tag:blogger.com,1999:blog-62105955962371994652024-02-23T18:04:32.534-08:00The Credit Restoration Institute World Famous WeblogHome of Credit Repair Virginia, VA, and the CRI Credit Restoration System.
The Credit Restoration Institute (CRI) is a 501c3 Non-Profit Corporation. Robert Linkonis Sr.http://www.blogger.com/profile/17006194089617624003noreply@blogger.comBlogger168125tag:blogger.com,1999:blog-6210595596237199465.post-42655742918996063582023-06-28T18:30:00.003-07:002023-06-28T18:39:45.530-07:00Wishing you a joyful Independence Day!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhL1jpeVY4Jb5nu11xt1aB7cjJlnooWf-NFJwMNNEZPulfM8j0lRpYd71uFBoc4E4gzA-NUde9qK8mhmsmDzWZ043Z-cPA4OdKSgyuaDDHz4kd_ts9rIjna9Ix0GjbBXRZfLjK4C4qKJAZAQWXnFUL6wJ0_nubS6C53A9HtsaN8_wEa5Hre7Jy83U0Gpg0/s1200/CRI%20-%20July%2020232.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhL1jpeVY4Jb5nu11xt1aB7cjJlnooWf-NFJwMNNEZPulfM8j0lRpYd71uFBoc4E4gzA-NUde9qK8mhmsmDzWZ043Z-cPA4OdKSgyuaDDHz4kd_ts9rIjna9Ix0GjbBXRZfLjK4C4qKJAZAQWXnFUL6wJ0_nubS6C53A9HtsaN8_wEa5Hre7Jy83U0Gpg0/w400-h209/CRI%20-%20July%2020232.png" /></a><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Happy 4th of July!</span></h1>The Credit Restoration Institute wishes you and your loved ones a fun and safe 4th of July weekend! Check out these <a href="https://www.visitrichmondva.com/blog/post/fun-rva-festivities-for-the-4th-of-july/" rel="nofollow" target="_blank">family-friendly events</a> happening in Richmond to celebrate the holiday:<br /><ul style="text-align: left;"><li>Independence Day Celebration and Blast Fireworks : The Diamond | 6:35pm</li><li>Dogwood Dell 4th of July Celebration : Dogwood Dell (Byrd Park) | Time TBD</li><li>4th of July Fireworks at Kings Dominion : King's Dominion | 9:00pm</li></ul><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Become a CRI Volunteer!</span></h1><div><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMJtw1eq4K7BxkWx2qeoTM0V5NvSdB5YtmWj3tM_0sA_0Na0WvTmUVPDkJjRQusUH6CaLnuopgHvCZaIIqlmSKibYQl-3Uv_X8ni1b2TsQ8tgKB0r23yodFuMJwQcmMwPELmHe1Tza2AkPBheyaCXWq1JrGdYjZ-OXb09JGeh-fSx22-oReelOl6DeOq8/s1200/CRI%20June%202023%20newsletter2.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMJtw1eq4K7BxkWx2qeoTM0V5NvSdB5YtmWj3tM_0sA_0Na0WvTmUVPDkJjRQusUH6CaLnuopgHvCZaIIqlmSKibYQl-3Uv_X8ni1b2TsQ8tgKB0r23yodFuMJwQcmMwPELmHe1Tza2AkPBheyaCXWq1JrGdYjZ-OXb09JGeh-fSx22-oReelOl6DeOq8/w400-h209/CRI%20June%202023%20newsletter2.png" /></a><br /><br />Are you looking for a fulfilling way to contribute to your community? Tired of being cooped up at home and eager to make a difference? Look no further! We have an exciting opportunity for you to join our team as a volunteer and help us create a positive impact on the lives of individuals in need.<br /><br />If you're interested and would like to know more, <a href="https://creditrestorationinstitute.com/volunteer" rel="nofollow" target="_blank">click here for more details</a>.</div><div><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Student Loan Repayment is Restarting</span></h1><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2uK0DnJ-EuR93WGQrOK-nWHMF2csCSeEBknkmfLXXoCdaOu6_eRpSY6yjbTw4_qbe7En0TS2T-Yz8vSPphxUXyFE7zls_IvvHEHd_AT9PCQ1nIPrA-xhqqY_Z0EwdhIZc6XGOMQWijMwR69LXidFiLTO_BlVIn1tYBhmdkmuCV3AwjWP0qtVOz6ddqls/s1200/CRI%20June%202023%20newsletter3.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2uK0DnJ-EuR93WGQrOK-nWHMF2csCSeEBknkmfLXXoCdaOu6_eRpSY6yjbTw4_qbe7En0TS2T-Yz8vSPphxUXyFE7zls_IvvHEHd_AT9PCQ1nIPrA-xhqqY_Z0EwdhIZc6XGOMQWijMwR69LXidFiLTO_BlVIn1tYBhmdkmuCV3AwjWP0qtVOz6ddqls/w400-h209/CRI%20June%202023%20newsletter3.png" /></a><br /><br />Student loan payments have been paused for three years and even when the U.S. Department of Education discussed starting the payment process again, it never came to fruition. However, Americans now find themselves faced with the reality of a resume. The Education Department website's states that "<a href="https://studentaid.gov/">payments will be due starting in October</a>," and a recent law passed by Congress will make it difficult to bring action against the order.<br /><br />“For many borrowers, the payment pause has been life altering — saving many from financial ruin and allowing others to finally get ahead financially,” said Persis Yu, deputy executive director at the Student Borrower Protection Center. Roughly 40 million Americans have student loan debt. A typical monthly bill is roughly $350, when the payments start again it is likely many Americans will struggle to adjust.<br /><br /><a href="https://www.cnbc.com/2023/06/20/its-official-student-loan-payments-will-restart-in-october.html" rel="nofollow" target="_blank">Click here to read the full article</a>.<br /><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Using Credit Cards to Help with Your Summer Vacations</span></h1><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqCJ3fyK9WwN5XXF9URxpo1ksq-DVQYsP7I09JVLar3y6cePLWeLSRSOqWqXtIhJdmPgo98GmjZaxbbSD7sAehjem2ldTbZlQsQRJo7Z48rL8BHrfurCxcgVL5m9l3nuJTj0N8crw5BTtGhBKUAgMNcVOwS7-bRq3V9NcupEFQa9pnD8xRDX2oTaeLBrY/s1200/CRI%20-%20July%2020231.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqCJ3fyK9WwN5XXF9URxpo1ksq-DVQYsP7I09JVLar3y6cePLWeLSRSOqWqXtIhJdmPgo98GmjZaxbbSD7sAehjem2ldTbZlQsQRJo7Z48rL8BHrfurCxcgVL5m9l3nuJTj0N8crw5BTtGhBKUAgMNcVOwS7-bRq3V9NcupEFQa9pnD8xRDX2oTaeLBrY/w400-h209/CRI%20-%20July%2020231.png" /></a><br /><br />Summer is here and it's time for vacations! Whether you are planning to take a family, solo, or a romantic trip, lately record-breaking inflation rates are causing travel costs and gas prices to dramatically increase, making it more difficult for just about anyone to afford a trip.<br /><br />Implementing small but mighty steps like limiting unnecessary spending and cutting back on takeout can help save but don’t bypass the benefits your credit cards may offer to help you get away for less. Click the link below to check out these 12 ways credit cards can help you save on a summer vacation.<br /><br /><a href="https://www.cardrates.com/advice/ways-credit-cards-help-you-save-on-summer-vacations/" rel="nofollow" target="_blank">Read More</a><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEKKt8a2Wi9-wM4EsrMqgaD3Y2BeKw0BlM9PHqQsMrV5Pm8UFRbEE-a1YyAVdrInx-XDW7QCVnGiFc9nWcqtPywHEUwqzrx9LXDodgaxXXJ3fo-O63pu4GLB7iki4ZVlEWfKHzMfgl57jopjalceg6k68dw2wVFLLcb0KPgocW_9SD9uKW1FQE3P_20N8/s1200/CRI%20April%202023%20newsletter1.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEKKt8a2Wi9-wM4EsrMqgaD3Y2BeKw0BlM9PHqQsMrV5Pm8UFRbEE-a1YyAVdrInx-XDW7QCVnGiFc9nWcqtPywHEUwqzrx9LXDodgaxXXJ3fo-O63pu4GLB7iki4ZVlEWfKHzMfgl57jopjalceg6k68dw2wVFLLcb0KPgocW_9SD9uKW1FQE3P_20N8/w400-h209/CRI%20April%202023%20newsletter1.png" /></a><br /><br /></div><div>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. You, too, can improve your credit. </div><div><br /></div><div><a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">Read More about Creditworthiness</a><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiib0kCJZ3j-YYqDajjPu9C7UdG9caHk--vXLRDt9m7mYjDeROBZVa0cUnvFTV9RXYnD1EXR0vS5eBHuWp32HlSxHOOfP9NmGyG7LA_1W1s36H1Mm2hZNc0tzo0S8mbBoalZaLNJuyomTQJa6Nek-d3Zkp_smWjVsbb7dCbm8AzNptlFeWPtOUSaVudLIQ/s600/Credit%20Institute%20Newsletter%20(ourservices).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiib0kCJZ3j-YYqDajjPu9C7UdG9caHk--vXLRDt9m7mYjDeROBZVa0cUnvFTV9RXYnD1EXR0vS5eBHuWp32HlSxHOOfP9NmGyG7LA_1W1s36H1Mm2hZNc0tzo0S8mbBoalZaLNJuyomTQJa6Nek-d3Zkp_smWjVsbb7dCbm8AzNptlFeWPtOUSaVudLIQ/w400-h209/Credit%20Institute%20Newsletter%20(ourservices).png" /></a><br /><br />Give us a call today to start your credit repair journey!</div><div><br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a></div><div><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><br /><br /><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcLPr3NZezmQ5o59pNOm0T5bnDvDI74Uh5Ls781L7NRspEptF1BAnkZ1iC2pu4VeyBfjG0J-hRqaST2a_hplAtbhfrO2PdTkDfDwKXk0CFfbvrnZid9eLNbzjN_6pvPwrRJzZd4xq_cpeJ9QzY8P8Dmuel4F21y3wgbl2qSNKIMiwEGspe8MviUM71BAg/w400-h209/15.jpg" /></a><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /></div></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-25413013345405744222023-06-13T14:01:00.003-07:002023-06-13T14:07:31.394-07:00CRI Is Seeking Volunteers, Join Today!<br /><div class="separator" style="clear: both;"><img alt="Credit Restoration Institute wishes you Happy Father's Day" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbHHdOMnFhgKHun7nIQD6zJou6bjU-hHukGb5KXDXNZptHEW27LqSe0GGOk4phcMtJWTp6Ci6ZURG55DTbRUUe0xdLIjOceW86PyJXRbphZT8bV18tbMs0slOiOKpX9IwMDUUQCYulOEs6Ky5SVloBY3GxZooNMH5J9cF1dQCtgytiN-RKrZVOVm57/w400-h209/CRI%20June%202023%20newsletter1.png" title="Credit Restoration Institute wishes you Happy Father's Day" width="400" /></div><h1 style="text-align: left;"><span style="color: #0b5394;">Happy Father's Day!</span></h1><h3 style="text-align: left;"><span style="color: #0b5394;">The Credit Restoration Institute wishes you and your loved ones a special Father's Day! Cheers to those important men in your lives. </span></h3><div><span style="color: #0b5394;"><br /></span></div><br /><div class="separator" style="clear: both;"><img alt="Become a Credit Restoration Institute Volunteer" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvsdz69bl5aD22QBDh8HzoI3Q2Qp_LGqOdaaq7UxmJKadMV8oZJbx0_7EBKFhetDipjeHzA2352J8uU1rmaX9iwVRMT65_H3QqOy48nI267TIlP2kt3EaZgcKNIyI-Z56SUkAo83FCxYDZDZ7XpzCMMsZXgnF4ufu_OTxCATdqUIFGMVlwQq7dSP7t/w400-h209/CRI%20June%202023%20newsletter2.png" title="Become a Credit Restoration Institute Volunteer" width="400" /></div><h1 style="text-align: left;"><span style="color: #0b5394;">Become a CRI Volunteer!</span></h1><div>Are you looking for a fulfilling way to contribute to your community? Tired of being cooped up at home and eager to make a difference? Look no further! We have an exciting opportunity for you to join our team as a volunteer and help us create a positive impact on the lives of individuals in need.<br /><br />If you're interested and would like to know more, click the button for more details.<br /><br /><a href="https://creditrestorationinstitute.com/volunteer" rel="nofollow" target="_blank">Volunteer Today</a><br /><br /><br /><div class="separator" style="clear: both;"><img alt="In the news - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAf8CUKl0X-wx4vJGNMZZYtWyps9tTI4DTRELPBShmvgYwsQ4t0ERdDnh2tpN46XxhWLgMdaLzGgnI2-B4FqmrC3g7v5DriiWrf7WAo6HPzZE-BX0KPkzPq112g3hsNmYrUpqGyVTF-gyyIIz8hcsBI8UriswD7yIZc3_cjMdtAMJnQlqp3KpQkjBm/w400-h209/CRI%20June%202023%20newsletter3.png" title="In the news - Credit Restoration Institute" width="400" /></div><h1 style="text-align: left;"><span style="color: #0b5394;">Biden Signs Debt Ceiling Deal Into Law</span></h1>President Joe Biden has recently signed into law the <a href="https://www.cnn.com/2023/06/03/politics/white-house-strategy-debt-ceiling/index.html">bill</a> that will suspend the nation's debt limit through January 1, 2025, to observe a never-before US default. Pausing the debt limit takes the threat of default off the table until after next year’s presidential election. In addition to addressing the debt limit, the law focuses on non-defense spending, work requirements for food stamp recipients and the use of covid-19 relief funds, among other policy provisions.<br /><br />“<i>I just signed into law a bipartisan budget agreement that prevents a first-ever default while reducing the deficit, safeguarding Social Security, Medicare, and Medicaid, and fulfilling our scared obligation to our veterans</i>,” Biden said in a tweet, which was accompanied by a short video of him signing the bill.<br /><br />Click below for more information on the new bill. <br /><br /><a href="https://www.cnn.com/2023/06/03/politics/biden-signs-debt-ceiling-deal/index.html" rel="nofollow" target="_blank">Click Here For More Information</a><br /><br /><br /><div class="separator" style="clear: both;"><img alt="Don't Store Cash in Digital Wallets - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiASomp9j28RBF__l1VSi28rRc6igI2y4JtnlhPDrDsi4FP0GujXKByW8RijMBB13WuI0nhMws1xai6Lae5h5hDC9FDWWtV64beC1TV1ssnwRqOc1as9DU5_t7_3H_6THurenj2cAG20t8MaYjOUWI-GVfBKNFwcDjKGySSBTaqIlENfvD4NfediTqh/w400-h209/CRI%20June%202023%20newsletter4.jpg" title="Don't Store Cash in Digital Wallets - Credit Restoration Institute" width="400" /></div><h1 style="text-align: left;"><span style="color: #0b5394;">Don’t Store Cash in Venmo, PayPal, and Other Payment Apps, Financial Watchdog Warns </span></h1>The Consumer Financial Protection Bureau (CFPB) advises against storing money in nonbank peer-to-peer payment apps like Venmo, Paypal, and CashApp due to the lack of automatic government insurance. As the popularity of payment apps grows, with over three-quarters of U.S. adults using them, CFPB director Rohit Chopra emphasizes that these services are being used as alternatives to traditional bank accounts but do not offer the same level of fund protection and safety measures.<br /><br /><a href="https://www.theepochtimes.com/dont-store-cash-in-venmo-paypal-and-other-payment-apps-financial-watchdog-warns_5316647.html?welcomeuser=1" rel="nofollow" target="_blank">Read More</a></div><div><br /></div><div><br /></div><div class="separator" style="clear: both;"><a href="https://creditrestorationinstitute.com/services" rel="nofollow" target="_blank"><img alt="Our Services - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvUQNTgQQGTNWv_3Jcvupzd8bHP7UUK2lmM4zJL9bu6D_EWtrVOn4FkggF2NJlx91U9A3sQy1MKUuTUXUmsXzPlAmDiCvWHsvjcOav7OWce2XuSWP_3t9KBEnZhRPxWvLqg9MP51EoKOfFTG8dl6gNg0vtsnHYYNUrCraurGWyJZiwanPszF48mdn_/w400-h209/Credit%20Institute%20Newsletter%20(ourservices).png" title="Our Services - Credit Restoration Institute" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div>Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><div><br /><div><br /><div class="separator" style="clear: both;"><img alt="Contact us - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgY9bS9hY6FuakwXpQCBMolvvcfeI9mEDhdTQKN42zH2DYv9MYGoPZ5No3CdSlQxc8SNcEl9tEpzFZ_VljcEH9BW7JM1rOxIsbwmkHVqKdnUIyZhWQDhM_H5wVsWKEsNmOD-q7HW_9gkp-FSaEoCIu4YmuWj4UMbPi0IN9TQi-PnAUxAR3pWm8meaWF/w400-h209/contactUsjune.jpg" title="Contact us - Credit Restoration Institute" width="400" /></div><br /></div></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0tag:blogger.com,1999:blog-6210595596237199465.post-3935169186483643712023-05-10T14:14:00.010-07:002023-05-10T14:25:43.265-07:00May Newsletter 2023<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEHkkiD0rcq7QrdFeZoKyDKnkZnH3uKY8JnP6JfbHdcKAcwq1woVdVX8I71m6hRNIIbpgjSE5RPZLnIJbyNNTMiqxIuGZxwFjoDkioLlGQblBqkfPCAPUp_vNb-rFIAv9LTl0uvP052ShUrAcM6JT5xSIBX1WYj_acRncUX4smKai3S0qX5X_iY78n/s1200/CRI%20-%20mothers%20day%202023.png"><img alt="Happy Mother's Day from The Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEHkkiD0rcq7QrdFeZoKyDKnkZnH3uKY8JnP6JfbHdcKAcwq1woVdVX8I71m6hRNIIbpgjSE5RPZLnIJbyNNTMiqxIuGZxwFjoDkioLlGQblBqkfPCAPUp_vNb-rFIAv9LTl0uvP052ShUrAcM6JT5xSIBX1WYj_acRncUX4smKai3S0qX5X_iY78n/w400-h209/CRI%20-%20mothers%20day%202023.png" title="Happy Mother's Day from The Credit Restoration Institute" width="400" /></a><br /><h1 style="text-align: left;"><span style="color: #a64d79;">Happy Mother's Day!</span></h1>The Credit Restoration Institute<br />wishes you and your loved ones a special Mother's Day with the lovely ladies in your lives! <br /><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Join Our Membership Committee!</span></h1><h1 style="text-align: left;"><span style="color: #0b5394;"><a href="https://creditrestorationinstitute.com/join-committee" rel="nofollow" target="_blank"><img alt="Join our membership committee - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKqMWU90DPD9GM2QqkjX-Dliq45Jnkk2mAijQbr_mklHuuMOctzS6Bi7e0dDeJflrgCxTo_7R1gvlAqpmrxJZaPm7sdigXfDYM1M5iU6lT6f1HJUJ__oZdlBzH-MUZcZQXKGfABxSzkPYuPwnJNPVGp3_PLkIJSImm2AH_LWuD5tLBmGCYnycqG8bk/w400-h209/CRI%20-%20Join%20Membership%20Committee.jpg" title="Join our membership committee - Credit Restoration Institute" width="400" /></a></span></h1>We're looking for passionate people to join our standing committees to offer a helping hand in several business-critical projects as we work to advance our mission of bettering lives through credit restoration. Individuals with any level of skill, experience, or interest in the following topics: branding, social media, program development, financial management, human resources, event planning, or board governance are welcome to apply. The monthly time commitment is estimated at four hours per month including bi-monthly meetings.<br /><br />Please complete the application below in its entirety and submit by Friday, May 26th. We estimate that this form should take no more than 15 minutes to complete.<br /><br />In the meantime, please visit our website: <a href="https://creditrestorationinstitute.com/"><span style="color: #2b00fe;">www.creditrestorationinstitute.com</span></a> for more details about the organization. <a href="https://creditrestorationinstitute.com/join-committee" rel="nofollow" target="_blank"><b><span style="background-color: #cfe2f3; color: #2b00fe;">Apply Here</span></b></a><br /><br /><br /><h1><span style="color: #0b5394;">Mortgage Fees Are Changing For Homebuyers Soon</span></h1><div class="separator" style="clear: both;"><img alt="Mortgage Fees - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6OQyBlEVQcAEItoodMGzO2kM3DuXawoRE7PTPU-Yv_FQM_L597_covy00IjHgoa9j2n_M9eoKZVXn6iJa4pr2_CqGGFooTChK0G6U9IO-kRSjwSuiSRez5rXjORI5L1okNGCphBUHTiVU7z7HqOMb-90GwQ8aqv4C9ptriPJCynYD7VmvMz5hmTd6/w400-h209/Credit%20Restoration%20Institute%202023%20March%202.png" title="Mortgage Fees - Credit Restoration Institute" width="400" /></div><br /><div>If your summer plans included budgeting for a new home, make sure you prepare for the new changes to the mortgage fees coming this month. According to <a href="https://www.usatoday.com/story/money/personalfinance/2023/04/23/mortgage-fee-structure-change-may-2023/11713841002/">USAToday</a>, starting May 1, upfront fees for loans backed by Fannie Mae and Freddie Mac will be adjusted because of changes in the Loan Level Price Adjustments (LLPAs). These are the fees that vary based on a borrowers credit scores, <a href="https://www.usatoday.com/story/money/2022/08/31/bank-america-mortgage-la-miami-dallas/7952652001/">down payments</a>, types of home and more. With these changes, borrowers can expect to see differences related to their credit scores and an effect in their downpayment sizes.</div><div><br />"In some cases, people with higher credit scores may end up paying more while those with lower credit scores will pay less," quotes the article. <a href="https://www.usatoday.com/story/money/personalfinance/2023/04/23/mortgage-fee-structure-change-may-2023/11713841002/">The article</a> focuses on what exactly the fee changes are, the loans the fees are being applied too, why these changes are being made, and if these changes could be seen as positive or negative changes to the potential home buyer entering the market. <br /><br />If you're looking to buy a home, click the button to learn more. <br /><a href="https://www.usatoday.com/story/money/personalfinance/2023/04/23/mortgage-fee-structure-change-may-2023/11713841002/">Click Here For The Full Story</a><br /><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Happy Memorial Day!</span></h1></div><div><img alt="Memorial Day - Credit Restoration Institute" border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIf2K1-k8yvRjO1_9f-driFPxZ6pOjqPJ2Z3g8OPWsxjIjV30xMrKYFmBwJnJgtz1QSFIyxDAZsly3XGzGMGeSPCEFv3yxwXDl5Xmsyvv9nLPCRHfTtbywrLlosHZvBb-mbquesDdErauXBMqpHJI_ppyjrkyUqRosgJMc8rkuRZhjuHbskLjRZ3EY/w400-h209/Memorial%20Day%20-%20Credit%20Restoration%20Institute.png" title="Memorial Day - Credit Restoration Institute" width="400" /></div><br /><div>The Credit Restoration Institute sends our love and thanks to the family members of those who have graciously served our country. Here are some events happening around the city for you to enjoy over the holiday weekend with family and friends: <br /><br /><a href="http://www.jamesrivercellars.com/event-calendar-1/2018/12/9/oreo-cookie-amp-wine-wars-h9sdt-xyybz-l4jxd-ernw5-aswg2-dspmd">Wine and Bundtini Flights</a> : Monday, May 29th 11AM <br /><a href="https://henrico.us/calendar/sandston-parade-2023/">Sandston Parade</a>: Monday, May 29th 1PM <br /></div><div><br /></div><div><br /></div><div><h1><span style="color: #0b5394;">Real Results!</span></h1></div><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTWC2jU4aCnf6UG5V_t16ZexBuL7Sb4Ekb-wfe8mjvut1qyAAsFoQJOaK3cAZ6i_jchpLnh3jSSkIRdSMb6-oq54aKP8Z0mh05Ld7sixsrsK-DL25MokT4HMspSGutb_jEWQejCthj3naH4hf1UI55gAIoIojCWUlve7-NO3nVr4bsvKiIpSkF0PoN/w400-h209/CRI%20April%202023%20newsletter1.png" /><br /><br />Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. You, too, can improve your credit. <br /><br /><a href="https://creditrestorationinstitute.com/credit-worthiness-1">Read More About Creditworthiness Here</a><br /><br /><br /><div class="separator" style="clear: both;"><img alt="Our Services - Credit Restoration Institute" border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-1ZM-HVCdY0O3XnbfEFf6zlYJuKA4umQrSJiBP6nrfmD6_SbzZTAPI-oBYCMEOOTEjkagyg7eqvhyUoLf-4sBdSqkpv3ZMyM6fdMN1dYWgznSiHQepIchybgx1_M7dGrk4Kl5H3GNteIql9Q_u4mKevF5sDqKCAZQNzThfZqRsYdfv3VAT1sM0zdb/w400-h210/Credit%20Institute%20Newsletter%20(ourservices).png" title="Our Services - Credit Restoration Institute" width="400" /></div><div class="separator" style="clear: both; text-align: center;"><br /></div>Give us a call today to start your credit repair journey!