Richmond VA  Virginia  
 
    

About Us

 

Robert W Linkonis Sr..

Director of Results.



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 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,  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 Associates started to grow.

***  My years of experience, and my direct involvement with your case is the difference between Credit Restoration Associates 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. 

As a client,  you will enjoy extremely high quality credit improvement services. You will be able to talk with me anytime during business hours, and  I will be your personal credit repair coach. A new beginning is just a step away. Please call or email with any questions. I never charge for easy fixes and general good credit advice.  Send an email directly to me: Robert@CreditRA.com.   



Call today to set up your free credit consultation: 

Direct number: 804 - 370 - 7075        

Toll Free:   1-800-648-5157

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Nancy C. Linkonis
Human Resources Director - (boss lady)

Nancy and her creative team form the backbone of the CRA Credit Restoration System. A big part of our program's success  is that we don't send form letters to the credit bureaus.  Nancy and her team promise that each challenge to a misleading and inaccurate item on your credit report will be personalized and for maximum effect.
"The employees of Equifax, Experian, and Transunion are just people. Most are very nice - some aren't" Nancy states. "Our job is to use the human factor and convince them to remove the inaccurate negative items on your credit report. This is what we are very good at.

You really should enroll in the program. There are no long term contracts, only a monthly fee as long as we are working for you. We only bill after services are fully performed.

God bless,

Nancy


Please contact me directly for any billing issues. We always bill after services are performed. Because to this, there will be one final payment due at the end of case completion.  




"Call today -  What we are doing really works"!

Toll Free:   1-800-648-5157:  ext#102

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Clanton May
Senior Account Manager


Clanton has over 25 years of experience in Mortgage Lending,  Mortgage Servicing,  Debt Negotiation,  Sales Finance, Credit Card and Direct Loan Recoveries and Collections.

"If you have questions about personal credit or need to build Business credit, please give me a call at:  (804)-537-0411."


Here at Credit Restoration Associates we are poised and committed to putting our clients in the best position possible to obtain loan financing (from a FICO score perspective). Whether it is for a home loan or car financing we know some of the frustrations people go through when trying to get inaccurate information removed from their credit reports.

We know that these inaccuracies end up as a road block to getting their credit needs addressed properly.  We take the FDCPA and FCRA very seriously and we feel that those who report items on an individuals credit report should do the same.

When they don't, as is often the case, we do the "Heavy Lifting" for our clients. Please call my direct line for all details.



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Kathy J. Trejo
Account Manager

Bienvenidos a la Comunidad Hispana! 

Mi nombre es Kathy Trejo y yo soy un Gerente de Cuentas de CRA. Espero con interés en ayudarle con sus necesidades de reparación de crédito. No sólo le ayudará a reparar su crédito, también ayudamos en que la construcción de un nuevo crédito también. Déjame ayudarte a regrar tu crédito para astableserlo mejor hoy! Llámame al siguiente número para más información.



Kathy always knew that working with the public was her strong point. Her careers have been in the Automotive Industry, the Banking Industry as well as service with the City of Richmond. With her Spanish Language Skills, she has always been welcome in the Hispanic Community and invites everyone to come in to our local office at: 31 N Providence Road, North Chesterfield, VA 23235. Come visit me for a free credit report review and consultation!

Call my direct line: (804) 301-7102 for a completely free credit report review and complete credit consultation!



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Shante Toliver
Account Manager


Shante was a Mortgage Loan Officer for 14 years. This experience makes her uniquely qualified for her specialty  - "Fixing Credit for Loan Approval."

Shante enjoys assisting individual's reach their financial, home-ownership, and/or credit goals. Working in the position of Mortgage Loan Officer granted her the opportunity help her client achieve all of the above.

"Feel free to call with any questions about personal credit and about the loan qualification process.
I am honored to help you !


 
"Now that I am with Credit Restoration Associates, I have taken my skill set to a new level.  I can now help clients qualify for a purchase of any kind.

"I can now educate on how to develop business credit and find funding for your business in any situation. From personal to business credit - I am an expert.


Call me for personal credit assistance to qualify for a mortgage. Direct: (804)  572-8318 
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Nelson Phillips
Account Manager
Business Development Manager



Nelson has over 20 years of experience in the Mortgage Industry. Through this time he has helped many thousands of clients repair their credit and qualify for a mortgage. 

Nelson is a Personal credit repair EXPERT. Call him today for a FREE credit consultation. No where but here can you get advice from a professional at this skill level at absolutely no charge.   

Nelson's direct number: (804) -334-8338


In addition,  Nelson currently sits on the Board of Directors of the Virginia Association of Mortgage Brokers (VAMB).  This is the governing body of Mortgage Brokers for the State of Virginia. This means that we are the first to know about the ever changing mortgage laws and the many different mortgage underwriting guidelines. 


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