<br /><br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><div><div><br /><div class="separator" style="clear: both;"><img alt="Contact us - Credit Restoration Institute" border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkLB5Gs8wJf2SGrPcvVfYSgqRrGme15CY0CdMLhr3StxnP6juqrO4f7HioYJKboah5XmYLJZoEUL_AJ865nXsl8Mdala3zwKwmwbvkUbU2Y2M75_9nrbvgJafhcr1o9b_TCbZ8KbdU1TOvsQsaYyIEtW0cynxBfbeJjQznDqjvBSG2GPsauMf0j7GE/w400-h210/November%2020212.png" title="Contact us - Credit Restoration Institute" width="400" /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /></div></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-41551277722115829362023-04-12T10:55:00.016-07:002023-04-14T07:31:04.518-07:00Credit Restoration Institute Welcomes Greg Carafello to Board of Directors<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhF2r-geMQ6jgHqAzyj33suX9tPAs4JWaaeR7wQs10ZEtHwYgp02Us3eVRldb8JiRZQcgIGiJcnnW-ZrgaDyI2fcpYC0wDWPeS3MKOqDsH0R2s-BH-mVJsx4azQYE_6XmO4YhzCpfK10a4cr2hLOsL6ULZ5TIT_Sdm5URACYIINgDAWfoDEAKcEqVCV/s1200/Credit%20Institute%20Newsletter%20(3).jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Restoration Institute Welcomes Greg Carafello to Board of Directors" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhF2r-geMQ6jgHqAzyj33suX9tPAs4JWaaeR7wQs10ZEtHwYgp02Us3eVRldb8JiRZQcgIGiJcnnW-ZrgaDyI2fcpYC0wDWPeS3MKOqDsH0R2s-BH-mVJsx4azQYE_6XmO4YhzCpfK10a4cr2hLOsL6ULZ5TIT_Sdm5URACYIINgDAWfoDEAKcEqVCV/w400-h209/Credit%20Institute%20Newsletter%20(3).jpg" title="Credit Restoration Institute Welcomes Greg Carafello to Board of Directors" width="400" /></a></div><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Credit Restoration Institute Welcomes Greg Carafello to Board of Directors</span><div class="separator" style="clear: both; text-align: center;"><br /></div></h1><div class="separator" style="clear: both; font-size: large; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgP_83SRwBuyp09gU9FcOnnU3lMJBF9Pk9S0mWWpdie4CLO9kHgpVVIjtcMY5fyWdNYDlKspZRElOsq8xWnZ_sXZhv3CvyT4UJ_Vw-0R5X9ub0YADbvltFt99ySTJy7F5xPLfCyLcUq0Lri_0f11JCO-2l4SN_TZ_Zy4-LVhdblFt0gKaOLkGxSE_dF/s1600/Greg-pic.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1067" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgP_83SRwBuyp09gU9FcOnnU3lMJBF9Pk9S0mWWpdie4CLO9kHgpVVIjtcMY5fyWdNYDlKspZRElOsq8xWnZ_sXZhv3CvyT4UJ_Vw-0R5X9ub0YADbvltFt99ySTJy7F5xPLfCyLcUq0Lri_0f11JCO-2l4SN_TZ_Zy4-LVhdblFt0gKaOLkGxSE_dF/w133-h200/Greg-pic.jpg" width="133" /></a></div>North Chesterfield, VA] - Credit Restoration Institute (CRI), a non-profit credit repair agency dedicated to improving the lives of individuals and communities through education and individual counseling, is pleased to announce the addition of Greg Carafello to its Board of Directors.<br /><br />As President and Co-Founder of Executive Franchise Group, LLC, based out of New York City, Carafello brings over four decades of expertise and skill in the franchising industry, having served as a master franchisee for several leading brands. He is also a Certified Franchise Executive under the Institute of Certified Franchise Executives (ICFE), endorsing the highest standards of quality training and education.<br />CRI's Board of Directors is responsible for governing the organization through policy and strategic goals creation, fundraising and relationship development, and general organizational oversight.<br /><br />"We are thrilled to welcome Greg Carafello to our Board of Directors," said CRI's Executive Director Robert Linkonis. "His extensive experience in the franchising industry and commitment to enhancing the professionalism of the field through quality training and education make him an invaluable asset to our team. We are excited to work with him to continue advancing our mission of serving our community through education and individual counseling that results in improved credit scores and better lives."<br /><br />Individuals interested in learning more about Credit Restoration Institute's programs and services or applying to join the Board of Directors can visit the organization's website at <span style="color: #0000ee;"><u>https://creditrestorationinstitute.com/application-for-bod</u></span><br /><br />Contact: Robert Linkonis, Credit Restoration Institute, 31 North Providence Road, North Chesterfield, Virginia 23235 Phone: <a href="https://www.google.com/search?q=credit+restoration+instituate+richmond&rlz=1C5CHFA_enUS838US838&oq=credit+resto&aqs=chrome.0.69i59l2j69i57j69i59j69i60l3.2185j0j9&sourceid=chrome&ie=UTF-8#">(804) 823-9601</a> Email: <a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><br /><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEXCj5cJyQ8VhsWh5POI-yUG8kbg_oRf7JIf_qN7EB0C3xzU5W9mPHGOK-GebU_6PhplmQVE6hTCxbBTYPtdLCnSfEUr6GBWULEK7_5wyeBsqHfbflmD1ecuz0aKzVnEKMxrOE9bFudVyCAIZssnMnscIh80V9V9XwFx7L6NR1SEnYWAouHjfqsMht/s1200/CRI%20April%202023%20newsletter2.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Homeownership Down Payment Assistance Program (DPA)" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEXCj5cJyQ8VhsWh5POI-yUG8kbg_oRf7JIf_qN7EB0C3xzU5W9mPHGOK-GebU_6PhplmQVE6hTCxbBTYPtdLCnSfEUr6GBWULEK7_5wyeBsqHfbflmD1ecuz0aKzVnEKMxrOE9bFudVyCAIZssnMnscIh80V9V9XwFx7L6NR1SEnYWAouHjfqsMht/w400-h209/CRI%20April%202023%20newsletter2.png" title="Homeownership Down Payment Assistance Program (DPA)" width="400" /></a></div><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Homeownership Down Payment Assistance Program (DPA)</span></h1>The HOMEownership Down Payment and Closing Cost Assistance Program (DPA) provides financial assistance to first-time homebuyers on adjustable gap terms. This program allows homeowners to purchase homes at or below 80% of the area median income (AMI) and to expect homes that are safe, of quality, and attainable. Assistance is provided in the form of a grant with a mandatory “affordability period” for applicants to continue to claim the house as their primary residence. An income-eligible homebuyer may receive up to 10% or 15% (within the established approved areas by DHCD) of the sales price, plus up to $2,500 to pay for the cost of closing (e.g. attorney’s fee, title insurance, taxes as needs demand).<br /><br />Eligible applicants: Qualify as a first-time Homebuyer; Receive homeownership counseling from a HUD-certified agency and HUD-certified Housing Counselor; Complete a HUD-certified Homebuyer Education Course through a Virginia Housing or Neighborworks® certified course; Demonstrate that their income does not exceed 80 percent of the AMI; Have a median credit score of 620 or higher and debt to income ratio that does not exceed 43%; Contribute one percent of the sales price of the home from their personal funds if the income is between 50%-80% of the AMI, and if the income is less than 50% of the AMI, they can contribute $500 towards the purchase of the home.<br /><br />If you are a first-time homebuyer this could be a valuable resource. Click the button to learn more. <br /><br /><a href="https://www.dhcd.virginia.gov/dpa">Click Here For The Full Report</a><br /><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Current Inflation Trends</span></h1>According to the International Monetary Fund Global inflation is expected to fall from 8.8% in 2022 to 6.6% in 2023 and 4.3% in 2024, still above pre-pandemic (2017–19) levels of about 3.5%. In their recent January article, they projected the fall of global growth from an estimated 3.4% in 2022 to 2.9% in 2023, then a rise to 3.1$ in 2024. <br /><br />The possibility of risk is still high but a drop in inflation numbers is still possible. There are many factors that play a role in the outcome of the financial standing of the average consumer such as international health concerns, current military involvement, and stricter financing costs across global markets.<br /><br />Click the button below to learn more. <br /><br /><a href="https://www.imf.org/en/Publications/WEO/Issues/2023/01/31/world-economic-outlook-update-january-2023#:~:text=Global%20inflation%20is%20expected%20to,levels%20of%20about%203.5%20percent.">Read More</a><br /><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKaKXeWjOAsSK0XwrvkGxlsJFVXSNNM6m6lKt3rFpg2tXortpq2V1D9fY8yd5Iqe9C-1cJTFs419khdtyahgmIevjBt-Up8UBmvLLwdxUpOrayMImbAj25mdT870IrkoGt2OV1VcskHpaq-9EfEAOzsy24Y2TbfAQEzCG6wicRekTH6QLJoYE6_Jdc/s1200/CRI%20April%202023%20newsletter1.png" style="margin-left: 1em; margin-right: 1em;"><img alt="REAL RESULTS - Credit Restoration Institute" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKaKXeWjOAsSK0XwrvkGxlsJFVXSNNM6m6lKt3rFpg2tXortpq2V1D9fY8yd5Iqe9C-1cJTFs419khdtyahgmIevjBt-Up8UBmvLLwdxUpOrayMImbAj25mdT870IrkoGt2OV1VcskHpaq-9EfEAOzsy24Y2TbfAQEzCG6wicRekTH6QLJoYE6_Jdc/w400-h209/CRI%20April%202023%20newsletter1.png" title="REAL RESULTS - Credit Restoration Institute" width="400" /></a></div><br />Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. You, too, can improve your credit. <br /><br /><a href="https://creditrestorationinstitute.com/credit-worthiness-1">Read More About Creditworthiness Here</a><br /><br /><br /><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcKkZdScwrtGiqs0uA4KfWrYJ0HJ5-NIzpLGB7vRjpFxxBR_JS_ElxgkN5XAo8OSZ7LOOuyyJQFjKtVkzndEScgwCjg46F8Q0MEbsl4G7Sb29WVHIXtMrXOuprqSNFPT74kLBtnzGOz2dkfkdhWUtmELWIW6sbB_2pm8Hx7cM2MWCu_wb4t2D_pPVS/s1200/November%2020212.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Contact us - Credit Restoration Institute" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcKkZdScwrtGiqs0uA4KfWrYJ0HJ5-NIzpLGB7vRjpFxxBR_JS_ElxgkN5XAo8OSZ7LOOuyyJQFjKtVkzndEScgwCjg46F8Q0MEbsl4G7Sb29WVHIXtMrXOuprqSNFPT74kLBtnzGOz2dkfkdhWUtmELWIW6sbB_2pm8Hx7cM2MWCu_wb4t2D_pPVS/w400-h209/November%2020212.png" title="Contact us - Credit Restoration Institute" width="400" /></a></div><br />Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601"><div class="separator" style="clear: both; text-align: center;"><br /></div>(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><br /><a href="https://creditrestorationinstitute.com/contact-us">Fill out this easy form on our website</a><br /><br /><br /><br /><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background-color: #e8e9eb; border-collapse: collapse; border-spacing: 0px; color: black; font-family: Georgia, Times, "Times New Roman", serif; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td bgcolor="#ffffff" class="m_1229829404572741792container" style="background-color: white; box-sizing: border-box; margin: 0px;"><br /></td></tr><tr bgcolor="#ffffff" style="background-color: white; box-sizing: border-box;"><td class="m_1229829404572741792container" style="box-sizing: border-box; margin: 0px;"><br /></td></tr></tbody></table><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-7739568441103422023-03-13T14:32:00.002-07:002023-03-13T14:35:08.344-07:00How Americans and Their Mortgages are Being Affected!<h1 style="text-align: left;"><span style="color: #38761d;">Happy St. Patrick's Day!</span></h1><br /><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2SnUCCdsEwKmBGzwzUZ8lV1MRM8qgm6c_xBLONI922f8FGUcm9Ug-ByN1Egn5g56GHVXjCHGMRXLO2vOq48WzDetohbzDni60G80aKQZouUDFcc2-iUYdaN7Z4DtW2tu3Dz7e9HOELCGpA8JKLg2gylYO6VtVtXHIsGswyzULDRnZN1H8atI8_qzn/s1200/Credit%20Restoration%20Institute%202023%20March%201.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Happy St. Patrick's Day from Credit Restoration Institute" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2SnUCCdsEwKmBGzwzUZ8lV1MRM8qgm6c_xBLONI922f8FGUcm9Ug-ByN1Egn5g56GHVXjCHGMRXLO2vOq48WzDetohbzDni60G80aKQZouUDFcc2-iUYdaN7Z4DtW2tu3Dz7e9HOELCGpA8JKLg2gylYO6VtVtXHIsGswyzULDRnZN1H8atI8_qzn/w400-h209/Credit%20Restoration%20Institute%202023%20March%201.png" title="Happy St. Patrick's Day from Credit Restoration Institute" width="400" /></a></div><br /><br />The Credit Restoration Institute wishes you and your loved ones a Happy St. Patrick's Day. We hope you have a fun day full of celebration.<br /><br /><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLEGyf4UW8x4uCK40I-AMnPyQtQVdA0NAOTFYIBxzAeGrMbEmoY-eQka4Rb1QWTmIFGC6XSquQPO66CnSWIe0uPx01n8S-lLG6yJ_I6kifvL9BY5uXH3V4fth4IF8kGmCY9gHADlbB_ANry-5jfBCGHqrn_yfRrx5sakYMmTiObUuYAebB_Zjb1JDZ/s1200/Credit%20Restoration%20Institute%202023%20March%203.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Activities for St. Patrick's Day - Credit Restoration Institute" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLEGyf4UW8x4uCK40I-AMnPyQtQVdA0NAOTFYIBxzAeGrMbEmoY-eQka4Rb1QWTmIFGC6XSquQPO66CnSWIe0uPx01n8S-lLG6yJ_I6kifvL9BY5uXH3V4fth4IF8kGmCY9gHADlbB_ANry-5jfBCGHqrn_yfRrx5sakYMmTiObUuYAebB_Zjb1JDZ/w400-h209/Credit%20Restoration%20Institute%202023%20March%203.png" title="Activities for St. Patrick's Day - Credit Restoration Institute" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div>Looking for festivities around town to celebrate? Check out some fun options <a href="https://www.google.com/search?q=st+patrick%27s+day+events+richmond+va+2023&rlz=1C1DIMC_enUS837US837&oq=&aqs=chrome.2.69i59i450l8.649144005j0j15&sourceid=chrome&ie=UTF-8&ibp=htl;events&rciv=evn&sa=X&ved=2ahUKEwjottn2zM_9AhWBF1kFHdC8APUQ8eoFKAJ6BAgJEA8#htivrt=events&htidocid=L2F1dGhvcml0eS9ob3Jpem9uL2NsdXN0ZXJlZF9ldmVudC8yMDIzLTAzLTE3fDc4MzU4MzE0NTAxMjMyMzc2MDU%3D&fpstate=tldetail">HERE</a>.<br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;"><br /></span></h1><h1 style="text-align: left;"><span style="color: #0b5394;">Biden’s $25,000 Downpayment Toward Equity Act</span></h1><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf17HHkNzUfELIEdyY1vytYrvw6DnI2dcLqju4nLlFKx3rmU3OLkVUqkgT_R4IB85FbDKhhqBfC8thm-sgbtGGZs7NedjYqfnklAi5bwF2XOn-01gfoaw8kMfG6tr7WjiYXKNbVmvjd8AF0jxl540wZPf49aZD7Irm2QxHHj-4VrPiCsh5Ek2IhNZj/s1200/Credit%20Restoration%20Institute%202023%20March%202.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Mortgage Trends - Credit Restoration Institute" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf17HHkNzUfELIEdyY1vytYrvw6DnI2dcLqju4nLlFKx3rmU3OLkVUqkgT_R4IB85FbDKhhqBfC8thm-sgbtGGZs7NedjYqfnklAi5bwF2XOn-01gfoaw8kMfG6tr7WjiYXKNbVmvjd8AF0jxl540wZPf49aZD7Irm2QxHHj-4VrPiCsh5Ek2IhNZj/w400-h209/Credit%20Restoration%20Institute%202023%20March%202.png" title="Mortgage Trends - Credit Restoration Institute" width="400" /></a></div><br />A new bill under the Biden administration, known as the $25,000 First-Time Home Buyer Grant, can help first-time homebuyers receive up to $25,000 in cash to purchase a new home. This proposal is one of many first-time home buyer grants and credits moving through Congress.<br /><br />The act aims to help first-time homebuyers plant their feet, create memories, and generate wealth. "To provide downpayment assistance to first-generation home buyers to address multi-generational inequities in access to homeownership, and narrow and ultimately close the racial homeownership gap in the United States, and for other purposes," reads the opening statement of The Downpayment Toward Equity Act of 2021.<br /><br />If you are a first-time homebuyer, make sure you know all the options available. <br /><a href="https://homebuyer.com/learn/25000-first-time-home-buyer-downpayment-grant" rel="nofollow" target="_blank">Click here to read the full report and learn more!</a><div><br /></div><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Big Corporations are Becoming Landlords</span></h1>Mortgage rates are steadily climbing, and single-family homes remain in high demand. These factors alone have made the home-buying process anything but worry-free for first-time homebuyers. But lately, many would-be homeowners find themselves face-to-face with big, shrouded investment companies.<br /><br />These days, it is not uncommon to think that large investment companies are purchasing houses in bulk and converting them into rental homes. A situation like this would mean that large subsets of U.S. homes are being taken off the market, resulting in a more competitive market, fewer available houses, and inflated home prices.<br /><br /><a href="https://housemethod.com/blog/are-big-companies-buying-up-single-family-homes/" rel="nofollow" target="_blank">Click here to continue reading</a><div><br /><br /> <div><div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoasqL-KF2A8PABxtf6ubcC9IVjM7MmXP1KhYjtBitsUFpRVUcluW0h4rC79AiWgZa-VG8temHvrtoifDhx-A_srNBxYSx-aTrY_e7UmaKHeayHpAlEgblM2A22bRRBUXYlqy_FzhMqm1X_SgfjaEZT5nFVJ289FsYUUttOPLNptvOg5OHzQ4ZAghC/s750/Credit%20Restoration%20Institute%202023%20March%204.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Real Results - Credit Restoration Institute" border="0" data-original-height="392" data-original-width="750" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoasqL-KF2A8PABxtf6ubcC9IVjM7MmXP1KhYjtBitsUFpRVUcluW0h4rC79AiWgZa-VG8temHvrtoifDhx-A_srNBxYSx-aTrY_e7UmaKHeayHpAlEgblM2A22bRRBUXYlqy_FzhMqm1X_SgfjaEZT5nFVJ289FsYUUttOPLNptvOg5OHzQ4ZAghC/w400-h209/Credit%20Restoration%20Institute%202023%20March%204.jpg" title="Real Results - Credit Restoration Institute" width="400" /></a></div><br /></div><div><br /></div><div>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.</div><div><br /></div><div>As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.</div><div><br /></div><div>Mortgage readiness and getting pre-approved all imply <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">creditworthiness</a>. You, too, can improve your credit. </div></div><div class="separator" style="clear: both; text-align: left;"><br /></div><br /><div style="text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6I6rNS8SVjZxOkSeLpUJarin6AUi_LxbrskiR-Hy0BM_BR0hmf-rOZKnHwvrYp5KAC6ZnEkBF_m6h7OKyLzNyYth6RLkUZFTXH7eIHaf-hd00Zh-qsoL10mNSZ4o7CXQSeWUNPbDDn_Y4Yjqf-CGYTaWvDY5kBgfGGWj39uZjYuCekFd_q1Eo7qGs/s600/Credit%20Institute%20Newsletter%20(ourservices).png"><img alt="Our Services - Credit Restoration Institute" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6I6rNS8SVjZxOkSeLpUJarin6AUi_LxbrskiR-Hy0BM_BR0hmf-rOZKnHwvrYp5KAC6ZnEkBF_m6h7OKyLzNyYth6RLkUZFTXH7eIHaf-hd00Zh-qsoL10mNSZ4o7CXQSeWUNPbDDn_Y4Yjqf-CGYTaWvDY5kBgfGGWj39uZjYuCekFd_q1Eo7qGs/w400-h209/Credit%20Institute%20Newsletter%20(ourservices).png" title="Our Services - Credit Restoration Institute" width="400" /></a></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><br /></div><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhk0vTMTiZIQwuG8Kjq_yi0N2OHAb-hpEG1Rd_z0E4ASYLiEvqAz5QDfh7gNXKavmPSLzzhufP6MBWS3LbgDyV4zve00YGJBkXW-7coivI158JTPba5FZPOPtQMa8wcNmYlmZSNfU60svPiXskgNVIdc1uPa_gYX-m8PBdmiVdXnW1vEI6jUpYU259t/s600/contactUsjune.jpg" style="margin-left: auto; margin-right: auto;"><img alt="Contact us - Credit Restoration Institute" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhk0vTMTiZIQwuG8Kjq_yi0N2OHAb-hpEG1Rd_z0E4ASYLiEvqAz5QDfh7gNXKavmPSLzzhufP6MBWS3LbgDyV4zve00YGJBkXW-7coivI158JTPba5FZPOPtQMa8wcNmYlmZSNfU60svPiXskgNVIdc1uPa_gYX-m8PBdmiVdXnW1vEI6jUpYU259t/w400-h209/contactUsjune.jpg" title="Contact us - Credit Restoration Institute" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><br /></td></tr></tbody></table><div style="text-align: left;"><br /></div><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br />Give us a call today to start your credit repair journey!<br /><br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.4360481-40.234443947021283 141.9389519 90 63.188951900000006tag:blogger.com,1999:blog-6210595596237199465.post-68040319329495004872023-02-13T10:27:00.011-08:002023-02-13T10:32:38.086-08:00Tax Time is Approaching... Don't Be Late!<h1 style="text-align: left;"><span style="color: #e06666;">Happy Valentine's Day!</span></h1><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaGxDtZxfvCMZIbpEgANTKtT028N-0tfdk2AaJCebO8QS1SquqwHOH32o866cz4qL-kHhwD_e7SFxYy8BoAAZ9A-gC6MjADZ5eAzSqUvokuuADzzCmkBlWmROpBpvrPM1G4Y75rK6YQ-qUf8JLIw6lJ2iZZxF131-hadpOlABpEpfQX8aAnDGKo9kv/s1200/Credit%20Restoration%20Institute%20Valentines%202023a2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Happy Valentine's Day and Tax Season" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaGxDtZxfvCMZIbpEgANTKtT028N-0tfdk2AaJCebO8QS1SquqwHOH32o866cz4qL-kHhwD_e7SFxYy8BoAAZ9A-gC6MjADZ5eAzSqUvokuuADzzCmkBlWmROpBpvrPM1G4Y75rK6YQ-qUf8JLIw6lJ2iZZxF131-hadpOlABpEpfQX8aAnDGKo9kv/w400-h209/Credit%20Restoration%20Institute%20Valentines%202023a2.png" title="Happy Valentine's Day and Tax Season" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><h3 style="clear: both; text-align: center;"><span style="text-align: start;"><span style="color: #e06666;">The Credit Restoration Institute wishes you and your loved ones a Happy Valentine's Day. We hope you have a great day surrounded by those you love.</span></span></h3><div class="separator" style="clear: both; text-align: center;"><span style="text-align: start;"><br /></span></div><br /><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimxtXrbChbBrEmvGI-FpIt9WuV-YNMDDQ5hddKelh-4nCuSpV9dwWFzdkoujgPC0VK0le7GXPgT_MovhJ8eDMhuDNbC2ANXQUQEVKmwKr3JUq3B6SmpgomxsTkgvqvBiAGk6CrXvnYCWQ2PIUvsrhskTRow0bGiD7j8PX-O39-VK1UPt14Xwn4OYzR/s1200/Credit%20Restoration%20Institute%20Valentines%202023a3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="credit restoration institute - Tax Season" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimxtXrbChbBrEmvGI-FpIt9WuV-YNMDDQ5hddKelh-4nCuSpV9dwWFzdkoujgPC0VK0le7GXPgT_MovhJ8eDMhuDNbC2ANXQUQEVKmwKr3JUq3B6SmpgomxsTkgvqvBiAGk6CrXvnYCWQ2PIUvsrhskTRow0bGiD7j8PX-O39-VK1UPt14Xwn4OYzR/w400-h209/Credit%20Restoration%20Institute%20Valentines%202023a3.jpg" title="credit restoration institute - Tax Season" width="400" /></a></div><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Make Sure You are Prepared for Tax Season</span></h1>As owner Robert Linkonis says, “Uncle Sam is the largest debt collector in the country.” Make sure that you pay your taxes or consider calling the IRS and getting on a payment plan. Do not just let it sit out there. <br /><br />The IRS is reminding taxpayers to take necessary actions during this tax season. When filing, some essential items to consider are whether or not you'll be affected by the tax credit levels and how to avoid refund delays. <br /><br />Tax time is stressful, so it is crucial you have helpful information to help throughout the process. You can access the full report from the IRS here.</div><div><br /></div><div><a href="https://www.irs.gov/newsroom/get-ready-for-taxes-whats-new-and-what-to-consider-when-filing-in-2023" rel="nofollow" target="_blank">Read More</a><br /><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizl47UGibG8ZxQ8e1Wp90JPcSCgRB3hXIUUvgtZXJuLARVVkdtASInd0fuGtaLErfbzoBxRRCvBqJJ4-irmd8xeiCxrmxhMhD5lBwS4u-UQcJYp1CkXNFK1EQ-CjADPeufT4RGQ3lyDVY-AmSXSZ7CVbUX3riyYqueUQtF7cFF-J1PoOj10fz6f_Qe/s1200/Credit%20Restoration%20Institute%20Valentines%202023a1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="credit restoration institute - In the news" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizl47UGibG8ZxQ8e1Wp90JPcSCgRB3hXIUUvgtZXJuLARVVkdtASInd0fuGtaLErfbzoBxRRCvBqJJ4-irmd8xeiCxrmxhMhD5lBwS4u-UQcJYp1CkXNFK1EQ-CjADPeufT4RGQ3lyDVY-AmSXSZ7CVbUX3riyYqueUQtF7cFF-J1PoOj10fz6f_Qe/w400-h209/Credit%20Restoration%20Institute%20Valentines%202023a1.jpg" title="credit restoration institute - In the news" width="400" /></a></div><h1 style="text-align: left;"><span style="color: #0b5394;">IN THE NEWS: Keep Your Credit Cards Safe While You Travel.</span></h1><br /><a href="https://finance.yahoo.com/news/now-is-the-time-to-take-some-action-on-credit-card-debt-expert-says-173504164.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAIr6NzGdtBcyC_wPCUG2iQzNgFo-rHj2nAykO1yIBGp4L4MRtWbWaxJkiq1BZG5yrd3rTU3lc9AmK0IMXqSeKEI0yY5o9TSIPgAog6zQ0GJaAsU6_UzF-9l0P7uOFZFcrECFOTa3-R4xApfSqQRc6vCEkQflQ3R17UjX6srxqOoy"></a>The holiday season may be behind us, but vacation season is just starting to kick off. Taking a trip is intended to be a time of relaxation and unwinding, making bills and credit card balances the last thing you want on your mind.<br /><br />Even when traveling, “checking balances more often is probably good advice,” says Nessa Feddis, senior vice president for consumer protection and payment for the American Bankers Association. Think of it as a way to curb unnecessary spending and be aware of security threats that come from being overseas. <br /><br />Click the button below to learn more about prioritizing your credit during your travels.</div><div><br /></div><div><a href="https://www.bankrate.com/finance/credit-cards/6-tips-for-traveling-with-credit-cards/" rel="nofollow" target="_blank">Read More</a> </div><div><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8RfPEfcGK4TZc2YPsm2D9jhfHDAuFMaIb_5-PSQuFStm3XQD2QVeaZAxTX4x2iVmTYP3lSFE6cnpXJ44dEmskNCmfGim9NlQLwsf11RSGIXXeBYsSjCS7lKn1py3OS-5xTHdi5wFWQ4D329DJTkuUvTpzqcxufALHDTE0hOnJvzE1BWpx7Gp37Fj7/s1200/Credit%20Restoration%20Institute%20Valentines%202023a4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="credit restoration institute - real results" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8RfPEfcGK4TZc2YPsm2D9jhfHDAuFMaIb_5-PSQuFStm3XQD2QVeaZAxTX4x2iVmTYP3lSFE6cnpXJ44dEmskNCmfGim9NlQLwsf11RSGIXXeBYsSjCS7lKn1py3OS-5xTHdi5wFWQ4D329DJTkuUvTpzqcxufALHDTE0hOnJvzE1BWpx7Gp37Fj7/w400-h209/Credit%20Restoration%20Institute%20Valentines%202023a4.jpg" title="credit restoration institute - real results" width="400" /></a></div><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Real Results!</span></h1>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. You, too, can improve your credit.</div><div> <br /><a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">Read more about credit worthiness</a><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhncAoxaS1jk_rKck0rMF0XDb6WNCJL9QxvXeQggcJQcewvrj84yJWGcZPfaKgDrysejSf83Q0bK9dscW-crtGcojROYd5qx4ln36RLnVUS3taYA8CxBS9cweenGQnYuNRrNtk0SGX5t56eFHQajprLVO07q7x53Q14dk3-p32EsmPUINCVtuDwNDI2/s1200/November%2020212.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="credit restoration institute - contact us" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhncAoxaS1jk_rKck0rMF0XDb6WNCJL9QxvXeQggcJQcewvrj84yJWGcZPfaKgDrysejSf83Q0bK9dscW-crtGcojROYd5qx4ln36RLnVUS3taYA8CxBS9cweenGQnYuNRrNtk0SGX5t56eFHQajprLVO07q7x53Q14dk3-p32EsmPUINCVtuDwNDI2/w400-h209/November%2020212.png" title="credit restoration institute - contact us" width="400" /></a></div><br />Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background-color: white; border-collapse: collapse; border-spacing: 0px; color: black; font-family: Georgia, Times, "Times New Roman", serif; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_-961897588201114929container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><br /><div class="separator" style="clear: both; text-align: center;"><br /></div></td></tr></tbody></table><br /></div><br /><br /><div class="separator" style="clear: both; text-align: center;"><br /></div></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-70611644232587252642023-01-19T07:56:00.007-08:002023-01-19T08:10:19.068-08:00Credit News for the New Year!<h1 style="text-align: left;"><span style="color: #0b5394;">Happy New Year!<br /><br /></span><div class="separator" style="clear: both;"><span style="color: #0b5394;"><img alt="Credit Restoration Institute Happy 2023" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDvaMCokTwL0TtddJKmPH6uRF6zPNBhb7H6CUNfo4ittJM-8ai0As-M3uTF8CtVBkm9p0mR-zzQCcbUGv2TaMm7mMag-9l1cwBc4pgLExhHhWB8eIUskR7QCktT4Ly6bG5vhXr7kgZ0GdDQD9YSBa065lAEP_Jsw89tQFhiTRrCJmB8VKKw93ODcmD/w400-h209/Credit%20Restoration%20Institute%20January%202023%20cover.png" title="Credit Restoration Institute Happy 2023" width="400" /><br /></span><h2 style="text-align: left;"><span style="color: #0b5394; font-size: medium;">The Credit Restoration Institute wishes you and all your loved ones a Happy New Year. We hope you are off to a great start accomplishing any new goals.</span></h2><span style="color: #0b5394;"><span style="color: #0b5394; font-size: large;"><br /></span></span></div></h1><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDvaMCokTwL0TtddJKmPH6uRF6zPNBhb7H6CUNfo4ittJM-8ai0As-M3uTF8CtVBkm9p0mR-zzQCcbUGv2TaMm7mMag-9l1cwBc4pgLExhHhWB8eIUskR7QCktT4Ly6bG5vhXr7kgZ0GdDQD9YSBa065lAEP_Jsw89tQFhiTRrCJmB8VKKw93ODcmD/s1200/Credit%20Restoration%20Institute%20January%202023%20cover.png"><img alt="Five tips to quickly improve your credit score." border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOd7OYIWL1cNAYgI9XQlCj2CYo6FbP0x3pduORU8Y2amvnaq8j5itfsxUz5iBVekf8O859PV5oYSFEWFVgTCCtLSIq6GXWUgzk39dJ_V3zgK0M1Rb6tyB3E8tdb1An2Rw_BiyeFutC2NdaPlvjposXiuCgX0wzf-n_hXpFKfzleesA86_6ksUci78B/w400-h210/Credit%20Institute%20Newsletter%20cover%202023.jpg" title="Five tips to quickly improve your credit score." width="400" /></a><br /><br /><h2 style="text-align: left;"><span style="color: #0b5394;">Download the perfect companion for 2023!</span></h2><h3 style="text-align: left;">Five tips to quickly improve your credit score.</h3><br />Your FICO score is nothing more, nothing less than a mathematical formula. Knowing this formula is key to having a great credit score.<br /><br />Your credit score can be as low as 300 or as high as 850. That means that you have 550 points that you can either gain or lose when it comes to your credit score.<br /><br />Over the last few years, I found five tips that account for the most significant improvements to your credit score in the fastest time. You can access these tips in the guide below.<br /><br /><a href="https://creditrestorationinstitute.com/free-guide-form"><span style="color: #3d85c6;">Click Here To View Our Free Guide</span></a><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJGLBKmcb4O7NY9rR21oFx5qsp4bOdLSajpIZRowcDNkslr8WvgDnBQOTt3JQ2_sS720OMUHOXx7xYhKocZcHyZd2w3os6-6ZOIWWkeNgm5q5S0fe-8Ba791kfcwtMqFIM-FM0KotQvhgFSth2BcvnBRKCxwJPdBlq5k3DeAA0QUM97B-fCqau2-8B/s600/Credit%20Institute%20Newsletter%20-inthenewsjanuary.jpg"><img alt="Credit Restoration Institute: News" border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJGLBKmcb4O7NY9rR21oFx5qsp4bOdLSajpIZRowcDNkslr8WvgDnBQOTt3JQ2_sS720OMUHOXx7xYhKocZcHyZd2w3os6-6ZOIWWkeNgm5q5S0fe-8Ba791kfcwtMqFIM-FM0KotQvhgFSth2BcvnBRKCxwJPdBlq5k3DeAA0QUM97B-fCqau2-8B/w400-h210/Credit%20Institute%20Newsletter%20-inthenewsjanuary.jpg" title="Credit Restoration Institute: News" width="400" /></a><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">IN THE NEWS:</span></h1><h3 style="text-align: left;"><span style="color: #0b5394;">With New Interest Rates Coming, Handle Your Debt Now.<br /><br /></span></h3>With the New Year comes new interest rates even higher than before. "So this is really important. If you're carrying a balance, now's the time to take some action," said Bankrate.com Chief Financial Analyst Greg McBride in a video interview with <span style="color: #3d85c6;"><a href="https://finance.yahoo.com/news/now-is-the-time-to-take-some-action-on-credit-card-debt-expert-says-173504164.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAIr6NzGdtBcyC_wPCUG2iQzNgFo-rHj2nAykO1yIBGp4L4MRtWbWaxJkiq1BZG5yrd3rTU3lc9AmK0IMXqSeKEI0yY5o9TSIPgAog6zQ0GJaAsU6_UzF-9l0P7uOFZFcrECFOTa3-R4xApfSqQRc6vCEkQflQ3R17UjX6srxqOoy">Yahoo</a>. </span><br /><br />Since these new interest rates can increase credit card debt, McBride urges consumers to increase their payments and look at all their options when it comes to their debt, like 0% balance transfer options. <br /><br />Click the button below to learn more about the upcoming effects of the new interest rates and how you can stay ahead. <br /><br /><a href="https://finance.yahoo.com/news/now-is-the-time-to-take-some-action-on-credit-card-debt-expert-says-173504164.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAIr6NzGdtBcyC_wPCUG2iQzNgFo-rHj2nAykO1yIBGp4L4MRtWbWaxJkiq1BZG5yrd3rTU3lc9AmK0IMXqSeKEI0yY5o9TSIPgAog6zQ0GJaAsU6_UzF-9l0P7uOFZFcrECFOTa3-R4xApfSqQRc6vCEkQflQ3R17UjX6srxqOoy"><span style="color: #3d85c6;">Read More</span></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik_VDWxjnc963C_g_aAFejdnig7rgE-IMGKvn6RkDDpCP0uyIk_rLbaH5sc2epeVHefc0o7A7aURr0He07k-dXxKl9WPwGJu3ExN9ZOs3qDZm9JUwEkN_jFs5uhhfIz3eA4d8r3rsu2T6XZSj1M_jSGSkpApnLJM_9Au7jDw3TQGt8nYdjyEQ4VKyM/s1200/CRI%20dec%202022%20newsletter2.png"><img alt="Credit Restoration Institute: Real Results" border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik_VDWxjnc963C_g_aAFejdnig7rgE-IMGKvn6RkDDpCP0uyIk_rLbaH5sc2epeVHefc0o7A7aURr0He07k-dXxKl9WPwGJu3ExN9ZOs3qDZm9JUwEkN_jFs5uhhfIz3eA4d8r3rsu2T6XZSj1M_jSGSkpApnLJM_9Au7jDw3TQGt8nYdjyEQ4VKyM/w400-h210/CRI%20dec%202022%20newsletter2.png" title="Credit Restoration Institute: Real Results" width="400" /></a><br /><br /><br />Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. You, too, can improve your credit. <br /><br /><a href="https://creditrestorationinstitute.com/credit-worthiness-1"><span style="color: #3d85c6;">Read More About Creditworthiness Here</span></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0WDEbC2GiZ-IJCd6y6zLiRLl9oRILB2LLwBu3b-L2UFBB10ILTphgSe6PirNP7QNPslPLBjP6PwpcqqhtDd0hYlPBa7SNVHV3BXpzaxphbN-ZK1ExiykOAcHsw63Mu-cyPUipSxe6fswAwxytBGsKR6jQE9agGJPKBFnqPJB9V-sflQz30ndpRhdf/s600/Credit%20Institute%20Newsletter%20(ourservices).png"><img alt="Credit Restoration Institute: Our Services" border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0WDEbC2GiZ-IJCd6y6zLiRLl9oRILB2LLwBu3b-L2UFBB10ILTphgSe6PirNP7QNPslPLBjP6PwpcqqhtDd0hYlPBa7SNVHV3BXpzaxphbN-ZK1ExiykOAcHsw63Mu-cyPUipSxe6fswAwxytBGsKR6jQE9agGJPKBFnqPJB9V-sflQz30ndpRhdf/w400-h210/Credit%20Institute%20Newsletter%20(ourservices).png" title="Credit Restoration Institute: Our Services" width="400" /></a><br /><br />• <a href="https://creditrestorationinstitute.com/">Credit Consulting </a> • <a href="https://creditrestorationinstitute.com/">Credit Report Audit</a><br /><br />• <a href="https://creditrestorationinstitute.com/">Credit Education</a> • <a href="https://creditrestorationinstitute.com/">Credit Disputes</a> <br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgl4bc-ps2HWPaF-DKfiSIG6fpTRmPIAVbKkYsVTG8H5-EBTeVGyepqcek2KjkXPjNfXqFjFU2VbO8dbD9GJZHsUlemgahxqRv9aZVpJvBpa320Aol32yFC2A41LvjfaBKqpS5Y2oiVo17ZYIGlpzYDuFdrsJ_3yTsdzRt9nAKfDkVBgiw-x_yXUznT/s600/contactUsjune.jpg"><img alt="Credit Restoration Institute: Contact Us" border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgl4bc-ps2HWPaF-DKfiSIG6fpTRmPIAVbKkYsVTG8H5-EBTeVGyepqcek2KjkXPjNfXqFjFU2VbO8dbD9GJZHsUlemgahxqRv9aZVpJvBpa320Aol32yFC2A41LvjfaBKqpS5Y2oiVo17ZYIGlpzYDuFdrsJ_3yTsdzRt9nAKfDkVBgiw-x_yXUznT/w400-h210/contactUsjune.jpg" title="Credit Restoration Institute: Contact Us" width="400" /></a><br /><br /><div>Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <span style="color: #3d85c6;"><a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><br /><a href="https://creditrestorationinstitute.com/contact-us">Fill out this easy form on our website</a><br /></span><br /><br /><p></p><br /></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0tag:blogger.com,1999:blog-6210595596237199465.post-83339178709024276922022-12-19T10:45:00.005-08:002022-12-19T10:47:32.883-08:00Happy Holidays from everyone at the Credit Restoration Institute!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgW-kb2jIS-U6IsCDYTKm-FNNJB4o9OCHVhxPVcldF3B1JuFRXn20oMAYJimIEPh9_CzBj5gvasAGAuqR-NsP_Z8h7g08InLZp4uzUdFqtRHTRam021LVOqYBzO-wpFIEwQcejBuDtH_MFN3gEY328CqYQZCnEjlAY7teWxjQfMD-hHdih7YBEZyPV9/s600/Credit%20Institute%20Newsletter.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgW-kb2jIS-U6IsCDYTKm-FNNJB4o9OCHVhxPVcldF3B1JuFRXn20oMAYJimIEPh9_CzBj5gvasAGAuqR-NsP_Z8h7g08InLZp4uzUdFqtRHTRam021LVOqYBzO-wpFIEwQcejBuDtH_MFN3gEY328CqYQZCnEjlAY7teWxjQfMD-hHdih7YBEZyPV9/w400-h210/Credit%20Institute%20Newsletter.png" /></a><br /><h2 style="text-align: left;"><span style="color: #0b5394; font-size: x-large;">Happy Holidays to you and your loved ones from everyone here at Credit Restoration Institute. We hope you enjoy a safe and memorable season with those who mean the most. </span></h2><div><span style="color: #0b5394; font-size: x-large;"><br /></span></div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv6hR1egvqwgdmVO2U0mN_r2aQFE2uHyXALDKxJ6J4j3dLkoY9cJkCZcPZAauk0e7Kr5qTK9SugLmhnghPdHPj1x66YLFPM49gxIA6HcrqT2IK6Ua-mpUi_jxF8MxoDRNWSWNEkSM2897FCdfLtVhnFqwMb8vB1VmmFtKUz0x5XsazGfXkWzbzjyq_/s600/Credit%20Institute%20-%20Free%20Credit%20Repair%20Guide.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv6hR1egvqwgdmVO2U0mN_r2aQFE2uHyXALDKxJ6J4j3dLkoY9cJkCZcPZAauk0e7Kr5qTK9SugLmhnghPdHPj1x66YLFPM49gxIA6HcrqT2IK6Ua-mpUi_jxF8MxoDRNWSWNEkSM2897FCdfLtVhnFqwMb8vB1VmmFtKUz0x5XsazGfXkWzbzjyq_/w400-h209/Credit%20Institute%20-%20Free%20Credit%20Repair%20Guide.png" /></a><br /><br /><h2>Download the perfect holiday companion!<br /><span style="color: #0b5394;">Five tips to quickly improve your credit score</span></h2><br />Your FICO score is nothing more, nothing less than a mathematical formula. Knowing this formula is key to having a great credit score.<br /><br />Your credit score can be as low as 300 or as high as 850. That means that you have 550 points that you can either gain or lose when it comes to your credit score.<br /><br />Over the last few years, I found five tips that account for the most significant improvements to your credit score in the fastest time. You can access these tips in the guide below.<br /><br /><a href="https://creditrestorationinstitute.com/free-guide-form" rel="nofollow" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBChSO2qXpBPp2SYgcU5xJPOJpTpfnxl-ctNw3WGJILEU1bkvaxwx__R-insaUw75RlrGVGBqVNp6sFa4B4jaZhf2Ifq_ufFinbBaTU3CW0a3ZQKyeFn5MDA_RdPfaa8Gxpe5y-IP0ajyV7dSp1w6QobIRc_MP63uofxhCR81ilaUVLOpmkIPHsYEj/w400-h70/Screen%20Shot%202022-12-19%20at%2012.26.57.png" /></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAOvx7lnHcH8OIblwiz9d-6XcVO2j7gJhEkvCGET6j0pSmJ-3liAiF2LVe4KA525sYg4Gj80_U83R7EEiPwYhv12z84qOCQUM00mwV51UAAYw17X67M9bZGm-WGicTUDeubD351Ydp9ZNTfjeEVY_9RQlxX4OWk3O-Z-6GnaP64_INAn1kxcomf50e/s600/CRI%20dec%202022%20newsletter5.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAOvx7lnHcH8OIblwiz9d-6XcVO2j7gJhEkvCGET6j0pSmJ-3liAiF2LVe4KA525sYg4Gj80_U83R7EEiPwYhv12z84qOCQUM00mwV51UAAYw17X67M9bZGm-WGicTUDeubD351Ydp9ZNTfjeEVY_9RQlxX4OWk3O-Z-6GnaP64_INAn1kxcomf50e/w400-h209/CRI%20dec%202022%20newsletter5.png" /></a><br /><br /><h2 style="text-align: left;"><span style="color: #0b5394;">IN THE NEWS:</span></h2><h3 style="text-align: left;">TransUnion LLC Confirms Recent Data Breach with State Attorney General’s Office<br /><br /></h3>On November 7, 2022, TransUnion LLC reported a data breach with the Massachusetts Attorney General after information in the company’s possession was subject to unauthorized access. According to TransUnion, the breach resulted in the names, Social Security numbers, financial account numbers, and driver’s license numbers being compromised. Recently, TransUnion sent out data breach letters to all affected parties, informing them of the incident and what they can do to protect themselves from identity theft and other frauds.<br /><br /><a href="https://www.jdsupra.com/legalnews/transunion-llc-confirms-recent-data-6828319/#:~:text=Embed%20On%20November%207%2C%202022%2C%20TransUnion%20LLC%20reported,account%20numbers%20and%20driver%E2%80%99s%20license%20numbers%20being%20compromised." rel="nofollow" target="_blank"><span style="color: #2b00fe;">Read More</span></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh694c9V9PJaMx4rHl03gTwudU40rtIB3xNQxtk8hyEo4O6yk5Pm8Nd9yICPm-LCGi8OKAdYWuMKobCGTui0KIJafpUjsFdXWzGLenjI5V3-PlU3fiD9M7Sy0y3WHFYhArtF6jTEXX41b_ragida2sIw_h3xLvxPD2E9CXZlaXrd4g4fLxGwg6NphP0/s1200/CRI%20dec%202022%20newsletter4.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh694c9V9PJaMx4rHl03gTwudU40rtIB3xNQxtk8hyEo4O6yk5Pm8Nd9yICPm-LCGi8OKAdYWuMKobCGTui0KIJafpUjsFdXWzGLenjI5V3-PlU3fiD9M7Sy0y3WHFYhArtF6jTEXX41b_ragida2sIw_h3xLvxPD2E9CXZlaXrd4g4fLxGwg6NphP0/w400-h209/CRI%20dec%202022%20newsletter4.png" /></a><br /><br />If used correctly, credit cards can be a beneficial tool when shopping during the holiday season. Many people turn to their credit cards for luxurious travel expenses, to pay for high-priced gifts, and to splurge on end-of-the-year purchases.<br /><br />With perks like credit card rewards, cash-back opportunities, and more, it can be tempting to use your credit card for major and minor expenses. <a href="https://www.bankrate.com/finance/credit-cards/save-during-the-holidays-using-credit-cards/" rel="nofollow" target="_blank">Bankrate</a> wants to ensure you're getting the most out of your holiday spending by sharing a list of ways to save with your credit card this season.<div><br /><a href="https://www.bankrate.com/finance/credit-cards/save-during-the-holidays-using-credit-cards/" rel="nofollow" target="_blank"><span style="color: #2b00fe;">Click here to continue reading</span></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipRMr2kM8p4bxuUzYE0F2RTJthWsUXMmYJGI8hJqj6AUvWxXY-EvSQL_rJvSuI-9lxJVG3tgFjdjUJPINAJF-Q3H_nfQI4O9Bc5TJ7bihRJef4mT9lNkH4iIxpy7hNOZDHEyDi9eNJS5bBN-SiivQsOa1L-15jjj36wkyKDOATDYip0GxQuOGNIPqI/s1200/CRI%20dec%202022%20newsletter3.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipRMr2kM8p4bxuUzYE0F2RTJthWsUXMmYJGI8hJqj6AUvWxXY-EvSQL_rJvSuI-9lxJVG3tgFjdjUJPINAJF-Q3H_nfQI4O9Bc5TJ7bihRJef4mT9lNkH4iIxpy7hNOZDHEyDi9eNJS5bBN-SiivQsOa1L-15jjj36wkyKDOATDYip0GxQuOGNIPqI/w400-h209/CRI%20dec%202022%20newsletter3.png" /></a><br /><br /><h3 style="text-align: left;"><span style="color: #0b5394;">It can be expensive, but for many, holiday travel is essential.</span></h3>Whether you're vacationing solo or traveling to visit loved ones, planning ahead can help ensure a successful trip. <a href="https://hermoney.com/enjoy/travel/how-to-build-a-budget-for-holiday-travel/" rel="nofollow" target="_blank">HerMoney</a> put together a list of tips to help build (and stick to!) your holiday travel budget.<br /><br /><a href="https://hermoney.com/enjoy/travel/how-to-build-a-budget-for-holiday-travel/" rel="nofollow" target="_blank"><span style="color: #2b00fe;">Continue reading in main article</span></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ-VK5aMhCMKsDH05pMgTMLrPq4jZgw3-WNwPeEAo14iR0W-DYhajO6uNG15Y65aBTtm8qwNArHLD0j5i9QG_HnC6yo-7fkftvbKirV-1FisJFlNxvqTT5CFREOAfYnJH-UjYuajTJQsBMbldvzZ1f5byJo0fm9AO8i_ITCe1sKd_CdZ6RnRYnqmhU/s1200/CRI%20dec%202022%20newsletter2.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ-VK5aMhCMKsDH05pMgTMLrPq4jZgw3-WNwPeEAo14iR0W-DYhajO6uNG15Y65aBTtm8qwNArHLD0j5i9QG_HnC6yo-7fkftvbKirV-1FisJFlNxvqTT5CFREOAfYnJH-UjYuajTJQsBMbldvzZ1f5byJo0fm9AO8i_ITCe1sKd_CdZ6RnRYnqmhU/w400-h209/CRI%20dec%202022%20newsletter2.png" /></a><br /><br /><br />Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we use the tools you need to move your case forward and get the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. You, too, can improve your credit. <br /><br /><a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank"><span style="color: #2b00fe;">Read More About Creditworthiness Here</span></a><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQ2sBwD6Z0VPDK0hRw7OtP_eu_B3wmJI-fRlHhMf7IIzQMjLy8aci0ktZXUGrHjICDvA4oz4B5q7RrdLkDGVpuNfTIBfeGLmVX1_L-ZA5knAq_MiRU6yqDQHatbkuTbk5iVaLoi8lp018NvU_a8nw410HxSay9tIG7MD3qP4LIjy65yfDSRU4HqWBK/s1200/November%2020212.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQ2sBwD6Z0VPDK0hRw7OtP_eu_B3wmJI-fRlHhMf7IIzQMjLy8aci0ktZXUGrHjICDvA4oz4B5q7RrdLkDGVpuNfTIBfeGLmVX1_L-ZA5knAq_MiRU6yqDQHatbkuTbk5iVaLoi8lp018NvU_a8nw410HxSay9tIG7MD3qP4LIjy65yfDSRU4HqWBK/w400-h209/November%2020212.png" /></a><br /><br />Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><br /><br /><br /><br /><br /><br /></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.4360481-38.763462319496547 141.9389519 90 63.188951900000006tag:blogger.com,1999:blog-6210595596237199465.post-32940905579249962722022-11-02T16:29:00.004-07:002022-11-02T18:08:53.145-07:00A Warm Welcome to our New Board of Directors<p> </p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLGBmVZEkBYl6J8MAyEFu8uVVytkhI8TSp9VFm8hjxzwDLRQWWAl0dmBrZqdOmVEaTHZ2RC3xVOdZWm3_jS0oy2N_lyOvmkXgH33V4WwyqiYwj4hdAb9xYihzxNFpAPQz9RnNhvHf4fuGqYtgJ4Jd5lMmBUvMtLc3xLxPRNIBsqp8GC5R8iFJmDWD7/s1200/CRI%20Nov%20Newsletter4.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="A Warm Welcome to our New Board of Directors" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLGBmVZEkBYl6J8MAyEFu8uVVytkhI8TSp9VFm8hjxzwDLRQWWAl0dmBrZqdOmVEaTHZ2RC3xVOdZWm3_jS0oy2N_lyOvmkXgH33V4WwyqiYwj4hdAb9xYihzxNFpAPQz9RnNhvHf4fuGqYtgJ4Jd5lMmBUvMtLc3xLxPRNIBsqp8GC5R8iFJmDWD7/w400-h209/CRI%20Nov%20Newsletter4.jpg" title="A Warm Welcome to our New Board of Directors" width="400" /></a></div><h2 style="text-align: left;"><span style="color: #0b5394;">We are thrilled to announce the Credit Restoration Institute Non Profit Board of Directors!</span></h2><p>Meet our new Board of Directors! We are here to help people like you improve your 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. Including the most important part, your creditworthiness.</p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLRCsHczzJGtuXNsKZE6K2JyabO-M3qTsxd9iD_FMjIb45TtOmlw_jlyMEbpa-jGt96OuPwhfmPwgicVg0Qsxpg7CzNtgijZqLjYLCi3oHgoBflNi3qkS3QQbILLvI1VL7eahbgUo3Xzt9UrH1sfKbwb1MQJRU-N1XOYdFrkgsuiSqNcjAEnHi_IEO/s1200/Credit%20Institute%20BOD2022.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Restoration Institute Non Profit Board of Directors!" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLRCsHczzJGtuXNsKZE6K2JyabO-M3qTsxd9iD_FMjIb45TtOmlw_jlyMEbpa-jGt96OuPwhfmPwgicVg0Qsxpg7CzNtgijZqLjYLCi3oHgoBflNi3qkS3QQbILLvI1VL7eahbgUo3Xzt9UrH1sfKbwb1MQJRU-N1XOYdFrkgsuiSqNcjAEnHi_IEO/w400-h209/Credit%20Institute%20BOD2022.jpg" title="Credit Restoration Institute Non Profit Board of Directors!" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHrI2mm4o9O_Pl6rbb-hQvzLxuqIwaidFIJUV2xoLAc9iSbQdiUEdTWw429LpMdYVOeLfTUztUK1CbU0d7uXqZHq1P-s9mYZ5hzzHWacirf9YBJhaHGzgnqYbtp8dXyPk4ktjZ_gf6yRaWFsjjQhQqkdU-xd-fCoRWrRgWO7fmjDOnSYUzSWA7iZZM/s623/CRI%20Nov%20Newsletter3.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Debt Relief Update" border="0" data-original-height="214" data-original-width="623" height="138" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHrI2mm4o9O_Pl6rbb-hQvzLxuqIwaidFIJUV2xoLAc9iSbQdiUEdTWw429LpMdYVOeLfTUztUK1CbU0d7uXqZHq1P-s9mYZ5hzzHWacirf9YBJhaHGzgnqYbtp8dXyPk4ktjZ_gf6yRaWFsjjQhQqkdU-xd-fCoRWrRgWO7fmjDOnSYUzSWA7iZZM/w400-h138/CRI%20Nov%20Newsletter3.png" title="Debt Relief Update" width="400" /></a></div><span style="text-align: center;"><div style="text-align: left;"><br />You may have been one of the many Americans who signed up to receive regular updates on the Biden-Harris Administration's student debt relief plan in the past few weeks. As everyone prepares for the opening of the application window, the Department of Education is sharing critical information on how to protect yourself from scammers during this vulnerable time.</div></span><br /><div style="text-align: left;"><span style="text-align: center;">The Biden-Harris Administration has put together a do's and don'ts list to help notice any red flags that might pop-up during your application process. But the most efficient way to protect yourself is by making sure your information stays accurate and up-to-date, according to the administration. </span></div><span style="text-align: center;"><div style="text-align: left;"></div></span><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;">For more information and to read the entire list, <span style="background-color: #cfe2f3; color: #0000ee;"><a href="https://content.govdelivery.com/accounts/USED/bulletins/330b698" rel="nofollow" target="_blank">click here</a>.</span></div><div class="separator" style="clear: both; text-align: left;"><br /></div></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDDUrl8EsPgeuD_ld-_QfGY2rckV-r4Oizm2LT42yZeucxEZ0LmUJ1NyDKpXbmjS12X3hc_kpcvAfjyhvyiMha3uYj4Tqnf6oEIbRJRMYJUNV9AdIwVqMgRmoCHTkROLU5dfKDQ8xOJr-bq2s48nJQbqukUSohnwD7PfnWhxlgz1hA89GZPJFw9ITm/s1200/CRI%20Nov%20Newsletter2.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Current Mortgage Trends" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDDUrl8EsPgeuD_ld-_QfGY2rckV-r4Oizm2LT42yZeucxEZ0LmUJ1NyDKpXbmjS12X3hc_kpcvAfjyhvyiMha3uYj4Tqnf6oEIbRJRMYJUNV9AdIwVqMgRmoCHTkROLU5dfKDQ8xOJr-bq2s48nJQbqukUSohnwD7PfnWhxlgz1hA89GZPJFw9ITm/w400-h209/CRI%20Nov%20Newsletter2.jpg" title="Current Mortgage Trends" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><h2 style="clear: both; text-align: left;"><span style="color: #0b5394;">Current Mortgage Trends</span></h2><div class="separator" style="clear: both; text-align: left;"> A few weeks ago, The Federal Housing Finance Agency announced at the Mortgage Bankers Association’s annual conference that it will now accept two new credit score models, the FICO 10T, and the VantageScore 4.0, for use by Fannie Mae and Freddie Mac. This new expansion has the potential to allow more Americans the opportunity to purchase a home. </div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">“The enterprises have long relied on classic FICO, and it has met their basic needs, but it is time to recognize the significant innovations that have occurred in credit score modeling,” said Sandra Thompson, director of the FHFA, in Nashville, Tenn.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">The institutions Fannie and Freddie were created by Congress, and are backed by the FDIC. They recognize a significant amount of the mortgages born in the U.S., so many lenders abide by the guidelines set out by Fannie and Freddie when they give mortgages to borrowers.</div></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><a href="https://www.marketwatch.com/story/fannie-mae-freddie-mac-to-use-alternative-credit-scores-what-that-means-for-potential-homebuyers-11666643196?utm_source=facebook&utm_medium=news_tab" rel="nofollow" style="background-color: #cfe2f3;" target="_blank">Read the full article here.</a></div><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSUorzzK4zoSwAFL50R6n1HQwHbOBiXo8ZqQzBMfaTb2zhDt3GrzulXYLAZsOdXluHZF8T3ZDJ8TC4Iov50N7MFcLloGUY5dDChPuO9nVI5eGVwK3N0Z7pHzSohI1wsO48psCOtSJES3RZe-2pKldrn-yjQ94pV4RR9sUpXy2r6VANyJRE1b_QiG72/s1200/CRI%20Nov%20Newsletter1.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSUorzzK4zoSwAFL50R6n1HQwHbOBiXo8ZqQzBMfaTb2zhDt3GrzulXYLAZsOdXluHZF8T3ZDJ8TC4Iov50N7MFcLloGUY5dDChPuO9nVI5eGVwK3N0Z7pHzSohI1wsO48psCOtSJES3RZe-2pKldrn-yjQ94pV4RR9sUpXy2r6VANyJRE1b_QiG72/w400-h209/CRI%20Nov%20Newsletter1.jpg" width="400" /></a></div><br /><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><h2 style="clear: both; text-align: left;"><span style="color: #0b5394;">Another in the Best Practices Workshop Series!</span></h2><div class="separator" style="clear: both;">Get advice on how to establish or repair your business credit as well as funding advice from a credit repair expert.</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">The registration fee is $30 and your attendance includes access to a recording of the webinar, as well as copies of all slides and handouts.</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><a href="https://score.tfaforms.net/17?EventID=a105a000005rmMV" rel="nofollow" style="background-color: #cfe2f3;" target="_blank">Register here!</a></div><div class="separator" style="clear: both;"><br /></div><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6E9q5DjDv6-9kh07XU5EMmWsBr4qNQcOTmOMj2zWvKHMiSfdMinY7p6H2t0pi_IIkVnxTTDr-yi44BUAtVmx1w3-riuAl3qe0zs80H6UpTUklQpuZv3r-st8c2rE_AYxj4Syi3CyAMjGEv3Odzrh6FMObJmDwV6Bdkcxk8JQSD1nefK_7tWf-sk7e/s1200/November%2020212.png" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Contact Us" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6E9q5DjDv6-9kh07XU5EMmWsBr4qNQcOTmOMj2zWvKHMiSfdMinY7p6H2t0pi_IIkVnxTTDr-yi44BUAtVmx1w3-riuAl3qe0zs80H6UpTUklQpuZv3r-st8c2rE_AYxj4Syi3CyAMjGEv3Odzrh6FMObJmDwV6Bdkcxk8JQSD1nefK_7tWf-sk7e/w400-h209/November%2020212.png" title="Contact Us" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Give us a call today to start your credit repair journey!<br /><br />Mon-Fri 9 a.m. - 5 p.m. (804) 823-9601 | (800) 648-5157<br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a></td></tr></tbody></table><div class="separator" style="clear: both; text-align: center;"> </div><br /><div class="separator" style="clear: both;"><br /></div></div><div class="separator" style="clear: both;"><br /></div></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><p><br /></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-14383457668701253692022-10-04T08:56:00.008-07:002022-10-05T11:09:01.545-07:00October Newsletter 2022<p><strong style="background-color: white; box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif; font-size: 24px; text-align: center;"></strong></p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-6hcvYvPLstkh8QLtfcm4rD_hneIv6vjF04ULNXif95EI3P7ktZvi1UDalo_dkQNBtcW2Fz8sv8YdQo0BAw9K1oAY79qNaqLyzHoWqHA1brxj06aQR3oOxEcdiGupexDLNFggucbwsO0IC5H93YKREma3FX_l6jjx4GnxU-FWhcfz7yhTWUv-dstf/s1200/CRI-halloween%202022.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-6hcvYvPLstkh8QLtfcm4rD_hneIv6vjF04ULNXif95EI3P7ktZvi1UDalo_dkQNBtcW2Fz8sv8YdQo0BAw9K1oAY79qNaqLyzHoWqHA1brxj06aQR3oOxEcdiGupexDLNFggucbwsO0IC5H93YKREma3FX_l6jjx4GnxU-FWhcfz7yhTWUv-dstf/w400-h209/CRI-halloween%202022.jpg" /></a><br /><h1 style="text-align: left;"><span style="color: #ff9100;">CRI wishes everyone a Happy Halloween and we hope you enjoy the season with family, friends, and loved ones!</span></h1><h2 style="text-align: left;"><span style="color: #8e7cc3;">Say goodbye to Summer and get ready for events and festivals catered to food, culture, and more!</span></h2><br />Discover Richmond Tours<br />2022 Fall Events & Festivals in Richmond, VA:<br /><br /><ul style="text-align: left;"><li>2nd Street Festival: October 1-2</li><li>Powhatan’s Festival of the Grape: October 1</li><li>Richmond Oktoberfest: October 7-8</li><li>Richmond Folk Festival: October 7-9</li><li>Armenian Food Festival: September 9-10</li><li>St. Benedict Oktoberfest: September 16-18</li></ul><div><br />Click the button below for a full list of Fall events and festivals to help you and your loved ones celebrate this season. <br /><br /><a href="https://discoverrichmondtours.com/fall-events-festivals-richmond-va/"><span style="color: #2b00fe;">See the full list here</span></a><br /><br /><h1 style="text-align: left;"><span style="color: #0b5394;">Continued Mortgage Trends</span></h1><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihSN8QEY6hcTZXA5uDljdcOaC4rPDit-CEs6h-Y9E-6OpWzn1XB--5BSTE8Nz65-qRK51QBfBjlz1fGEr_nPeMGmFQKdeYsCEXqZPfjH7SIePfiRCuCVhOPLmI1OTeCOtSf3cozN7Sr8p_OfDlr5ggJBDFOeecvqEZsYcEflg2CljjAtQkasj_8mRn/s1200/CRI%20-%20mortgage%20trends%20-%20OCT%202022.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihSN8QEY6hcTZXA5uDljdcOaC4rPDit-CEs6h-Y9E-6OpWzn1XB--5BSTE8Nz65-qRK51QBfBjlz1fGEr_nPeMGmFQKdeYsCEXqZPfjH7SIePfiRCuCVhOPLmI1OTeCOtSf3cozN7Sr8p_OfDlr5ggJBDFOeecvqEZsYcEflg2CljjAtQkasj_8mRn/w400-h209/CRI%20-%20mortgage%20trends%20-%20OCT%202022.jpg" /></a><br /><br />Even those new to the process know that purchasing a new home is one of the biggest purchases in one's life. The preparation should begin even before you start touring homes and especially before you make an offer. <a href="https://tracking.creditrestorationinstitute.com/f/a/7esCLI5SYpIgtTjGC5o_MA~~/AAAHUQA~/RgRlHrcHP0UgN2Q1YWFjNDlkMjMyNDYzYWJlODdmZjBlYmZhMGZjOWJEQGh0dHBzOi8vd3d3LnJlYWx0b3IuY29tL2FkdmljZS9idXkvaG93LXRvLXByZXBhcmUtdG8tYnV5LWEtaG9tZS9XBXNwY2V1QgpjNAcyPGOKA50QUhNjYXJsYUBkZXNpZ25ieWUuY29tWAQAABpP">Realtor.com</a> put together a checklist of everything you need to do in case you're feeling overwhelmed in your home-buying journey.<br /><br />Their checklist includes helpful todos like checking your credit score, addressing any blemishes on your credit report, zeroing in on an attainable house price, shopping for the right mortgage lender, the importance of pre-approvals, and more. <br /><br />If you’re planning on buying a home and are unsure of where to start, consider creating a checklist based on what these experts believe helps set buyers up for success.<br /><br /><a href="https://www.realtor.com/advice/buy/how-to-prepare-to-buy-a-home/"><span style="color: #2b00fe;">Read More</span></a><br /><br /><br /><h2 style="text-align: left;"><span style="color: #0b5394;">Real Results!</span></h2><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6NZgHOva6F8D79wZeKkYd9S_pHbvoMXMfQWUmnMhrBg7BBwsxDhAXu7Zxl45TNgIv3YjCrCDGZQcNTVyPi6DXgwUtT_sUwgpY0ruLyYWW83C58G0dqclbAxT1MSNMeaS_lxljdkRmGLSycxIXKnyY-FDWNWFnJSlR6yB0wnxbaXw4Aa4UtsGUiHJw/s1200/CRI%20-%20real%20results%20-%20OCtober%202022.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6NZgHOva6F8D79wZeKkYd9S_pHbvoMXMfQWUmnMhrBg7BBwsxDhAXu7Zxl45TNgIv3YjCrCDGZQcNTVyPi6DXgwUtT_sUwgpY0ruLyYWW83C58G0dqclbAxT1MSNMeaS_lxljdkRmGLSycxIXKnyY-FDWNWFnJSlR6yB0wnxbaXw4Aa4UtsGUiHJw/w400-h209/CRI%20-%20real%20results%20-%20OCtober%202022.jpg" /></a><br /><br />Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply creditworthiness. <br />You, too, can improve your credit. <br /><br /><a href="https://creditrestorationinstitute.com/credit-worthiness-1"><span style="color: #2b00fe;">Read More About CreditWorthiness Here</span></a><div><br /><br /><h2><span style="color: #0b5394;"><div class="separator" style="clear: both; text-align: left;"><a href="https://score.tfaforms.net/17?EventID=a105a000005rmMV" imageanchor="1" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="SCORE Workshop: How to Establish or Repair Your Business Credit featuring Robert Linkonis" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL4ucQVLfox2nfryPkBaPILoZP83zWRgb3RnGZR1er9O9Bc0j7HdJb8N4s7hT7P3sjfrqgAy2h6b_SXHGre5B2FqYOmkVkkvZTOuSi5afRfV1x9jqu9Gx1kZUASE8p24N0nOS38T6DVICssi2BvWn-CLfDon9t9xD-8Be4lGTbu4AIaIHkl0I0cH6L/w400-h209/Credit%20Institute%20Newsletter%20(webinar%20nov%202022).jpg" title="SCORE Workshop: How to Establish or Repair Your Business Credit featuring Robert Linkonis" width="400" /></a></div></span><span style="color: #0b5394;">SCORE Workshop: How to Establish or Repair Your Business Credit featuring Robert Linkonis!</span></h2><div>Get advice on how to establish or repair your business credit as well as funding advice from a credit repair expert!</div><div><br /></div><div>When you need funding for your business, you don't need to tap your personal credit cards or mortgage your home or personal assets for a loan. Business credit is out there if you know how to get it!</div><div><br /></div><div>In this interactive session, you'll learn:</div><div><ul style="text-align: left;"><li>The 20 foundational steps required to get approved for $50,000 plus in business credit.</li><li>The inner workings of the business credit bureaus: D&B, Experian, and Equifax.</li><li>How business credit scores are calculated and how to get an 85 D&B Paydex score.</li><li>The "Anatomy of the FICO Score" and how to increase your personal credit scores sometimes up to 100 points.</li><li>The risks to your personal finances from credit-related scams and fraud and how to avoid them!</li><li>The practices/products, tools and services available to help you get proper reporting of your credit.</li></ul></div><div><a href="https://score.tfaforms.net/17?EventID=a105a000005rmMV" rel="nofollow" target="_blank"><span style="color: #2b00fe;">Click here to Register today!</span></a></div><div><br /></div><h2 style="text-align: left;"><span style="color: #0b5394;"><br /></span></h2><h2 style="text-align: left;"><span style="color: #0b5394;">What our clients are saying about us</span></h2><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAQOkBPJk7qyhZOZ0Z_T6VVl06nuhf1gLfGW7fYS4pOLYVrnz8b4juH7fHje8PaPW-CohQgn9TjmTe4u-FIq07yL33P9USKKWMHS0_L9npN6fU34qCTdfY6rw05Vtj7odlr5B5Fga5m04gdrSEoEKdIdRSMHFIK6zgg658rSVtz5bwV9e_Kw3XdT8K/s1200/CRI%20-%20review%20-%20OCT%202022.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAQOkBPJk7qyhZOZ0Z_T6VVl06nuhf1gLfGW7fYS4pOLYVrnz8b4juH7fHje8PaPW-CohQgn9TjmTe4u-FIq07yL33P9USKKWMHS0_L9npN6fU34qCTdfY6rw05Vtj7odlr5B5Fga5m04gdrSEoEKdIdRSMHFIK6zgg658rSVtz5bwV9e_Kw3XdT8K/w400-h209/CRI%20-%20review%20-%20OCT%202022.jpg" /></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwmLOdJLIKhcmTltnOQghNN5VMTcUwn3f-KL1Pcw4tG3z61UL02sXPQX0GOZY78u30jv6qzP-7l8iGK8_I9bOM_F0iz9AErCECUWUM7BTu1BwkwGj3MT93z8z0VXxTYcC3K0VyRijn5ZzOWNwxryqz58_27TfWOzRGUWTnKGnnnTfdDoh8zsCb8_0a/s600/contactUsjune.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwmLOdJLIKhcmTltnOQghNN5VMTcUwn3f-KL1Pcw4tG3z61UL02sXPQX0GOZY78u30jv6qzP-7l8iGK8_I9bOM_F0iz9AErCECUWUM7BTu1BwkwGj3MT93z8z0VXxTYcC3K0VyRijn5ZzOWNwxryqz58_27TfWOzRGUWTnKGnnnTfdDoh8zsCb8_0a/w400-h209/contactUsjune.jpg" /></a><br /><br /><b><span style="color: #0b5394;">Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. (804) 823-9601 | (800) 648-5157<br />mail@creditrestorationinstitute.com</span></b><br /><br /><br /><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.4360481-37.654163540301433 141.9389519 90 63.188951900000006tag:blogger.com,1999:blog-6210595596237199465.post-61765205183087547972022-08-29T08:36:00.000-07:002022-08-29T08:36:03.536-07:00Become a Member of our Board of Directors<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjom78ALA1QxpbnB7ZxkJ9xqKx_a2lNWXevRlCD-9XFLvsvvGeLpZ7pclBmZuOjTIBbAWapc_-7wtYyIPHNRXI6Yb5WypHbvhEjNfUC23v-8oGkYIksOlo0JrwFQQKbL6gI9_078y9IsEicPwPbFMrlo-6wCxCDFiDgeUqIGVEGOQ3Udb7nyk2ezz-H/s1200/CRI%20BOD%20members%202023.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjom78ALA1QxpbnB7ZxkJ9xqKx_a2lNWXevRlCD-9XFLvsvvGeLpZ7pclBmZuOjTIBbAWapc_-7wtYyIPHNRXI6Yb5WypHbvhEjNfUC23v-8oGkYIksOlo0JrwFQQKbL6gI9_078y9IsEicPwPbFMrlo-6wCxCDFiDgeUqIGVEGOQ3Udb7nyk2ezz-H/w400-h209/CRI%20BOD%20members%202023.png" /></a><br /><br />CRI is seeking seven talented individuals to join its Board of Directors to govern the organization. The monthly time commitment is estimated to be four hours per month, including bi-monthly in-person Board Meetings.<br /><br />Please complete the application in its entirety and submit it by September 15th. Executive Director, Robert Linkonis, will contact you during the week of September 19th to schedule a video interview during the week of September 26th.<br /><br /><a href="https://creditrestorationinstitute.com/application-for-bod"><span style="color: #2b00fe;">Click here</span></a> to complete the application,<br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqs-VOYFSfNWbLYzR7XPLZmzB4ibRwhU19ZdXBJKezWbeIEW1IgrnMIqxUhSWMwHhFF7kjauvS7_hagF6BfiIWqIhP6T78ubZJWNUxTQv8HxeEbE92MgEb5LO32dFyRzeCJ_NF-jW86DUJ72ogDTGNf56lnXU8CkotdMrKpswNg0NVOa0LGxhst7Qn/s1200/Credit%20Institute%20Newsletter%20(mortgage%20trends).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqs-VOYFSfNWbLYzR7XPLZmzB4ibRwhU19ZdXBJKezWbeIEW1IgrnMIqxUhSWMwHhFF7kjauvS7_hagF6BfiIWqIhP6T78ubZJWNUxTQv8HxeEbE92MgEb5LO32dFyRzeCJ_NF-jW86DUJ72ogDTGNf56lnXU8CkotdMrKpswNg0NVOa0LGxhst7Qn/w400-h209/Credit%20Institute%20Newsletter%20(mortgage%20trends).png" /></a><br /><br /><div>Homebuyers have faced challenges recently, but there are signs that the struggle might be in the past. It's no secret that mortgage rates have skyrocketed and the cost of homes has increased– both of which have added to the cost associated with purchasing and owning a home. “What we are likely to see is that fewer buyers will be able to afford this housing market,” says Dr. Jessica Lautz, vice president of demographics and behavioral insights at the National Association of Realtors.<br /><br />This summer’s housing market can still be expected to remain a sellers' market. Buyers shouldn't expect to have the upper hand in negotiations or have an easy time finding deals. But buyers should take advantage of the extra available to view homes and put together offers. As a buyer, supply and demand are huge factors, housing inventory is still rigorously low, and the market is likely to stay strong. Instead of seeing prices drop, they are expected to grow but <a href="https://time.com/nextadvisor/mortgages/mortgage-news/when-will-home-prices-drop/"></a>at a slower pace.<br /><br />If you’re planning on buying or selling a home during the summer 2022 homebuying season, take a look at what these three experts believe the real estate market to look like and what you can do about it.<br /><br /><a href="https://time.com/nextadvisor/mortgages/mortgage-news/summer-2022-housing-market-predictions/"><span style="color: #2b00fe;">Click here</span></a> to read the full article.<br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIxLbcS4xMGhWJ1LRz5oqBZzSKDZdZcUACJBMFLckSnurT3RpwNu0vW_OHYKSfecjXA7snNv3GzqUlQTiF88MNxQaw2FyjdMIclEaBLCq4dnT28QiXOPAJH2u0pgtnkYzA7aZQ-sN-Hn9R15pTGPKU3MlRUGNB8XyJUrtOmo2cZkhr_RM6ytyWZ1H6/s1200/Credit%20Institute%20Newsletter%20(financial%20literacy).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIxLbcS4xMGhWJ1LRz5oqBZzSKDZdZcUACJBMFLckSnurT3RpwNu0vW_OHYKSfecjXA7snNv3GzqUlQTiF88MNxQaw2FyjdMIclEaBLCq4dnT28QiXOPAJH2u0pgtnkYzA7aZQ-sN-Hn9R15pTGPKU3MlRUGNB8XyJUrtOmo2cZkhr_RM6ytyWZ1H6/w400-h209/Credit%20Institute%20Newsletter%20(financial%20literacy).png" /></a><br /><br />NOVA Education has introduced a new game to teach financial literacy and decision-making!<br /><br />Have you ever wondered how you can identify and overcome biases that hurt you financially? Now you can. NOVA teamed up with Duke University’s Center for Advanced Hindsight to design the NOVA Financial Lab, a game that breaks down the behavioral science behind budgetary decision-making. In the game, users can practice making financial decisions and examining the behaviors that influence how they spend money, and how these choices can affect progress toward economic well-being.<br /><br /><a href="https://www.pbs.org/wgbh/nova/article/financial-literacy-education-game/"><span style="color: #2b00fe;">Learn more</span></a> about the research behind the game and how you can play by visiting their website. <br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgN7e2i4cQyXDq1KYfQ-33RPiUCiwytYbcLLI8-5sw6tb1Oi8uxJAVhZDly8FLi8n2SgenaCfEaAVwTJG6bQ2pxUid4UmmSvoPKGseTj1fQXYJeWSw9MmD14RHCA9ugJEgkDOret3LHf__jz2_sydIcHMUAagBambMREy8MPR4Z3YpeXC8817-GeDsc/s600/15.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgN7e2i4cQyXDq1KYfQ-33RPiUCiwytYbcLLI8-5sw6tb1Oi8uxJAVhZDly8FLi8n2SgenaCfEaAVwTJG6bQ2pxUid4UmmSvoPKGseTj1fQXYJeWSw9MmD14RHCA9ugJEgkDOret3LHf__jz2_sydIcHMUAagBambMREy8MPR4Z3YpeXC8817-GeDsc/w400-h209/15.jpg" /></a><br />Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><br /><br /><br /><br /></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-84298520098869387182022-08-05T09:21:00.005-07:002022-08-05T09:25:23.526-07:00Predictions for the Summer 2022 housing market<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRcUfQ20s-xvtIc2GECbqMsC0U7Mmoqku4xCUKrMDxiaWYINJfVfNk6VoipziTxCs16UKA6YzPyo-OD6zlssOlIBL5GgawNJYbvLfQ9eN5a8faHdICmPreJM6JHIirH8fSEjtkfkAnbm2gkc-LOFCNEbm8sHOHeivz9gek4IjxVn2F_j9jOpZf7Uxe/s600/Credit%20Institute%20Newsletter%20(August%20Newsletter).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRcUfQ20s-xvtIc2GECbqMsC0U7Mmoqku4xCUKrMDxiaWYINJfVfNk6VoipziTxCs16UKA6YzPyo-OD6zlssOlIBL5GgawNJYbvLfQ9eN5a8faHdICmPreJM6JHIirH8fSEjtkfkAnbm2gkc-LOFCNEbm8sHOHeivz9gek4IjxVn2F_j9jOpZf7Uxe/w400-h209/Credit%20Institute%20Newsletter%20(August%20Newsletter).png" /></a><div><br />Substantial price gains, intense competition, and more have been known to stifle the home buying process in the past, and now with mortgage rates continuing to be on the rise, what does that mean for potential homebuyers? <br /><br />For many, higher rates mean increasing price ranges. But when even basic single-family homes are coming with the price tag of a lavish pad these days, buyers are having to choose between postponing their purchase or compromising on their preferred location. “The Fed has promised another interest rate boost. If you’re ready to buy, don’t wait because prices aren’t headed dramatically downwards to what our parents paid. Things might dip a bit, but there’s no cliff dive that’s going to happen," said Tabitha Mazzara, Director of Operations at Mortgage Bank of California.<br /><br />Forbes Magazine partnered with mortgage and realty experts to make predictions for the housing market this Summer season.<span style="color: #2b00fe;"> <a href="https://www.forbes.com/advisor/mortgages/real-estate/housing-market-predictions/" rel="nofollow" target="_blank">Read their full report here.</a></span><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYhARSYwZTREiwqT_P4rwvVQg1bwWhoYAMJzW8Uj_y6X6CK-pWgKFksMIqDrwCkpGMNIOvAooqsEhDHlJIklDlK0iSXJAiu8E86-4xn9Nzsrsdgi5sySWruwCF-5QaEYRdWuIPxE5DJIS9bNiQPsStAyV-E3N8HQxZXXULBIg1tlk8Rqw6zC6yAlq/s600/Credit%20Institute%20Newsletter%20(August%20real%20results).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYhARSYwZTREiwqT_P4rwvVQg1bwWhoYAMJzW8Uj_y6X6CK-pWgKFksMIqDrwCkpGMNIOvAooqsEhDHlJIklDlK0iSXJAiu8E86-4xn9Nzsrsdgi5sySWruwCF-5QaEYRdWuIPxE5DJIS9bNiQPsStAyV-E3N8HQxZXXULBIg1tlk8Rqw6zC6yAlq/w400-h209/Credit%20Institute%20Newsletter%20(August%20real%20results).png" /></a><br /><br />Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.<br /><br />As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.<br /><br />Mortgage readiness and getting pre-approved all imply <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">credit worthiness</a>. <br />You too can improve your credit.</div><div> <div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="178" data-original-width="892" height="64" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilNu4SXnoydrwYHHsxi6AZuak4DJDvLAdoTUbGjC32TgxJeSjrVtljLp68ZuxnT1Tz3V3UpWxGr-x3eSMkJ6G9FfxfbXIv7udUEvyeTGG0RQ2izsUDxVsXZFTfBpbq7T8YaQe9XK2ACz3BKc5Y7D1dMUDvddNa7--TRTzUU-hf9Wu1Ndl-ME2eALw3/s320/Screen%20Shot%202021-06-30%20at%2021.11.26.png" width="320" /></a></div><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqYIJgWXa7HOAfgvAR8VeFB6MFm335EPZ5UXZ1WYcvnijJJ2dtB2Q7QEvXbNy0oNwvFgLbr_YHiPZJMIn8wLzi0Dc4IpISDrYcuLP_f8-5gQgZm8Kf4EAU8s3Um0xwkOsU0PGrWRM8TnSdlJ-PxfOFMwy0tqkCcBXx7gNf1SxZplNcz6L-z0I3kk0j/s1406/Screen%20Shot%202022-08-03%20at%2017.26.30.png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqYIJgWXa7HOAfgvAR8VeFB6MFm335EPZ5UXZ1WYcvnijJJ2dtB2Q7QEvXbNy0oNwvFgLbr_YHiPZJMIn8wLzi0Dc4IpISDrYcuLP_f8-5gQgZm8Kf4EAU8s3Um0xwkOsU0PGrWRM8TnSdlJ-PxfOFMwy0tqkCcBXx7gNf1SxZplNcz6L-z0I3kk0j/w399-h400/Screen%20Shot%202022-08-03%20at%2017.26.30.png" /></a><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibJbsz7xsOMKegK6w1GilZwc5UXqscDG_lE0__zJ-I_3suzw3n9xIPOUcdoXHCVuVRZebvgI85zkZTW9EPbgMF7rNkOWNX8GsyHHhVKMdt9QRoSvcRvYeGi1eq3acMmEbvE89WxLMSM8iGGvq0etkQbMBTtWFyS7jEA-8V2tmjHneuYTMLs5UrB8qp/s1200/unnamed%20(27).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibJbsz7xsOMKegK6w1GilZwc5UXqscDG_lE0__zJ-I_3suzw3n9xIPOUcdoXHCVuVRZebvgI85zkZTW9EPbgMF7rNkOWNX8GsyHHhVKMdt9QRoSvcRvYeGi1eq3acMmEbvE89WxLMSM8iGGvq0etkQbMBTtWFyS7jEA-8V2tmjHneuYTMLs5UrB8qp/w400-h209/unnamed%20(27).png" /></a><br /><br />Are you ready to make a big purchase but want to look deeper into your credit first? You're not alone. <br /><br />Our credit consulting services play a huge role in separating CRI from others. Our ongoing credit consultation service helps guide you to making smart financial decisions.<br /><br />We want you to know that you can count on us and the information we provide. Call us today for more details.<br /><br /></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" imageanchor="1" rel="nofollow" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="184" data-original-width="830" height="71" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBBy0d_Vn5J7khwZT7VAyo-pM5x7iENAnhH_b_oKCT31iDIitPe3_KGQh_kgx6cWmF3WFzSlm42Gd0qKvRzbEiLO0t2pCty2KNm5SWHFsk7QEESm7EgeRsyaZY72rX7xFjU_Y6VrkT0cDGyhcPrzc1c8MxzYqAs45Mahnt3_SbvyaKBPEoLsKY-NAO/s320/Screen%20Shot%202021-06-30%20at%2021.20.13.png" width="320" /></a></div><br /> <br /><br /><br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgXrPlTYVmNH4-TVTUbHTISl1jGUCeL-k1O5yToJF9Ux06hvzK2HKtBpAJBAD4Xo_V-DLkgtza6AJWiYNx7vaxfBG2C6afVc5Nb29yDkM4oOvYPJ6RWHhEfwF-kUicmIqQrRIJaPt-mCPzY8fLAtEfNaAUtTIJhWVvCo352PAefe7K1lXKYV-KlP5i/s1200/unnamed%20(29).png"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgXrPlTYVmNH4-TVTUbHTISl1jGUCeL-k1O5yToJF9Ux06hvzK2HKtBpAJBAD4Xo_V-DLkgtza6AJWiYNx7vaxfBG2C6afVc5Nb29yDkM4oOvYPJ6RWHhEfwF-kUicmIqQrRIJaPt-mCPzY8fLAtEfNaAUtTIJhWVvCo352PAefe7K1lXKYV-KlP5i/w400-h209/unnamed%20(29).png" /></a><br /><br /><a href="https://www.salesboomerang.com/" rel="nofollow" target="_blank">Sales Bloomberg</a>, the mortgage industry’s top-rated automated borrower intelligence and retention system, has released its latest Mortgage Market Opportunities Report. In their report, they project that sharp quarter-over-quarter increases in cash-out, credit improvement, and new-listing alerts in Q2 2022 will create areas of opportunity for lenders in the contracting mortgage market.<br /><br />With New Listing Alerts continuing on the rise and <a href="https://www.realtor.com/research/june-2022-data/" rel="nofollow" target="_blank">realtor.com</a> reporting that new listings are coming in at a pace not seen since 2017, purchase origination opportunities continue to reign supreme in the market. It has been <a href="https://www.wsj.com/articles/americans-reported-strong-personal-finances-late-last-year-fed-finds-11653317014" rel="nofollow" target="_blank">reported</a> that Americans’ overall financial well-being has improved and lenders should reconsider revisiting loan applicants they once turned down.<br /><br />Sales Boomerang and Mortgage Coach are trusted by more than 300 lenders, including brokers, independent mortgage companies, credit unions, and banks to connect borrowers with the right loan at the right time.<br /><br /><a href="https://www.oswegocountynewsnow.com/sales-boomerang-q2-2022-mortgage-market-opportunities-report/article_ce903090-0492-57b5-9c48-f89b05e61b52.html" rel="nofollow" target="_blank"><span style="color: #2b00fe;">Real the full article here</span></a><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmLHbIESB5pMT_-SJQtv7SWgj6mE9aRcSZYGLEbIqmCDhiyx2aQQOw0APYSVT7QDHcAnDNw_CgNau9pRHOAeGZVTQXrZWzH05-uK25M-TMjKhQHrpw0duXpeyX_P1dLT7XilGISLVaItJQpmmZVSf9SzZlyLT0AV-8DCU-mWkZrzM-5luoTD4_kato/s600/contactUsjune.jpg"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmLHbIESB5pMT_-SJQtv7SWgj6mE9aRcSZYGLEbIqmCDhiyx2aQQOw0APYSVT7QDHcAnDNw_CgNau9pRHOAeGZVTQXrZWzH05-uK25M-TMjKhQHrpw0duXpeyX_P1dLT7XilGISLVaItJQpmmZVSf9SzZlyLT0AV-8DCU-mWkZrzM-5luoTD4_kato/w400-h209/contactUsjune.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div><span style="color: black;">Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. <a href="tel:(804)%20823-9601">(804) 823-9601</a> | <a href="tel:(800)%20648-5157">(800) 648-5157</a><br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a></span><br /><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div><br /></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-86145428239703878802022-07-05T05:08:00.012-07:002022-07-05T11:17:42.599-07:00Shopping for a home with bad credit and what you should do<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkPkDR7MuomkiNg4vu6aXNJLX9ndLp_Z6pNZM_weinXkdDqj8p0a9kDx9cyNnkumkuy2x50BbIy-80EhMeo2h31CouGX5SJ-GR66Sj9jTIiUGJ3zqmS5Ct45X8K4AjTM2Ahf1X1v3TryRZsNhzjvTJNHUSpNlgu8XdA_VY92-J4u5thl5upjfYh1mu/s1200/unnamed%20(26).png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Buying a home with bad credit" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkPkDR7MuomkiNg4vu6aXNJLX9ndLp_Z6pNZM_weinXkdDqj8p0a9kDx9cyNnkumkuy2x50BbIy-80EhMeo2h31CouGX5SJ-GR66Sj9jTIiUGJ3zqmS5Ct45X8K4AjTM2Ahf1X1v3TryRZsNhzjvTJNHUSpNlgu8XdA_VY92-J4u5thl5upjfYh1mu/w400-h209/unnamed%20(26).png" title="Buying a home with bad credit" width="400" /></a></div><div><br /></div>Have you been considering buying a new home but are concerned about your credit score?<br /><br />Home-buying can be stressful, and many people label it confusing, especially those with less-than-ideal credit scores. Most lenders look for buyers with a credit score of 620 or higher, but with research, buyers can find lenders who will consider credit scores around 580. <br /><br /><a href="https://www.cnbc.com/select/">Select</a> (from CNBC and NBC News) put together a list of lenders who work with applicants who have credit scores below the average threshold. <a href="https://www.cnbc.com/select/best-mortgage-lenders-bad-credit-score/">Read the complete evaluation here.</a><div style="box-sizing: border-box; text-align: center;"><span style="box-sizing: border-box; font-size: 16px;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"></span></span></div><div style="box-sizing: border-box; text-align: center;"><br style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;" /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRNbd4iA4UKwYLdo9Lk1EIAa7dWABgmRg8UxINLPxJsmbSbvcpXORmJX-fgP8EP4vgO5TN-jjO93Bg9ozmH-sLe-dpD9Z0B6zFuuLzc48CTt-c2GptgT1Uo5unN-eqJ208kkUQd8wNsM1em70hZyRK9yGYMAuSus3YnJkIUIvZkYnMb7HkO2CTJYlG/s1021/July%20-%20Real%20Results.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Real Results" border="0" data-original-height="507" data-original-width="1021" height="199" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRNbd4iA4UKwYLdo9Lk1EIAa7dWABgmRg8UxINLPxJsmbSbvcpXORmJX-fgP8EP4vgO5TN-jjO93Bg9ozmH-sLe-dpD9Z0B6zFuuLzc48CTt-c2GptgT1Uo5unN-eqJ208kkUQd8wNsM1em70hZyRK9yGYMAuSus3YnJkIUIvZkYnMb7HkO2CTJYlG/w400-h199/July%20-%20Real%20Results.jpg" title="Real Results" width="400" /></a></div><div style="box-sizing: border-box; text-align: center;"><br /></div><div style="box-sizing: border-box;"><h2 style="text-align: left;"><span style="color: #0b5394;">These are REAL results!</span></h2>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct unverifiable items.</div><div style="box-sizing: border-box;"><br /></div><div style="box-sizing: border-box;">As our client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.<br /><br /><i>Mortgage readiness</i> and <i>getting pre-approved</i> all imply <u>credit worthiness</u>. <br />You too can improve your credit.</div><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">Read More About Credit Worthiness Here</a></div><div><br /></div> <div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box;"><br /></span></span></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box;"><br /></span></span></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><span style="box-sizing: border-box;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjO_7hTQD86Uf0Wkj3miwbjdFeKAUxzSsOEMXZmz1vHMNuI-5OBUbYrRtWXwBe_hEV5OWqjEAYmsfbZITzDAY-pMezZ-xVmsIw4LCo58QilKApFPIQjeD3d3OPpjuU1YyFm-LEbRKBjGESSSC38AuqoByUCVx3SxVsGQTqmeVN1q_SHXYMZvVU6peVX/s1200/July%20-%20Credit%20Consulting.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Consulting" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjO_7hTQD86Uf0Wkj3miwbjdFeKAUxzSsOEMXZmz1vHMNuI-5OBUbYrRtWXwBe_hEV5OWqjEAYmsfbZITzDAY-pMezZ-xVmsIw4LCo58QilKApFPIQjeD3d3OPpjuU1YyFm-LEbRKBjGESSSC38AuqoByUCVx3SxVsGQTqmeVN1q_SHXYMZvVU6peVX/w400-h209/July%20-%20Credit%20Consulting.png" title="Credit Consulting" width="400" /></a></div><span style="background-color: transparent;"><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><span style="box-sizing: border-box;"><span style="background-color: transparent;"><br /></span></span></span></div>Are you ready to make a big purchase but want to look deeper into your credit first? You're not alone.</span></span></span></div><br />Our credit consulting services play a huge role in separating CRI from others. Our ongoing credit consultation service helps guide you to making smart financial decisions.<br /><br />We want you to know that you can count on us and the information we provide. Call us today for more details.</div><div style="box-sizing: border-box;"> <br /><h2 style="text-align: left;"><span style="color: #0b5394;">Continued Mortgage Trends</span></h2><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><span style="box-sizing: border-box;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVsE6lybTi1W5lBHEnKYjsygiYqWpCmPzlP5OdK7sYfgQtHZpanzd4Dm3ArHXlGjr9wM5qn0aBZPi61rG43peOkdP_gVZvXEL82BEuaz7EslZ3KI6Kmmk7tmQIWjNJWE1wCIU3ei4nh2_gpHUOMvNU8jN7FgSBVT3qsltWOQrilyT2G07uVskppu6U/s1200/July%20-%20Continued%20Mortgage%20Trends.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Continued Mortgage Trends" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVsE6lybTi1W5lBHEnKYjsygiYqWpCmPzlP5OdK7sYfgQtHZpanzd4Dm3ArHXlGjr9wM5qn0aBZPi61rG43peOkdP_gVZvXEL82BEuaz7EslZ3KI6Kmmk7tmQIWjNJWE1wCIU3ei4nh2_gpHUOMvNU8jN7FgSBVT3qsltWOQrilyT2G07uVskppu6U/w400-h209/July%20-%20Continued%20Mortgage%20Trends.png" title="Continued Mortgage Trends" width="400" /></a></div></span></span></div><br />The Federal Reserve has decided to raise its key interest rate by 3/4 of a percentage. Now buyers are wondering what this will mean for mortgage rates. “We are seeing rates move up pretty briskly, and a lot of that has to do with forward-looking expectations with where things are headed,” said Len Kiefer, deputy chief economist at Freddie Mac.<br /><br />Mortgage rates have already risen two percentage points since the beginning of 2022. Although they have remained consistent in the last few months, Freddie Mac estimates rates will be on the rise again, reaching as high as 6 percent.<br /><br />According to Freddie Mac's primary mortgage survey, an article from The New York Times reported a 30-year fixed-rate mortgage was 5.23% in early June, up from 2.96 percent the same week in 2021.<br /></div><div style="box-sizing: border-box;"><a href="goog_563150446"><br /></a></div><a href="https://www.nytimes.com/2022/06/15/business/economy/fed-rate-increase-mortgage.html?auth=link-dismiss-google1tap" rel="nofollow" target="_blank">Read Full Article Here</a><div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhAXMiSquZhywT0Myv1T-AHF_bQ-lCBaLChCW8iPq9nGhCYQh39K_WEqI-ExS4hkUFk33RUN9ou-Y4o7cu3jZvVXWk1wsOy_oU76tzkJV8-hA9c7UvPpKIfhbfXjkwk2pgTP6-En8RNdrMFxP548kB00vIKtPU0rZlWKyGsd4ar29RCL88RwqjRq42/s600/contactUsjune.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Contact Us" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhAXMiSquZhywT0Myv1T-AHF_bQ-lCBaLChCW8iPq9nGhCYQh39K_WEqI-ExS4hkUFk33RUN9ou-Y4o7cu3jZvVXWk1wsOy_oU76tzkJV8-hA9c7UvPpKIfhbfXjkwk2pgTP6-En8RNdrMFxP548kB00vIKtPU0rZlWKyGsd4ar29RCL88RwqjRq42/w400-h209/contactUsjune.jpg" title="Contact Us" width="400" /></a></div>Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. (804) 823-9601 | (800) 648-5157<br /><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a><br /><div style="box-sizing: border-box;"><br /></div><div style="box-sizing: border-box;"><br /></div><div style="box-sizing: border-box;"><br /></div><div style="box-sizing: border-box;"><br /></div><div style="box-sizing: border-box;"><br /></div></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-66884506154246061442022-06-09T10:06:00.019-07:002022-06-21T16:25:35.866-07:00June Newsletter 2022<a href="#"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkpUBTUMZ9Phgbr0x-seOLIp_ViM-wY-E5su1aCdFpztGvwKhueu4kyHq6fj9TVwS1sD1oy0zNtlDhfgyxbMnHObrtjCuma9m2n8mLSIjzFOQKjPGyxSg9bLf0ugpDzt4qV7_Fgx_Ag5VQuy2TP2dm2Q-eLtU0Mmt7UcyrlqMKO5Mjvmku7S5uXuOS/w400-h209/mortgagepayments.jpg" /></a><br /><br /><br />When you take out a mortgage, what does that do to your credit?<br /><br />Credit reporting agencies are known to use a short-term ding on your credit score, followed by a significant boost once they see a consistent pattern of regular on-time payments. A mortgage loan can temporarily lower your credit score until you can prove you are capable of handling a large sum of debt. <br /><br />On average it takes about 5 months to get your credit score back on-track. It is recommended to focus on making consistent on-time payments and keeping other debt responsibilities to a minimum. Remember, not all debt is bad debt and eventually your mortgage will manifest into good debt. <br /><br /><a href="#">Read the full RocketHQ article here.</a><br /><br /><br /><a href="#"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuNngl6XUn3aY8JH__9x85RWhLCLjHhX4LUNsF0BGXQEsKETdf5HrqL2c3tBlONmjSJAOeflZ4GdLzpl8WhKH0bign62LvalAQULc_RAHQRNrqMWXF6RnJoPgEf_TRmqA7zzR0Hrk6yVAXsQ9mUStWAhouWmpfJvw7SHpwm82B3coQ3W6yEYP7N2s6/w400-h199/realResultsJune.jpg" /></a><br /><h2 style="text-align: left;"><span style="color: #0b5394;">These are REAL results!</span></h2><br /><div>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.<br /><br />As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.<br /><br />You too can improve your <a href="#">creditworthiness</a>.<br /><br /><a href="#">Read More About Credit Worthiness Here</a><br /><br /><br /><br /><a href="#"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv8y2LSv16zjWHgS5KEjYfn-6_EapBGeb-Tr7Gp_MluQHZ0_eDpDMQ69ubLsltEMlWfWh5pzTTa-ngchC70NHSr6R33967kgNdkEfpN4g47QUYBLI2pF3okJlaBPcGUCEa2vXXLsG2M-FicVfGRsnajsMchpJU7R1vzw9R9t3-bM_I1Xqu4n2SS1mu/w400-h209/creditConsultingJune.png" /></a><br />Are you ready to make a big purchase but want to take a deeper look into your credit first? You're not alone. <br /><br />Our credit consulting services play a huge role in separating CRI from others. Our ongoing credit consultation service helps you ensure that you’re making the best choices.<br /><br />We want you to know that you can count on the information we provide. Call us today for more information. <br /><br /><br /><a href="https://us06web.zoom.us/webinar/register/WN_NeZNw2lHTES3fuKB6jGlHg" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmDpHiwQ4H03zmBfn4HrPb_k3umB5wxXOmMd5g0k_emXXy-LY1RnicRDQrFc4pPY2ObPyeBq_tNELfisEDXGx3uT4lS-ut3ANdmCoj30JZZsGMWok4kIX1Yen0_gBB8_D6f2jnPJwKdW562g-I-Xv9XVJ70SwonAGfbhCW1nEyrHPndwmE-9UJIZav/w400-h311/webinarRegistration.png" /></a><br /><br /><h2 style="text-align: left;"><span style="color: #0b5394;">Join Our Workshop</span></h2><br /><b>Topic</b><br />Building Credit 101: Tips for the Small Business Owner<br /><br /><b>Description</b><br />You’ll learn credit restoration tips, credit building strategies, the importance of personal credit, and more. Whether you’re considering startup costs or new expansion strategies, establishing a strong credit profile can help ensure your immediate and future business plans are successful.</div><div><br /><b>Guest Speaker:</b> Robert Linkonis, Executive Director, Credit Restoration Institute</div><div><br /><b>Time:</b> Jun 29, 2022 12:00 PM in Eastern Time (US and Canada)<br /><br /><a href="https://us06web.zoom.us/webinar/register/WN_NeZNw2lHTES3fuKB6jGlHg" rel="nofollow" target="_blank">Click here to register</a><br /><br /><h2 style="text-align: left;"><span style="color: #0b5394;">Continued Mortgage Trends</span></h2><a href="#"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4s7SkMuM5RBGyU9pCUN94Y54WIXoHhOF3ypfDp2J1S_-xUCw7LlHbtnZBtUYGeOrQ013xLLjHDv6WGDH9iE9p79b-DL3Ilvqovz7dV6aLBYpBNRHXkQrK_3blXkHYpc4Kw-5OmgyyLaBrCeRDmQmgvanplWi7CHmjNS6tKua7P8CFa9KOm5cO8cJh/w400-h209/mortgageTrends.png" /></a><br /><br /><br />According to Freddie Mac, mortgage rates continue to fall but they still remain above 5% fueling an ongoing problem for buyers trying to break into the market.<br /><br />In a recent article from CNN they reported on numbers from Freddie Mac showing that at the end of May 2021, a buyer who put 20% down on a $375,500 home, financed the rest with a 30-year, fixed-rate mortgage with an average interest rate of 2.95% would have a $1,258 monthly mortgage payment that included principal and interest.<br /><br />Today, if a homeowner bought the house at the same price with an average rate of 5.10% they would pay $1,631 a month in principal and interest. That is $373 more each month and $134,140 more in cumulative interest payments over the life of the loan , according to numbers from Freddie Mac. According to CNN "For many people, that several hundred dollars in additional payment a month is the difference between deciding whether to buy a home or rent." <br /><br /><a href="#">Read the full article here</a><br /><br /><br /><br /><a href="#"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLG87AIWDMMmdo_rRCww0xiA7df3XOtbxF130ZhZjBRYj3JR2-cJdJVu-lq85ZkSjBZ4kcCX7hlG7WB10aCMmRzzfRmiPh0a4IiMo5fGrUX2s4S7je4JsdD-C68dAGY1eDGb2SRBI0CFzaVsTRDOlhQz18Bg-TBFKM44bOst5f_fmdNOu6R60oUfmA/w400-h209/happyFathersDay.png" /></a><br /><h2 style="text-align: left;"><span style="color: #0b5394;">Wishing all the awesome father's out there a<br />Happy Father's Day!</span></h2><div><span style="color: #0b5394;"><br /></span></div><a href="#"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfWhm_HLIU5LD5DrPtwwDI9aGXb4kM27iX7TDo8XTNnSrsk5J_okCdis4sQMqYtPkvFHRZ-L4YKN1pczdZGqrJvlY3vKRN2RInEnwH9XBo5apQ1xhyjRYU206uIg_Pv0ARbPrKZHTTNUSAA_XhWSS2j9W9m-m59WvHTx6wN_GG_u0qwxDQlKTkSZLi/w400-h209/contactUsjune.jpg" /></a><br /><br /><br /><br />Give us a call today to start your credit repair journey!<br />Mon-Fri 9 a.m. - 5 p.m. (804) 823-9601 | (800) 648-5157<br /><a href="#">mail@creditrestorationinstitute.com</a><br /><br /><a href="#">Fill out this easy form on our website</a></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-8936440333738220972022-05-06T05:20:00.004-07:002022-05-06T05:22:46.564-07:00May Newsletter 2022<h1 style="text-align: left;"><span style="color: #800180;"> Wishing all the wonderful mothers out there a Happy Mother's Day!</span></h1><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgdH9ngqQ8uxdnOJhsfWwD2TfwdKm4Wlj0QAbASh7XHoZovZwVauDzMR_4mF6kZAkxfkmoWUXGGaIVfN2OFbT1yUzuSlwr6U7lOqUPUGZxSBp0X71TbvWFY6FkLmhI7djO3JlfZpyZ4DNHU6nFSZHZQegSbFeFdm03Rua0b0R6phlqMQpSVl9aphDQ2" style="margin-left: 1em; margin-right: 1em;"><img alt="Happy Mother's Day!" data-original-height="620" data-original-width="874" height="284" src="https://blogger.googleusercontent.com/img/a/AVvXsEgdH9ngqQ8uxdnOJhsfWwD2TfwdKm4Wlj0QAbASh7XHoZovZwVauDzMR_4mF6kZAkxfkmoWUXGGaIVfN2OFbT1yUzuSlwr6U7lOqUPUGZxSBp0X71TbvWFY6FkLmhI7djO3JlfZpyZ4DNHU6nFSZHZQegSbFeFdm03Rua0b0R6phlqMQpSVl9aphDQ2=w400-h284" title="Happy Mother's Day!" width="400" /></a></div><p></p><p><br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEik_U_LUfQb3vXOTkmDAGQN58JgLZo1FjqaUSEkma5pe7qrYrRvRTLemyZkf5yeRRg2NzF2iGBB_GO2to-RbJQ_8_5uuQkWUvkWt9uYNDE8pkOKDZE4oNAZRtNEMjASDjb6WqVOp-bw2M3WJrEi9ZUtonOGdALFhpjsn-AVaZuprwUC1xtL-GcpG4ek" style="margin-left: 1em; margin-right: 1em;"><img alt="Don't let bad credit be a barrier for home buying" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEik_U_LUfQb3vXOTkmDAGQN58JgLZo1FjqaUSEkma5pe7qrYrRvRTLemyZkf5yeRRg2NzF2iGBB_GO2to-RbJQ_8_5uuQkWUvkWt9uYNDE8pkOKDZE4oNAZRtNEMjASDjb6WqVOp-bw2M3WJrEi9ZUtonOGdALFhpjsn-AVaZuprwUC1xtL-GcpG4ek=w400-h209" title="Don't let bad credit be a barrier for home buying" width="400" /></a></div><br /><p></p><p>Home prices have skyrocketed by nearly 20% over the last year and mortgage rates have risen faster over the past three months than they have in decades. But the high cost to buy a home is not the only obstacle prospective buyers are facing.</p><p>Other hurdles include a lack of available homes for sale that fit the buyer's criteria, bidding wars, and failing to have enough money for a down payment, according to a new study from the National Association of Realtors and Morning Consult.</p><p>"Record-high home prices and record-low inventory have made the home buying process exceedingly difficult," said Jessica Lautz, NAR's vice president of demographics and behavioral insights. "Our study shows that, while the inventory crisis is affecting potential buyers of every race, nearly all home buyers agree that homeownership is still an important part of the American Dream."</p><p><a href="https://www.cnn.com/2022/04/13/homes/us-real-estate-biggest-obstacles-to-buying-feseries/index.html" rel="nofollow" target="_blank">Read the full CNN article here</a>.</p><p><br /></p><h2 style="text-align: left;"><span style="color: #0b5394;">These are REAL results!</span></h2><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhAbZHvjPp5qDUlXgt8xpch3RgLJ8nSPhrLNaCckq7URxm-2HVYb5uEM0aLXbUWDyO8K50AFI4fRwd-4A9iAvoCl93H4J5hLOVrrXL73VmGrmzTkBiWrTGrLuL7xN7PVVMkFe9w8ykL8sdfX34ngKjIwPOSNdScttruRugQZKT-eI1wefZ9Wyy3oQvt" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="507" data-original-width="1021" height="199" src="https://blogger.googleusercontent.com/img/a/AVvXsEhAbZHvjPp5qDUlXgt8xpch3RgLJ8nSPhrLNaCckq7URxm-2HVYb5uEM0aLXbUWDyO8K50AFI4fRwd-4A9iAvoCl93H4J5hLOVrrXL73VmGrmzTkBiWrTGrLuL7xN7PVVMkFe9w8ykL8sdfX34ngKjIwPOSNdScttruRugQZKT-eI1wefZ9Wyy3oQvt=w400-h199" width="400" /></a></div><br /><p></p><p>In just a few short months we've gotten our client's credit from low 630's to 730's. That's over 100 points in 6 months! When shopping for a home, a credit score shouldn't be the reason one can't buy a home, especially with the right preparations and tools.</p><p>You too can improve your <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">creditworthiness</a>.</p><p><br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhZoD1BTfH2bL7dJfzcOcVKxwhSdOVpyJUyMiOmufF4pzkQYRtb7YqOvxxxVnALpv3BiFrXWxS9za_fMboTSfkWUWInmp-ydWrNe3MHm6P1Vw6qprbY-qSlvcDB-d6Af3kV26vJIGhXjxM7tKVX71XpuGViyycR9EsLLNk1SUtKSpkx5hGiTgvflaxW" style="margin-left: 1em; margin-right: 1em;"><img alt="Are you mortgage ready?" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEhZoD1BTfH2bL7dJfzcOcVKxwhSdOVpyJUyMiOmufF4pzkQYRtb7YqOvxxxVnALpv3BiFrXWxS9za_fMboTSfkWUWInmp-ydWrNe3MHm6P1Vw6qprbY-qSlvcDB-d6Af3kV26vJIGhXjxM7tKVX71XpuGViyycR9EsLLNk1SUtKSpkx5hGiTgvflaxW=w400-h209" title="Are you mortgage ready?" width="400" /></a></div><p>Are you mortgage-ready? Do you know what your credit score is? Are you a first-time home buyer?</p><p>Using our credit repair services prior to contacting a loan officer can ensure the home buying process goes smoothly and painlessly. Even if you do have decent credit, having an even better credit score can increase your chances of better rates. Call us on (804) 823-9601 or (800) 648-5157 today for more information!</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_xXOaEr2LYNqKFFWLcPOSb4C5Byi2aKZjKGxsJlABXB8KGmC2re1DH3AIGQj5pWtU_tQddEmZkv6SfXU1DCjWMK_n0ucmSceMsbF7nFRJoGKs_i9C_OBH8sDolai9xdRz1M6j1z8NGEgAhJ1rS5Znx9BD8qDs24DhK6lAZikBcXqxitbcEcGODsg1/s1200/April%202022%20Newsletter%205stars.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="5 Star Reviews" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_xXOaEr2LYNqKFFWLcPOSb4C5Byi2aKZjKGxsJlABXB8KGmC2re1DH3AIGQj5pWtU_tQddEmZkv6SfXU1DCjWMK_n0ucmSceMsbF7nFRJoGKs_i9C_OBH8sDolai9xdRz1M6j1z8NGEgAhJ1rS5Znx9BD8qDs24DhK6lAZikBcXqxitbcEcGODsg1/w400-h209/April%202022%20Newsletter%205stars.jpg" title="5 Star Reviews" width="400" /></a></div><br /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><span style="box-sizing: border-box; color: #2969b0; font-size: 24px;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;">"163 points in just two months"</span></strong></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><span style="box-sizing: border-box; color: #2969b0; font-size: 24px;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;">These results speak for themselves!</span></strong></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><span class="il" style="box-sizing: border-box;"><br />Credit</span> <span class="il" style="box-sizing: border-box;">Restoration</span> is the truth! Robert and his team know what they're doing!!!! Trust the process and you will see things happen. They update you once a month on your progress. My husband's scores have jumped 163 pts in 2 months. Their customer service and team are always friendly, and willing to answer any questions you may have. Just like the other gentlemen stated, this jump put us back in the mortgage approval range. The monthly payments are a small investment on a huge return!! Thank You <span class="il" style="box-sizing: border-box;">Credit</span> <span class="il" style="box-sizing: border-box;">Restoration</span>!!!!!!</span></em><br style="box-sizing: border-box;" /></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><br style="box-sizing: border-box;" /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;">– S. Ford</span></em></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><br /></span></em></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; font-family: Georgia, Times, "Times New Roman", serif;"><br /></span></em></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><br /></div><h2 style="background-color: white; box-sizing: border-box; text-align: center;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box;"><span style="color: #0b5394; font-family: Georgia, Times, Times New Roman, serif;">A Message from Federal Student Aid</span></span></span></h2><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhi--0XOLdL_S-XuNEikbZht7CGohCknudA1mEO0ErMUe7TAuATb2cThnbekYj7ngLg1pqdepImOSePlNnX20ynbOl-AQyWoIuvD4BNIpImvGPDildIdKd5rVTlPWum_xzbh-he7QGtq1XACARCCJYB9orI0_I9jF8xbim0gKzxQtixqMlnDAHl9_fT" style="margin-left: 1em; margin-right: 1em;"><img data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEhi--0XOLdL_S-XuNEikbZht7CGohCknudA1mEO0ErMUe7TAuATb2cThnbekYj7ngLg1pqdepImOSePlNnX20ynbOl-AQyWoIuvD4BNIpImvGPDildIdKd5rVTlPWum_xzbh-he7QGtq1XACARCCJYB9orI0_I9jF8xbim0gKzxQtixqMlnDAHl9_fT=w400-h209" width="400" /></a></div><br />"In response to the COVID-19 emergency, we paused loan payments and set interest rates to 0% for eligible federal student loans. On this page, you can find out if your loans are eligible and how this relief affects your loans."<p></p><p><a href="https://studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest" rel="nofollow" target="_blank">Read the full announcement here</a></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjJHcnjWXyHKlWpsEaweQVbM009J0PJbqbuESryGQ_M3jiG-KilJcvkaEZUGaAk-q9bD-VJbeNeoqcPJvYywX7QL6ILiA0qUxID4X-Q04US3b_r6926-uIXwGX9Zko1y0phQsaITwl_ZQ3fyzyDdsSho06OOoqFwUKbDFQIhfVfMVyEcALGVYV3ZXnr" style="margin-left: 1em; margin-right: 1em;"><img alt="Student loan payment pause" data-original-height="612" data-original-width="1330" height="184" src="https://blogger.googleusercontent.com/img/a/AVvXsEjJHcnjWXyHKlWpsEaweQVbM009J0PJbqbuESryGQ_M3jiG-KilJcvkaEZUGaAk-q9bD-VJbeNeoqcPJvYywX7QL6ILiA0qUxID4X-Q04US3b_r6926-uIXwGX9Zko1y0phQsaITwl_ZQ3fyzyDdsSho06OOoqFwUKbDFQIhfVfMVyEcALGVYV3ZXnr=w400-h184" title="Student loan payment pause" width="400" /></a></div><br /><br /><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0vfs_aSj1OIC6KT3ppJULxtSDjuHFtPG6SVd2A_TDIEqAKf8OWUu3n0RcTDexU9RSf3I0WOH1kZdW8xciOH2TXxInS-zU3PVn6Ikgq5wWGOO3H5en07DP15UG7A656V83HE20wq7bvRDkalr8JRElN6JHSy8lLoXDDDsu21XcQDU-wSS3MWlOKBKi/s1200/November%2020212.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Contact Us" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0vfs_aSj1OIC6KT3ppJULxtSDjuHFtPG6SVd2A_TDIEqAKf8OWUu3n0RcTDexU9RSf3I0WOH1kZdW8xciOH2TXxInS-zU3PVn6Ikgq5wWGOO3H5en07DP15UG7A656V83HE20wq7bvRDkalr8JRElN6JHSy8lLoXDDDsu21XcQDU-wSS3MWlOKBKi/w400-h209/November%2020212.png" title="Contact Us" width="400" /></a></div><br /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;">Give us a call today to start your <span class="il" style="box-sizing: border-box;">credit</span> repair journey!</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;">Mon-Fri 9 a.m. - 5 p.m. (804) 823-9601 | (800) 648-5157</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center;"><a href="mailto:mail@creditrestorationinstitute.com" style="box-sizing: border-box; color: #1155cc; font-family: Helvetica;" target="_blank">mail@<wbr style="box-sizing: border-box;"></wbr><span class="il" style="box-sizing: border-box;">creditrestorationinstitute</span>.com</a></div><p><br /></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.comRichmond, VA, USA37.5407246 -77.4360481-41.162160170337863 141.9389519 90 63.188951900000006tag:blogger.com,1999:blog-6210595596237199465.post-41904770900106370952022-04-14T05:47:00.030-07:002022-04-14T07:14:12.478-07:00Aprill Newsletter 2022<h1 style="text-align: center;"><span style="color: #0b5394; font-size: x-large;">Credit Literacy Curriculum!</span></h1><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOI5uKgYHWWwWy3KK-tS66_fC6ugeO1siLhLkHjN4KpYUBvvAnOqZ-LVrDdhx1kNMMQVpHfWi6UZRJ5ZIi06Wf36uG2o8oRRscjHSenLAuEnl8olHSf096CqJnp26pO0IpIX1bRzCN6h2oSJVqEVV_D-KdTBe4e7qpT-hbCDmzG6YTi-kxEZ4hrA5m/s1200/10.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Literacy Curriculum! " border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOI5uKgYHWWwWy3KK-tS66_fC6ugeO1siLhLkHjN4KpYUBvvAnOqZ-LVrDdhx1kNMMQVpHfWi6UZRJ5ZIi06Wf36uG2o8oRRscjHSenLAuEnl8olHSf096CqJnp26pO0IpIX1bRzCN6h2oSJVqEVV_D-KdTBe4e7qpT-hbCDmzG6YTi-kxEZ4hrA5m/w400-h209/10.jpg" title="Credit Literacy Curriculum! " width="400" /></a></div><p>Robert Linkonis is on a mission to get credit literacy taught in schools across the country. He is working to create a curriculum that would be taught to high school seniors, explaining more than just financial literacy – like how to balance a checkbook – but also what is credit, how can you build it, and how it can affect your future.</p><p>Executive Director of Credit Restoration Institute, a non-profit company assisting individuals in improving their credit score while teaching the impact of creditworthiness and its impact on one’s mental health, Robert is passionate about this topic. "Many people don't know how things will directly affect their credit and the domino effect it can create," says Robert. "A bad credit score can handicap them financially for life." He believes requiring a financial literacy course can eliminate the potential for low credit scores.</p><p>Working directly alongside Donna Perkins, Vice President of the National Association of Credit Services Organization (NACSO), Robert, a board member, is developing a curriculum that will not only educate but engage high school seniors to understand the basics of credit. Last month he visited The U.S. Department of Education in Washington, D.C. to lobby for support.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihzSHByM5Wt7QIsenyPLJjQrfCp4rt0yb-DBUGaxzX3UBju8Fxv1KRaBlQ1PGl2A7mxD4-bgrmGxYUlHpxozE8BY-faQhDUAmefVgtWARRkpqA7O6q-85nVW03wU3FwHtrKP2FMUFZlZofmGqY4hXuaG6ATqn2dqtdAGxRvtDJpy2jlCelC4KGSwew/s512/April%202022%20Newsletter%20Real%20Results.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Real Results" border="0" data-original-height="268" data-original-width="512" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihzSHByM5Wt7QIsenyPLJjQrfCp4rt0yb-DBUGaxzX3UBju8Fxv1KRaBlQ1PGl2A7mxD4-bgrmGxYUlHpxozE8BY-faQhDUAmefVgtWARRkpqA7O6q-85nVW03wU3FwHtrKP2FMUFZlZofmGqY4hXuaG6ATqn2dqtdAGxRvtDJpy2jlCelC4KGSwew/w400-h210/April%202022%20Newsletter%20Real%20Results.png" title="Real Results" width="400" /></a></div><h2 style="text-align: center;"><span style="color: #0b5394;">These are REAL results!</span></h2><p>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</p><p>As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</p><p>You too can improve your <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">creditworthiness</a>. </p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcmaK-R2hTyEw0jSA8kiAgefQTqScpPB_MS4766B5kWR1Wh9fl38PdERiP4VyjcOiUid0_rpi39bgEGr7hhCATVxizS-anY85byYlgjdYeCefSLNHTjNc_9R7BW4SA8ZOZWCPpsgb5_PvWEB8ahMpeEH0wuGAOft_QXQE2gkyVt7svChRlgatcRUXQ/s1200/April%202022%20Newsletter%205stars.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="5 Star Reviews" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcmaK-R2hTyEw0jSA8kiAgefQTqScpPB_MS4766B5kWR1Wh9fl38PdERiP4VyjcOiUid0_rpi39bgEGr7hhCATVxizS-anY85byYlgjdYeCefSLNHTjNc_9R7BW4SA8ZOZWCPpsgb5_PvWEB8ahMpeEH0wuGAOft_QXQE2gkyVt7svChRlgatcRUXQ/w400-h209/April%202022%20Newsletter%205stars.jpg" title="5 Star Reviews" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><h2 style="clear: both; text-align: center;"><span style="color: #0b5394;">Don’t just listen to what we have to say, hear it directly from our clients!</span></h2><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><i>“After the first round of disputes my scores went up 113 points. Put me back in mortgage approval range…There are never expectations in the credit game but they let you know what should happen and what they will do to make it happen and what will be done if it happens. To me the price is fair especially since I'm trying to get better rates on a home so a few hundred here is worth thousands later”</i></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;">–Eric Dalton</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><br /></div></div><h2 style="text-align: center;"><span style="color: #0b5394; font-size: x-large;">Credit Restoration Institute is Co Sponsoring the HOME of VA's 50th Anniversary Upcoming Event!</span></h2><div class="separator" style="clear: both; text-align: center;"><a href="https://www.eventbrite.com/e/home-of-vas-50th-anniversary-celebration-tickets-294284842887" style="margin-left: 1em; margin-right: 1em;"><img alt="HOME of VA's 50th Anniversary Event" border="0" data-original-height="400" data-original-width="800" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6wubv25LrE-EXA4gKX6WYj17Y_xeDsIP-KVCwHPbEdEe9hig0wcscWVckWTLlhW_dRWL3v-ifTC_c6Yy4JgpiCty4DeDqAVWcnyrdvRcMAKIRe88FU5MlsI91xadhn5sMg3gjvvhRizDsOLIKyGDpie7T4rjBsBWSAK9SdlRSqELCDSwhcC282a-b/w400-h200/HOME%20of%20VAs%2050th%20Anniversary%20Celebration.jpeg" title="HOME of VA's 50th Anniversary Event" width="400" /></a></div><div><h3 style="text-align: center;"><span style="color: #0b5394;">Join us and celebrate HOME of VA's 50th Anniversary at Main Street Train Station (Richmond, VA) on Thursday, April 21, 2022!</span></h3><div><br /></div><div>The staff and Board of Directors of Housing Opportunities Made Equal of Virginia (HOME of VA) invite you to join them for an evening to remember! Celebrate HOME of VA's 50th anniversary in style at Main Street Train Station with live performances by the Klaxton Brown Band, delicious catering by Groovin' Gourmet, and so much more! <br /><br /></div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://www.eventbrite.com/e/home-of-vas-50th-anniversary-celebration-tickets-294284842887" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Register Today" border="0" data-original-height="160" data-original-width="912" height="56" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdp3IJ_Rx2fnZtKQggKrRh588ac1aLNvOoLP1mS8lmvyqTgUTokTu30GdQoYhgg_R7AUylzoGu4y_CQN8czL1Wq8P1XwSb9_FfRD-V3DoHZY50tu_OkGkhrVX-fwsFNifCPTlPPhW47wq98Wb61xtrRWtSNNOkyWSvHbdKPMio-Gp3Uo6wiJoOdlx9/w320-h56/Screen%20Shot%202021-09-02%20at%2018.18.40.png" title="Register Today" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/services" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Our Services" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimPhbuJBnMPMjub9fVB1wn2KXSt4MwivRT89CUunZ_tSfQXauEMXRm-hhtFrY3bp_lk93Zhc-HbNLvrzFn6KymWD-V5k-KNZ6Y7CLEd69wbZzJ6Kq4NHwhZRs4VK9iiHWfBjRl3tcYPMoI_JTaR8iEqCRAtxFXn9yprX9ChjKXJj2uRjzqwtb6V13d/w400-h209/Credit%20Institute%20Newsletter%20(ourservices).png" title="Our Services" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Contact Us" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi87NPd_Jlxb49IUHzJMeqkeGG8Me9BoeMH684LtSczvDbsRlPmDaRHdkDFMJA6J-fxlWinS4PhryMqS3wd37UYQQ7mUU3_ZgNdTq3OpxNJrfDtQuuPJmKXNV73c76huEw4fWc8viU9_XQXCliMOMJ4ppFDPI5_tD741qUwo6c53ZBxBIHPOhfZxXHw/w400-h209/November%2020212.png" title="Contact Us" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="background-color: white; clear: both; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;">Give us a call today to start your credit repair journey!</div><div class="separator" style="background-color: white; clear: both; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div class="separator" style="background-color: white; clear: both; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><a href="mailto:mail@creditrestorationinstitute.com" style="color: #2288bb; text-decoration-line: none;">mail@creditrestorationinstitute.com</a></div></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="130" data-original-width="822" height="51" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEje39zqis8XOAGcQcAE-9VkgVUzRu4TaPSwkhFhFYrW94Ml_P8j8VPIEjtLA1K1HeFcWQyweOtvXAE-85SHzk2qymv5nHCRtchVTVtmqbPSxNztrG4Lo4HwbdKSR_zaBufGtBIiffn9-8N2dL5kCexd8EwVun5903xPN5rRqJ-bi732jSby_jqX42ME/s320/Screen%20Shot%202021-08-09%20at%2018.38.02.png" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br />Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0tag:blogger.com,1999:blog-6210595596237199465.post-21045791048016759762022-03-08T14:00:00.010-08:002022-03-08T14:10:41.837-08:00March Newsletter 2022<p style="text-align: left;"><br /></p><table bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background-color: white; border-collapse: collapse; border-spacing: 0px; color: black; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; margin: 0px auto; table-layout: fixed; text-align: left; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; margin: 0px; padding: 0px;"><blockquote style="border: none; margin: 0 0 0 40px; padding: 0px;"><table bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; text-align: center; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_1112559397961266885container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;" width="100%"><h1 style="box-sizing: border-box; font-size: 26px; line-height: 34px; margin-bottom: 0px; margin-top: 0px; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><span style="box-sizing: border-box;">We're kicking off </span><span style="box-sizing: border-box;">National Credit Education Month </span><span style="box-sizing: border-box;">with Credit Restoration Institute Executive Director, Robert Linkonis spearheading </span><span style="box-sizing: border-box;">the effort to get a</span><span style="box-sizing: border-box;"> “Credit Curriculum” </span><span style="box-sizing: border-box; color: #0b5394;"><a data-saferedirecturl="https://www.google.com/url?q=https://www.facebook.com/1182500291/videos/2053169664842236&source=gmail&ust=1646859540063000&usg=AOvVaw3EVAc2Msa8VXLGlS3sF5Rh" href="https://www.facebook.com/1182500291/videos/2053169664842236" rel="noopener noreferrer" style="background-color: #01ffff; box-sizing: border-box;" target="_blank">taught in schools</a></span><span style="box-sizing: border-box;">. Stay tuned!"</span></div></h1></td></tr></tbody></table></blockquote><p><br /></p><a href="https://www.facebook.com/1182500291/videos/2053169664842236" imageanchor="1" rel="nofollow" style="clear: left; display: inline !important; font-size: 26px; margin-bottom: 1em; margin-right: 1em; text-align: center;" target="_blank"></a><a href="https://www.facebook.com/1182500291/videos/2053169664842236" imageanchor="1" rel="nofollow" style="clear: left; display: inline !important; font-size: 26px; margin-bottom: 1em; margin-right: 1em; text-align: center;" target="_blank"><img border="0" data-original-height="1118" data-original-width="1000" height="400" src="https://blogger.googleusercontent.com/img/a/AVvXsEiEPhaKb22V2RXHp30l_0vCAsy7pLtjcyAvSShCX37nfBgvLDRTP73Tr4rJJ7lBkvL_DyOHkBVReiY4EWLBNmHUGUZnZd3M6LL5gSAmNmjFXYuG_xVYyzcwxmsFMQ1a7KltQIbyYrMhHuwsYzdIwGJ7xzEqHvdclv7ns0m7VWQwjFZA5Lu-uK9fhOjA=w358-h400" width="358" /></a><blockquote style="border: none; margin: 0 0 0 40px; padding: 0px;"><table bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; text-align: center; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_1112559397961266885container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;" width="100%"><h1 style="box-sizing: border-box; font-size: 26px; line-height: 34px; margin-bottom: 0px; margin-top: 0px; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><span style="box-sizing: border-box;"></span></div></h1><div style="box-sizing: border-box; text-align: center;"></div></td></tr></tbody></table></blockquote><br /></td></tr></tbody></table><table bgcolor="" border="0" cellpadding="0" cellspacing="0" class="m_1112559397961266885container" role="presentation" style="background-color: white; border-collapse: collapse; border-spacing: 0px; color: black; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; margin: 0px auto; padding-bottom: 5px; padding-top: 5px; table-layout: fixed; text-align: left; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_1112559397961266885container" style="box-sizing: border-box; margin: 0px; padding: 0px 15px 15px;" width="100%"><br /><table bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; text-align: center; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_1112559397961266885container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><div style="box-sizing: border-box; line-height: 24px;"><h1 style="box-sizing: border-box; font-size: 26px; line-height: 34px; margin-bottom: 0px; margin-top: 0px; text-align: left;"><span style="background-color: #cffbff; box-sizing: border-box; color: #2969b0;">It’s National Credit Education Month!</span><br style="box-sizing: border-box;" /></h1><div style="text-align: left;"><br /></div><div style="box-sizing: border-box; text-align: left;">In honor of National Credit Education Month, we’re going to share some basic credit information that we think everyone should know. We believe that understanding credit is the first step in achieving a healthy credit score.</div><br style="box-sizing: border-box;" /><div style="box-sizing: border-box; text-align: left;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #2969b0; font-size: 18px;">What is Credit?</span></strong></div><div style="box-sizing: border-box; text-align: left;">Starting with the most basic, credit is the ability to borrow money or access goods or services with the understanding that you’ll pay later.</div><div style="text-align: left;"><br /></div><div style="box-sizing: border-box; text-align: left;">Creditors, lenders, merchants and service providers, grant credit based on their confidence you can be trusted to pay back what you borrow — or, your creditworthiness. Your creditworthiness is summed up in a 3-digit number known as a credit score.</div><br style="box-sizing: border-box;" /><div style="box-sizing: border-box; text-align: left;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #2969b0; font-size: 18px;">The 3 Major Consumer Reporting Agencies</span></strong></div><div style="box-sizing: border-box; text-align: left;">Equifax, Experiean, and TransUnionEach one will have a slightly different score, but they all use the same information found in your credit report.</div><br style="box-sizing: border-box;" /><div style="box-sizing: border-box; text-align: left;"><strong style="box-sizing: border-box;">Your credit report is based on several factors including:</strong></div><ol style="box-sizing: border-box;"><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">The number of credit card accounts you have and the borrowing limits and current balances.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">The amounts of any loans you’ve taken out and how much of them you’ve paid back.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Monthly payments on your accounts and whether they were made on time, late or missed.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Severe financial setbacks, if any, including mortgage foreclosures, car repossessions and bankruptcies.</li></ol><div style="box-sizing: border-box; text-align: left;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #2969b0; font-size: 18px;">Credit Scores</span></strong></div><div style="box-sizing: border-box; text-align: left;">There are different models that provide you with a credit score, such as a FICO Score and a VantageScore. They calculate your scores differently but both associate those with better credit history with a higher score, and assign a lower score to those with lower creditworthiness.Both of these models take into account the four types of credit: Revolving credit, charge cards, service credit, and last but not least, installment credit.</div><div style="box-sizing: border-box; text-align: center;"><br style="box-sizing: border-box;" /></div><div style="box-sizing: border-box; text-align: left;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #2969b0; font-size: 18px;">Types of Credit</span></strong></div><div style="box-sizing: border-box; text-align: left;">Revolving credit: your typical credit card, like Capital One, Chase, or DiscoverCharge cards: similar to revolving credit, however you have to pay the full balance every month. Think of your typical store credit card, like Target or Old NavyService credit: services you are provided every month with the understanding you will pay for it after the fact. For example, your cable or electric bill, or even your gym membership.Installment credit: student, auto, or home loans. You borrow X amount of dollars, and in a payment plan, you pay back X + any interest and fees.</div><br style="box-sizing: border-box;" /><div style="box-sizing: border-box; text-align: left;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/credit-worthiness-1&source=gmail&ust=1646859540063000&usg=AOvVaw2BT-9F1qmEZwJkYFpse9AR" href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="noopener noreferrer" style="box-sizing: border-box; color: #1155cc;" target="_blank"><strong style="box-sizing: border-box;">Your creditworthiness</strong></a><strong style="box-sizing: border-box;"> – credit score – affects everything. Good credit is necessary for major purchases like a home or a new car, but it’s also important to receive the best deals from credit lenders.</strong></div><br style="box-sizing: border-box;" /><div style="box-sizing: border-box; text-align: left;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #2969b0; font-size: 18px;">Things You Can Do Today</span></strong></div><ul style="box-sizing: border-box;"><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Pull your free credit report. Please note, this report will not include your credit score. You can use a service like <a data-saferedirecturl="https://www.google.com/url?q=http://annuacreditreport.com&source=gmail&ust=1646859540063000&usg=AOvVaw2s94hi44tKymCTKWv9PXxx" href="http://annuacreditreport.com/" rel="noopener noreferrer" style="box-sizing: border-box; color: #1155cc;" target="_blank">annuacreditreport.com</a></li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Check out your credit score. There are several ways to pull a free score, you can check with your bank, credit union, or credit card company. Be careful of any services that require your credit card or debit information. Free credit score checks should be free.</li></ul><span><div style="box-sizing: border-box; line-height: 24px;"><span><br /></span></div><div style="box-sizing: border-box; line-height: 24px;"><span><br /></span></div><br /></span><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEho1h8sboNQIGltbMwMi57vAQjLZpHm0WwgUsm026U8T66OJFeLcXHZmkMiXCe5w6por-uIMpJR2ZbhaFPMeDpjRSYLvEaiIGoz_ELC06VDRJxRm7F-QyQr8_Liv14-rl0ac5nFaPyAhPrLiJbz3waMLjcG92sox1BZ2Q2m8j85hhxzgXoP-E6_yPRA=s583" style="margin-left: 1em; margin-right: 1em;"><img alt="Real Results" border="0" data-original-height="305" data-original-width="583" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEho1h8sboNQIGltbMwMi57vAQjLZpHm0WwgUsm026U8T66OJFeLcXHZmkMiXCe5w6por-uIMpJR2ZbhaFPMeDpjRSYLvEaiIGoz_ELC06VDRJxRm7F-QyQr8_Liv14-rl0ac5nFaPyAhPrLiJbz3waMLjcG92sox1BZ2Q2m8j85hhxzgXoP-E6_yPRA=w400-h209" title="Real Results" width="400" /></a></div><br /><div><br /></div><div><div style="text-align: left;">Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</div><div style="text-align: left;"><br /></div><div style="text-align: left;">As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</div><div style="text-align: left;"><br /></div><div style="text-align: left;">You too can improve your <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">creditworthiness</a>.</div></div><div style="text-align: center;"></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjKLg8ONzyTKrukz7LhGGOsoWED4A8Nq4FTEJDbjO7cF04TZCJyqFmAzUoBWG2-yEFc3Phi5wBg_1s9Ie7O6ETAMjCHmTG4Ws65kTu-Ui1A8m8uAMZiJ0o5Dl-4pSavNKTv7kL9jQBM0qQvqVzvkEmP1zmFIb6wqf4lg0pmOupmXnAKVU4uRHpfGypO=s600" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Worthiness" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEjKLg8ONzyTKrukz7LhGGOsoWED4A8Nq4FTEJDbjO7cF04TZCJyqFmAzUoBWG2-yEFc3Phi5wBg_1s9Ie7O6ETAMjCHmTG4Ws65kTu-Ui1A8m8uAMZiJ0o5Dl-4pSavNKTv7kL9jQBM0qQvqVzvkEmP1zmFIb6wqf4lg0pmOupmXnAKVU4uRHpfGypO=w400-h209" title="Credit Worthiness" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: left;">Did you know? Creditworthiness is the extent to which a person is considered suitable to receive financial credit, often based on their reliability in paying money back in the past. Creditworthiness has a huge effect on one's mental health. For many, having access to basic human needs relies heavily on your credit score. Often, those with poor or bad credit end up in a cycle of debt resulting in higher levels of anxiety, depression, and hopelessness.</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="128" data-original-width="820" height="50" src="https://blogger.googleusercontent.com/img/a/AVvXsEjUKnGmpjwhkoS86EWUFbPpRrG2UNFYAlSKhOIbQVxXoBsLabutCETN_hH3wRq_DF79PNZ6HZsljkWDPef3-msxkxNefR-Zuq0a7GsNupkF-rpFRnbTCMHPnTzf_BCBnQo5bbnqJwZk1QhGHjq1FLrRoNQoBNhluzBvsW2uOvoFEBwzoDACUbktG7oh=s320" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both;"><br /></div></div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjienfVdMlcnGGdDMcRjpTasXFu32guAHxYDjmH2F8de3GSTirp_9okn7rvSOUKu318soOA5BXIIdcFd_yKwLFqnyaChkB6NhsLkLWre6JyEILGQC77ejXbR38qT4L-59dmmPiiTRQZD2a9ZsE0XNeTFBuf6iWCl5G2GLqNr3Z3suABqXiUzCMX860Y=s1200" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEjienfVdMlcnGGdDMcRjpTasXFu32guAHxYDjmH2F8de3GSTirp_9okn7rvSOUKu318soOA5BXIIdcFd_yKwLFqnyaChkB6NhsLkLWre6JyEILGQC77ejXbR38qT4L-59dmmPiiTRQZD2a9ZsE0XNeTFBuf6iWCl5G2GLqNr3Z3suABqXiUzCMX860Y=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;">Give us a call today to start your credit repair journey!</div><div class="separator" style="clear: both;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div class="separator" style="clear: both;"><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a></div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="130" data-original-width="822" height="51" src="https://blogger.googleusercontent.com/img/a/AVvXsEgsgXucsF7-qf5VSGKmnaXykCXANDv5_1UUuVmm11vFfg7U6jClzuKS2i-e86TGXQuJI9JykhB6BlI5VXqj7s4Lc-iVNEjb8T96Nc0l_lKE7zuWOSAzV_p5x_gMb5sGOpASvSjHppT90kibMeT8v-msABnMP_EJLYlZWresTe54BrUN0TRw_XeuqNHC=s320" width="320" /></a></div><br /><div class="separator" style="clear: both;"><br /></div></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><br /></td></tr></tbody></table><br /></td></tr></tbody></table>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-63513586221076490352022-02-04T08:22:00.006-08:002022-02-04T08:24:50.369-08:00February Newsletter 2022<p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; color: #d21668; font-size: 36px;"><b>Happy Valentine's Day!</b></span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgevD7uU_ldDUO8m5p5CD5ky0q4A6HhuyTXTz-AB44J3_X9YMHpn1VirJHkZtZE4ftX0C_VOPzOF_-5XZyzs9QTNX6CkxJBxFhC_FYoFRdL-3oejCiH7jW3cYZuCnqsswvICttPy4OALRtculrOiIH3ZlCG5ynybOAP-sDnlJ3YMva8a9X1WczLF8Gj=s700" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="366" data-original-width="700" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEgevD7uU_ldDUO8m5p5CD5ky0q4A6HhuyTXTz-AB44J3_X9YMHpn1VirJHkZtZE4ftX0C_VOPzOF_-5XZyzs9QTNX6CkxJBxFhC_FYoFRdL-3oejCiH7jW3cYZuCnqsswvICttPy4OALRtculrOiIH3ZlCG5ynybOAP-sDnlJ3YMva8a9X1WczLF8Gj=w400-h209" width="400" /></a></div><br style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-size-adjust: 100%;" /><p></p><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;">In the spirit of Valentine’s Day and love, we’re talking all about money and relationships this month!</div><p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">Did you know your credit score can do more than affect your ability to secure a loan… It can also affect your relationships! According to research conducted by the Federal Reserve Board in 2015 people with the highest credit scores were more likely to form long-lasting committed relationships.</span></p><p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">The larger the discrepancy between a couple’s credit score, the more likely the relationship would end within the first 5 years. (</span><a href="https://www.chicagotribune.com/lifestyles/sc-credit-score-relationship-family-1220-20170120-story.html" rel="noopener noreferrer" style="box-sizing: border-box; color: #70c2c3; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-size-adjust: 100%; user-select: auto;" target="_blank">source</a><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">)</span></p><p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">Better yet, couples who regularly talk about money are happier in their relationships than those who discuss finances less frequently: 42 percent of participants who said they talk about money at least once per week described their relationship as “extremely happy.” (</span><a href="https://www.moneyhabitudes.com/financial-statistics/" rel="noopener noreferrer" style="box-sizing: border-box; color: #70c2c3; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-size-adjust: 100%; user-select: auto;" target="_blank">source</a><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">)</span></p><p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">Approximately 31% of all couples clash over finances at least once a month, usually over a bigger purchase! (</span><a href="https://www.moneyhabitudes.com/financial-statistics/" rel="noopener noreferrer" style="box-sizing: border-box; color: #70c2c3; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-size-adjust: 100%; user-select: auto;" target="_blank">source</a><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">)</span></p><p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;">As you can see, healthy financial practices, regularly discussing money and purchases, and keeping your credit score in good standing are super important factors in your romantic relationships!</span></p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhAgslLam7m8ubqkPt8wOMrQ-Di6tm4fRHEnKM2gK3alz9cW_FBdfeH-MRF485y-jjFEij8ADEb7nqSzfF0qy1gQQ6n2CnTHBzRi0dyGrjhQdAhpJ7hs0Dn27C6zxX0Wjzzk6QA-jasPocBd3graAwXpfuQivtMGF_mAiBk26s5UGDt8PzSgDhFSpF5=s700" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="366" data-original-width="700" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEhAgslLam7m8ubqkPt8wOMrQ-Di6tm4fRHEnKM2gK3alz9cW_FBdfeH-MRF485y-jjFEij8ADEb7nqSzfF0qy1gQQ6n2CnTHBzRi0dyGrjhQdAhpJ7hs0Dn27C6zxX0Wjzzk6QA-jasPocBd3graAwXpfuQivtMGF_mAiBk26s5UGDt8PzSgDhFSpF5=w400-h209" width="400" /></a></div><p></p><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;">These are REAL results! Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</div><div class="separator" style="clear: both; text-align: center;"><br style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: start; text-size-adjust: 100%;" /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;">As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</div><br style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: start; text-size-adjust: 100%;" /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;">You too can improve your <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="noopener noreferrer" style="box-sizing: border-box; color: #70c2c3; text-size-adjust: 100%; user-select: auto;" target="_blank">creditworthiness</a>.</div></div><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Our Services" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEgUmpxXxV5GYu_oyzS7CfhxAWi1bTIGcYAdwOy6KCjDOvvUazJSC8smDh5SVmyUFYk7IW_68F84j1YxFODdQ09fLQuhpIRGI44avD1LB_ADUtP1MSKvRwpscBPeXWeMpCUowbUTP45QuOLe0jaa_Klphgv_YdoninQShNmRczi9hjKs85B8NOkeI-zr=w400-h209" title="Our Services" width="400" /></a></div><br /><p><br /></p><p><span style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 30px; font-weight: 700; text-align: center; text-size-adjust: 100%;"><span style="box-sizing: border-box; color: #2969b0; text-size-adjust: 100%;">How to Talk About Money </span></span><span style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 30px; font-weight: 700; text-align: center; text-size-adjust: 100%;"><span style="box-sizing: border-box; color: #2969b0; text-size-adjust: 100%;">With Your Partner</span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgrBFXAg3Gtp_ljW750BoDVo4e3fipMg5bypVN3qRK_hA_u8RKA8uqHPbz5CSTBffa8aaq9H1cXhPRm6EDcorjtwLRgClaO5i80nZ_KIqqXgUa7KtYPxdk06495lGS-37u13YPuKpc9yANM-1ju2YLy1-FHNqkL8-UZfPtrgTR11cIPMWLIppjBybAd=s700" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="366" data-original-width="700" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEgrBFXAg3Gtp_ljW750BoDVo4e3fipMg5bypVN3qRK_hA_u8RKA8uqHPbz5CSTBffa8aaq9H1cXhPRm6EDcorjtwLRgClaO5i80nZ_KIqqXgUa7KtYPxdk06495lGS-37u13YPuKpc9yANM-1ju2YLy1-FHNqkL8-UZfPtrgTR11cIPMWLIppjBybAd=w400-h209" width="400" /></a></div><br /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center; text-size-adjust: 100%;"><span style="text-align: left;">It can be scary to talk about money with your partner, especially if you haven’t before and especially if your finances are not where you’d like them to be.This article published by NPR outlines some great tips to start the conversation, starting with the ultimate icebreaker: "how comfortable do you feel being open about money?"</span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center; text-size-adjust: 100%;"><span style="box-sizing: border-box; font-weight: 700; text-size-adjust: 100%;"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: center; text-size-adjust: 100%;"><span style="box-sizing: border-box; font-weight: 700; text-size-adjust: 100%;">More questions to discuss:</span></div><ul style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; list-style-position: inside; text-size-adjust: 100%;"><li style="box-sizing: border-box; text-size-adjust: 100%;">How much do both of you make?</li><li style="box-sizing: border-box; text-size-adjust: 100%;">Do you have student loan debt?</li><li style="box-sizing: border-box; text-size-adjust: 100%;">Are you comfortable carrying credit card debt?</li><li style="box-sizing: border-box; text-size-adjust: 100%;">How should you, as a couple, handle money?</li></ul><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;">Sharing this information with each other is certainly a form of intimacy and can only strengthen your relationship if you are open and honest with one another.</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;"><br /></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgAU3-kjK4KPhzk72Mi9NEVFN4SBrbaotb3HLKkjxVgric9ivrkBQtK4gm8pvpD6YseQqajhuCHBqIo-941BE5VuS0zL2nQX_SN9cSp_IyTeHEuaNh7fGzEPO_70-VTJ1H7vw1I4O86rnyqPF5r8sxt4kNS44BglmoN97vCdp3MLQMOFbhrodv7Ls1W=s1200" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEgAU3-kjK4KPhzk72Mi9NEVFN4SBrbaotb3HLKkjxVgric9ivrkBQtK4gm8pvpD6YseQqajhuCHBqIo-941BE5VuS0zL2nQX_SN9cSp_IyTeHEuaNh7fGzEPO_70-VTJ1H7vw1I4O86rnyqPF5r8sxt4kNS44BglmoN97vCdp3MLQMOFbhrodv7Ls1W=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;">Give us a call today to start your credit repair journey!</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><a href="mailto:mail@creditrestorationinstitute.com" style="box-sizing: border-box; color: #1155cc; font-family: Helvetica;" target="_blank">mail@<wbr style="box-sizing: border-box;"></wbr>creditrestorationinstitute.com</a></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="178" data-original-width="892" height="64" src="https://blogger.googleusercontent.com/img/a/AVvXsEgcHOdcuhW5HKGtpFaIA97BZDbpBKnS0x_6Zf-LftlAwZ1s4_qFq7vitSvV4TD9ArNtHwbRG4kSYmRoQ160lTDN7u9qje8WJ0uP-O4YoW-JPJYgrfr3bPzyHqgxq8MjeQE6yBS-elwC24g9l7ny-w2LUdZHRqpx-XDuh9MSW6ipp2criU27UZ23FQec=s320" width="320" /></a></div><br /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><br /></div></div><br /><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left; text-size-adjust: 100%;"><br /></div><p><span face="Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; font-size: 16px;"><br /></span></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-30936966358541435462022-01-19T11:05:00.015-08:002022-01-19T18:27:58.804-08:00January 2022 Newsletter<h2 style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><br /></h2><div><span style="font-family: arial;">A message from Robert Linkonis Sr., Executive Director</span></div><div><h2 style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><span style="box-sizing: border-box; font-size: 30px;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #2969b0;">Happy New Year!</span></strong></span></h2><h2 style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><br /></h2><h2 style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiivnK5L-Ma0TG97Sf52OjnRAPiLC0jDOfktjElHyRgIgLYNODEz-uzxvjSqVs1_gbf3RIAdNEKKzH_kkP45460uhXk5NigZ-py93cdBMV9yRN5RgtMQ6rKrZIyumqzrGtVfxdt9XAT5MkaTheDmEahKjRkzbz55Wqn_RZUooesDr3WYGXgqxRhM-h-=s900" imageanchor="1" style="background-color: transparent; font-size: 30px; margin-left: 1em; margin-right: 1em;"><img alt="Achieving Good Credit" border="0" data-original-height="471" data-original-width="900" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEiivnK5L-Ma0TG97Sf52OjnRAPiLC0jDOfktjElHyRgIgLYNODEz-uzxvjSqVs1_gbf3RIAdNEKKzH_kkP45460uhXk5NigZ-py93cdBMV9yRN5RgtMQ6rKrZIyumqzrGtVfxdt9XAT5MkaTheDmEahKjRkzbz55Wqn_RZUooesDr3WYGXgqxRhM-h-=w400-h209" title="Achieving Good Credit" width="400" /></a></h2></div><h2 style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><strong style="box-sizing: border-box; font-size: 30px;"><span style="box-sizing: border-box; color: #2969b0;">Achieving Good Credit</span></strong></h2><div class="separator" style="clear: both; text-align: center;"><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">With the New Year, many individuals start thinking about all they want to accomplish in the coming months. Maybe buying a home is on your list of new year’s resolutions?</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">If buying a home feels unachievable, start by working on your credit score. A credit score of at least 700 is the first step in qualifying for mortgage loans. While practicing good credit habits and addressing any credit issues are the first steps, according to the FTC, nearly 20% of credit reports contain errors!</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">Alongside working with us to legally repair inaccurate and unverifiable items, here are some things you can do to help build your credit score.</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><ul style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: start;"><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Don’t miss a payment – set up automatic payments so you never miss a payment.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Catch up on past due accounts – if you are past due on any accounts, do what you can to catch up. Try using the <a data-saferedirecturl="https://www.google.com/url?q=https://www.investopedia.com/articles/personal-finance/080716/debt-avalanche-vs-debt-snowball-which-best-you.asp&source=gmail&ust=1642725856532000&usg=AOvVaw3gNa82PdbLr--Vcr3AMHYi" href="https://www.investopedia.com/articles/personal-finance/080716/debt-avalanche-vs-debt-snowball-which-best-you.asp" rel="noopener noreferrer" style="box-sizing: border-box; color: #1155cc;" target="_blank">debt snowball or debt avalanche method</a>.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Pay down revolving balances – try to keep your credit usage to below 30%. Pay down any revolving balances to reach this mark.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Limit how often you apply for new lines of credit – especially while working to rebuild your credit!</li></ul><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">Negative remarks, while they will diminish over time and fall off your report after 7 years, are best addressed as soon as possible.</div></div><p style="text-align: left;"><br /></p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEihQ8WUYJJuNnHhEyq7s-p-wtq7dQkBFvr4v9iP6cf8cbNGbi-_UDbx6oPG0nBTSU1VuiGl-R_aX0_zIjL7EV_cF8F9LjZKiz2AuKndSabnCW5c3XUpYBAVtbLDHWs_48tmQrgaVHg75fZo7QxqSjVkLFu3fpncoZaXUlsPQvVwulYGvQtqxtRqyXtS=s900" style="margin-left: 1em; margin-right: 1em;"><img alt="Real Results" border="0" data-original-height="471" data-original-width="900" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEihQ8WUYJJuNnHhEyq7s-p-wtq7dQkBFvr4v9iP6cf8cbNGbi-_UDbx6oPG0nBTSU1VuiGl-R_aX0_zIjL7EV_cF8F9LjZKiz2AuKndSabnCW5c3XUpYBAVtbLDHWs_48tmQrgaVHg75fZo7QxqSjVkLFu3fpncoZaXUlsPQvVwulYGvQtqxtRqyXtS=w400-h209" title="Real Results" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank"><span style="color: #0b5394;">You too can improve your creditworthiness.</span></a><br style="box-sizing: border-box;" /></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiUGtgHXbDuld5jwCuvpKre2ohIYgcm8pw7HlH2BlWFShDcCs0gLRkqTk9wNWQCns4PRKyiRGO3q6UiEwo6-CBKeFyYeYS8_IsLy1HpB-4LudwXT5HvixwOB5jHv74z0iHQFbhAg7iXHtb2HkDSK0nlaF0cxY9AQqFNIMtC6PtYp4-oHSF-Wt9DTaHu=s600" style="margin-left: 1em; margin-right: 1em;"><img alt="Our Services" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEiUGtgHXbDuld5jwCuvpKre2ohIYgcm8pw7HlH2BlWFShDcCs0gLRkqTk9wNWQCns4PRKyiRGO3q6UiEwo6-CBKeFyYeYS8_IsLy1HpB-4LudwXT5HvixwOB5jHv74z0iHQFbhAg7iXHtb2HkDSK0nlaF0cxY9AQqFNIMtC6PtYp4-oHSF-Wt9DTaHu=w400-h209" title="Our Services" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div style="clear: both;"><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><span style="color: #073763; font-family: arial;"><p style="text-align: left;">• <a href="https://creditrestorationinstitute.com/services" rel="nofollow" target="_blank">Credit Consulting</a> • <a href="https://creditra.blogspot.com/2022/01/january-2022-newsletter.html" rel="nofollow" target="_blank">Credit Report Audit</a> <br />• <a href="https://creditrestorationinstitute.com/services" rel="nofollow" target="_blank">Credit Education</a> <span style="text-align: center;">• <a href="https://creditra.blogspot.com/2022/01/january-2022-newsletter.html" rel="nofollow" target="_blank">Credit Disputes</a> </span></p></span></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhPtbyzF9b1WlSmfeHmMukxDQKJfzJvLR43EHngE_py-Y8Vidbi0iqeNIwGlJMSMeh0UP6SXw-QDjVY7qoZZi3y1fyw-yZ2XD3C9yhic5-nF7VaTpkle1iZBxFtgsRqn8QXyUVXmvNOowNe_Z-z0qYUQtKoWrzdYfHzCMSrBKaLg5HoArQdbzGeKXPJ=s600" style="margin-left: 1em; margin-right: 1em;"><img alt="Debt Free Journey" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEhPtbyzF9b1WlSmfeHmMukxDQKJfzJvLR43EHngE_py-Y8Vidbi0iqeNIwGlJMSMeh0UP6SXw-QDjVY7qoZZi3y1fyw-yZ2XD3C9yhic5-nF7VaTpkle1iZBxFtgsRqn8QXyUVXmvNOowNe_Z-z0qYUQtKoWrzdYfHzCMSrBKaLg5HoArQdbzGeKXPJ=w400-h209" title="Debt Free Journey" width="400" /></a></div><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><strong style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 24px;"><span style="box-sizing: border-box; color: #2969b0;">Tips To Start Your Debt Free Journey</span></strong></div><div class="separator" style="clear: both; text-align: center;"><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><br style="box-sizing: border-box;" /></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">According to the ConsumerFed, 1/4 of low-income individuals are unaware of how to increase their creditworthiness. We want to help you by giving you the education and tools you need to rebuild your credit profile now and manage your credit and finances in the future. The more best practices you know, the better you'll be off!</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">Sometimes knowing where to start when we want to make a difference is hard. Here are some financial ideas to jump start your new year's resolutions! Start with one or two and see where it gets you!</div><div style="text-align: left;"><span face="Arial, "Helvetica Neue", Helvetica, sans-serif"><br /></span></div><ul style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: start;"><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Cut unnecessary expenses – if you truly don’t need it to survive or it doesn’t add meaning to your life, eliminate it. </li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Budget! – you will hear this over and over again, but setting a budget is so important in realistically knowing where your money is going. Start by simply tracking all of your expenses, decide what can be eliminated, and move forward with a realistic budget from there.</li><li style="box-sizing: border-box; margin-left: 15px; text-align: left;">Pay more than the amount due – paying the minimum due balance just means you’re paying more in interest over the long run, making any items you bought on credit even more expensive than you originally paid for.</li></ul></div><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi8uMcycwjOX-Mm5QZ-28kG5eOZIG2OgTOzvQEdsWu9uhyzsAYUj75ziN1dHGHYAvVRafv1DPWnejU178H3tu8knJMYKpqqF1e-GHLMM7AqOlKRJpyxYFPNoM8kOUzroy_HHzYYusMZ8RrE9iDq3xMMvCP9GZZKPRwXQ3gsP3NOOWCAAUz6czTnk8eJ=s1200" style="margin-left: 1em; margin-right: 1em;"><img alt="Contact us" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEi8uMcycwjOX-Mm5QZ-28kG5eOZIG2OgTOzvQEdsWu9uhyzsAYUj75ziN1dHGHYAvVRafv1DPWnejU178H3tu8knJMYKpqqF1e-GHLMM7AqOlKRJpyxYFPNoM8kOUzroy_HHzYYusMZ8RrE9iDq3xMMvCP9GZZKPRwXQ3gsP3NOOWCAAUz6czTnk8eJ=w400-h209" title="Contact us" width="400" /></a></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><br /></div><div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">Give us a call today to start your credit repair journey!</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><a href="mailto:mail@creditrestorationinstitute.com" style="box-sizing: border-box; color: #1155cc; font-family: Helvetica;" target="_blank">mail@<wbr style="box-sizing: border-box;"></wbr>creditrestorationinstitute.com</a></div></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Fill out this easy form on our website" border="0" data-original-height="184" data-original-width="830" height="89" src="https://blogger.googleusercontent.com/img/a/AVvXsEiJHzhYvoPG0AWb88XChSI9k8zX0c69ASJ5Kbrl8GVJsFI_jigZZCwbaM8BalzGyhZFl2Oxmqqb7ts1S5CSbhpzt2DUcY4N4i8z27dB_OAVtFYK7rbB8IBxqDjGWna-flAiWx0K-BkHgRX2bWyi0AdNhynN9idFGWMVD-4cm0jTGpg9ZOCzydwkjbb9=w400-h89" title="Fill out this easy form on our website" width="400" /></a></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><br /></div></div><div style="text-align: left;"><br /></div><div style="background-color: white; box-sizing: border-box; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; text-align: left;"><br /></div></div><div style="text-align: left;"><br /></div><p style="text-align: left;"><br /></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-47565505186379706182021-12-16T07:38:00.000-08:002021-12-16T07:38:04.737-08:00December 2021: Happy Holidays!<p> <a href="https://blogger.googleusercontent.com/img/a/AVvXsEikycBaYXh4UHtJd0ZZNbg9vG6261QzeiHV8c9_BQtkwsbT9RwpjEFkpEx8Hi6qdhXv0hYIYstITqbXFxNhKTb30hW7m_BefJHPsjnScYX6BZYBqv4O7H5yRLKhs0PDPSiwPxcDewo-IdcMZxYlKRFIWRR0MPz5ODWzTk5b2G05tGWPmk_DwjwWGlEs=s1200" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img alt="Happy Holidays from the Credit Restoration Institute Team" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEikycBaYXh4UHtJd0ZZNbg9vG6261QzeiHV8c9_BQtkwsbT9RwpjEFkpEx8Hi6qdhXv0hYIYstITqbXFxNhKTb30hW7m_BefJHPsjnScYX6BZYBqv4O7H5yRLKhs0PDPSiwPxcDewo-IdcMZxYlKRFIWRR0MPz5ODWzTk5b2G05tGWPmk_DwjwWGlEs=w400-h209" title="Happy Holidays from the Credit Restoration Institute Team" width="400" /></a></p><h2 style="clear: both; text-align: left;"><span style="color: #0b5394;">A Lesson in Credit Scores</span></h2><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: left;">As we're in full swing of the hustle and bustle of the holiday season, it can be easy to fall into the mindset that you have to spend lots of money and buy lots of gifts for your loved ones. This mindset drives 22% of Americans to go into over $550 in debt every year! [<a href="https://fortunly.com/statistics/christmas-spending-statistics/#gref" rel="nofollow" target="_blank">source</a>] And if you’re using credit cards, it could potentially be more with penalties, late fees, and finance charges. All of this could lead to damaging your <a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">creditworthiness</a>.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">While there are some benefits to using credit cards, like cash back bonuses and other incentives, if you don’t feel confident in your ability to pay back the loan, don’t use a card.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Check out our roundup of low-cost gifts that your loved ones are sure to appreciate and stay out of the cycle of debt!</div><div class="separator" style="clear: both; text-align: left;"><br /></div></div><p></p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiF4xYV_hfiioAUqQWDzsHuX-XonR-xbThAl4pZCtF-VWCnDLWWcqWwuHIZ7-fcEtuqNxRXLAqS2hOP6E1YPp6u0lpaA34pDuNJPyQtOmAcZpJhnY-8XZ1h6lZbZ5OfIXKEGSzECZPLQKqoiJO0WfjXpkVEzl6BG3e2UxkF9OSLs-HjEli3zo0md8Ox=s900" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="No Cost Gifts" border="0" data-original-height="471" data-original-width="900" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEiF4xYV_hfiioAUqQWDzsHuX-XonR-xbThAl4pZCtF-VWCnDLWWcqWwuHIZ7-fcEtuqNxRXLAqS2hOP6E1YPp6u0lpaA34pDuNJPyQtOmAcZpJhnY-8XZ1h6lZbZ5OfIXKEGSzECZPLQKqoiJO0WfjXpkVEzl6BG3e2UxkF9OSLs-HjEli3zo0md8Ox=w400-h209" title="No Cost Gifts" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><h2 style="clear: both; text-align: left;"><span style="color: #0b5394;">No Cost Gifts</span></h2><p></p><div class="separator" style="clear: both; text-align: center;"><ul><li style="text-align: left;">Create a playlist of your favorite songs and listen to it together.</li><li style="text-align: left;">Regift an item from your home. Chances are you have something you're not using that a loved one would cherish!</li><li style="text-align: left;">Make dinner and enjoy conversation and spending time with one another.</li><li style="text-align: left;">Create a memories jar and write down your favorite memories. When they are missing you they can pull out a memory that makes them smile!</li><li style="text-align: left;">Give the gift of time nothing is more important that spending time together, why not gift that very thing!</li><li style="text-align: left;">Offer to babysit if they need a night out free from kids.</li><li style="text-align: left;">Plan a scavenger hunt that sends them around to all their favorite places!</li></ul></div><p><br /></p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiotM9wRrbOQjnp-iFoPu9wH7R2QsqQCmJi3Wxm7gVAqkFbti1lhI9pFNC5HiwA8dFLxKUPwSQII31Og_KDud984Rholwtfc0MvY9Re7MO3eyvoZ6s0UmrHO4eeq0M62_nH5BH5-L6LkPDLqwaKvb-_qrq04h45cXF6iLV9r7oeU9TjoJ_XCn5xwEkh=s1200" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="These are REAL results!" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEiotM9wRrbOQjnp-iFoPu9wH7R2QsqQCmJi3Wxm7gVAqkFbti1lhI9pFNC5HiwA8dFLxKUPwSQII31Og_KDud984Rholwtfc0MvY9Re7MO3eyvoZ6s0UmrHO4eeq0M62_nH5BH5-L6LkPDLqwaKvb-_qrq04h45cXF6iLV9r7oeU9TjoJ_XCn5xwEkh=w400-h209" title="These are REAL results!" width="400" /></a></div><br /><h2 style="text-align: left;"><span style="color: #0b5394;">These are REAL results!</span></h2><p>Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</p><p>As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</p><p>You too can improve your creditworthiness.</p><p></p><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjkYEpYokcRg1T0GXHIFNaf5R-f76cxUM98faRcASDJc9VZB4BJSyC6Lxa7SR9avsDHtcoQjEIWU1fWMBEoVURWXNN8ZFE4hxqjNuyr5vJ_1GQZHpEfuQBAk1y1xeD8ziazGNJtl2rtmEbpUBfNHm0Pi_oYrdBHQReoWyffxn30FI5O7IkQuopshk9u=s600" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Our Services" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEjkYEpYokcRg1T0GXHIFNaf5R-f76cxUM98faRcASDJc9VZB4BJSyC6Lxa7SR9avsDHtcoQjEIWU1fWMBEoVURWXNN8ZFE4hxqjNuyr5vJ_1GQZHpEfuQBAk1y1xeD8ziazGNJtl2rtmEbpUBfNHm0Pi_oYrdBHQReoWyffxn30FI5O7IkQuopshk9u=w400-h209" title="Our Services" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div><h3 style="clear: both; text-align: left;"><span style="color: #0b5394;"><a href="https://creditrestorationinstitute.com/" rel="nofollow" target="_blank">• Credit Consulting<br /></a><a href="https://creditrestorationinstitute.com/" rel="nofollow" target="_blank">• Credit Report Audit <br /></a><a href="https://creditrestorationinstitute.com/" rel="nofollow" target="_blank">• Credit Disputes<br /></a><a href="https://creditrestorationinstitute.com/" rel="nofollow" target="_blank">• Credit Education </a></span></h3></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi-EDsBd2qny9YlP-QIIZyt-fZkEPGxmkfUVqNauhhDYthQCEncwlxdA7FMSFsvzpBTfkLX9mc_zf7WQcdAyO0RzfkAsPtSAl8pg6OHnKzPj6UZe-2tbke9w2i4o1Aqq8QM1lMhZVS94XyYWRrtl8qC8k56Tx8noJgvlTmje65ACgD3Z63YkopeboUr=s1200" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="New Federal Debt Collection Rule" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEi-EDsBd2qny9YlP-QIIZyt-fZkEPGxmkfUVqNauhhDYthQCEncwlxdA7FMSFsvzpBTfkLX9mc_zf7WQcdAyO0RzfkAsPtSAl8pg6OHnKzPj6UZe-2tbke9w2i4o1Aqq8QM1lMhZVS94XyYWRrtl8qC8k56Tx8noJgvlTmje65ACgD3Z63YkopeboUr=w400-h209" title="New Federal Debt Collection Rule" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><h2 style="clear: both; text-align: left;"><span style="color: #0b5394;">New Federal Debt Collection Rule</span></h2><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: left;">It’s been five years coming, but the Consumer Financial Protection Bureau has finalized the two parts of its debt collection rule under the federal Fair Debt Collection Practices Act. This regulation went into effect November 30, 2021.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">The new regulation, known as Regulation F, has a number of implications for creditors as well as regulating third-party debt collectors.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Now you may be wondering, how will this affect you? We’re here to help! Get in touch with your questions and we’re happy to answer them.</div></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://businesslawtoday.org/2020/12/six-things-creditors-know-new-federal-debt-collection-rule/" rel="nofollow" target="_blank"><span style="color: #0b5394;">View more from Business Law Today</span></a></div></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEimLr-IriwyNOIG2ZOsDl0RuqISUk6liYg4M0DL-gKrdGE87SZAXDqQvThKYwifMybd0MsAS604pOZU3okfkyNq6e6Eqcz0-nqt-Qx5wAT4GyGXt_EAne32xlELTLCFPnJPJwOWaPnH_EPMXONoFO2vQ4YtKzG23Wtm8tNHaJN_bqRA_vry7Xn54mY9=s600" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Contact Us" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEimLr-IriwyNOIG2ZOsDl0RuqISUk6liYg4M0DL-gKrdGE87SZAXDqQvThKYwifMybd0MsAS604pOZU3okfkyNq6e6Eqcz0-nqt-Qx5wAT4GyGXt_EAne32xlELTLCFPnJPJwOWaPnH_EPMXONoFO2vQ4YtKzG23Wtm8tNHaJN_bqRA_vry7Xn54mY9=w400-h209" title="Contact Us" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;">Give us a call today to start your credit repair journey!</div><div class="separator" style="clear: both;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div class="separator" style="clear: both;">mail@creditrestorationinstitute.com</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="184" data-original-width="830" height="89" src="https://blogger.googleusercontent.com/img/a/AVvXsEgQCMOrhReDOfXQQGhohthBQel8DZdfSjSBRsIlKA1f6sfPAxvtQOOrgl07MtIqMF0VHjT_RwWwxPWKILq4a-zDHQbXBZdsxKWEnTmPYbMNeYTTCxKE6XuSmDOUf18or7b0JYHqlufritpHC4nnx31xLM3da0BsX3gzUgAiyLf4PNxIO9nVNSwrbkKm=w400-h89" width="400" /></a></div><br /><div class="separator" style="clear: both;"><br /></div></div><br /><p></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-62509374783362031902021-11-01T14:20:00.007-07:002021-11-01T14:23:01.393-07:00November 2021: Happy Thanksgiving!<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjAK6RBZGrL5fR3pGOWLz4Jn2ySNoeVHs3nwL0lL0VkJVk3UhoVNGMaPBP0aOMk_Ij7q19HvkrD5muEX79ag1q4gc56mjqV3As88XpE0qRzCll251N_g7rG5GLdFMJX93p8Shbqrp8T81Ox7g_KMenY4uKyJ7LlmtJUxnjPigY3t_AoHKFFryO5FeHE=s1200" style="margin-left: 1em; margin-right: 1em;"><img alt="Happy Thanksgiving" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEjAK6RBZGrL5fR3pGOWLz4Jn2ySNoeVHs3nwL0lL0VkJVk3UhoVNGMaPBP0aOMk_Ij7q19HvkrD5muEX79ag1q4gc56mjqV3As88XpE0qRzCll251N_g7rG5GLdFMJX93p8Shbqrp8T81Ox7g_KMenY4uKyJ7LlmtJUxnjPigY3t_AoHKFFryO5FeHE=w400-h209" title="Happy Thanksgiving" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p><p style="text-align: center;"><span style="font-size: x-large;"> A Lesson in Credit Scores</span></p><p><br /></p><p>By now you know that your credit score can affect you in multiple ways, not just in your purchasing power but also mentally and emotionally. But what even is a credit score composed of?</p><p>Three independent credit bureaus exist and create credit reports and any creditor looking to lend you money will consult with these credit bureaus to decide if you are creditworthy.</p><p>• <a href="http://experian.com" rel="nofollow" target="_blank">Experian</a></p><p>• <a href="https://www.transunion.com/" rel="nofollow" target="_blank">TransUnion</a></p><p>• <a href="https://www.equifax.com/" rel="nofollow" target="_blank">Equifax</a></p><p>These credit bureaus create reports that produce a three-digit number you’ll know as a credit score. A credit score takes into consideration all of your credit report information and provides a number that is easy for lenders to interpret and minimizes the possibility of bias.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEh1Jn0y5g7T4YiWESyC2jVap7x0LfxoZCEjuDq3xOEQ3C_1hToTjSKyuWcuMGBqLzgIzdn7NDIhS6S9Owtg72KUu6Dj5gxyUB4m2E7JxAsF11Ee2Erfp0wNXX7eeG-LnnKfo2gIwxYHgnJ83FK45dR187xhalowfCtMnJ7mzC_YY1wRHhJaymHo4f7K=s1200" style="margin-left: 1em; margin-right: 1em;"><img alt="Parts of a credit score" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEh1Jn0y5g7T4YiWESyC2jVap7x0LfxoZCEjuDq3xOEQ3C_1hToTjSKyuWcuMGBqLzgIzdn7NDIhS6S9Owtg72KUu6Dj5gxyUB4m2E7JxAsF11Ee2Erfp0wNXX7eeG-LnnKfo2gIwxYHgnJ83FK45dR187xhalowfCtMnJ7mzC_YY1wRHhJaymHo4f7K=w400-h209" title="Parts of a credit score" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><ol style="text-align: left;"><li>The number of credit card accounts you have and the borrowing limits and current balances.</li><li>The amounts of any loans you’ve taken out and how much of them you’ve paid back.</li><li>Monthly payments on your accounts and whether they were made on time, late, or missed.</li><li>Severe financial setbacks, if any, including mortgage foreclosures, car repossessions, and bankruptcies.</li></ol><div><div><br /></div><div>There are different models used that provide you with a credit score, such as FICO Score and VantageScore, but they both associate a better credit history with a higher score, and assign a lower score to those with lower creditworthiness.</div><div><br /></div><div>Want to know more about your credit score? Receive a FREE credit evaluation today!</div></div></div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Receive your FREE credit report evaluation" border="0" data-original-height="178" data-original-width="892" height="64" src="https://blogger.googleusercontent.com/img/a/AVvXsEhDKZsRgc_uFE8IADel-Jmjxcl2a83AcugKFfth_T3470raNgmmkVYc5hXHf7A1M2Vc5fpt9Nd99dHHNtCF2FQ5v3--NjdE1-ol1yelWjT6LxNwKrM0J_nYL1PNJtRlBRt71uWPeOtl5Z3dLvVYg-kkw6odz3Z2P86fN-LR32oa8uZfZEZcqbOLgkt6=w320-h64" title="Receive your FREE credit report evaluation" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><span><a name='more'></a></span><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><br /></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEivtSYKm9tzhsEIs4OebabwZs375OaUzjdFSvtEfse-wXONJIKEoAgeO7yxZIQdR0FsAx3Aj8Y7JK4o9jK0LoUUtxRaaNnmkHQ2KoNLWeLpqGB0v0WzrIp3qf4fPJ-jfdSLnwGmGyPANCnXXBgcFH2pPuL5XfX_rCjX3mXIr17FusEdkslO3s_FOZ2q=s1200" style="margin-left: auto; margin-right: auto;"><img alt="Real Results" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEivtSYKm9tzhsEIs4OebabwZs375OaUzjdFSvtEfse-wXONJIKEoAgeO7yxZIQdR0FsAx3Aj8Y7JK4o9jK0LoUUtxRaaNnmkHQ2KoNLWeLpqGB0v0WzrIp3qf4fPJ-jfdSLnwGmGyPANCnXXBgcFH2pPuL5XfX_rCjX3mXIr17FusEdkslO3s_FOZ2q=w400-h209" title="Real Results" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"></td></tr></tbody></table><br /><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">You too can improve your creditworthiness.</div><div class="separator" style="clear: both;"><br /></div><span><!--more--></span><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgWVDkY70zIgGl5kabOzQfa7tTLyGmDrIv6hwRMJHdEGv09Lxas-PwfsY7IXWsLIC63HdfrZ1TL1NkOjiWgOVSHE1bRzHCflOAnSGUaPbVTM9_rcLesctwDa5xsahxjOlTsn3klykKHXnnN2IvfBRN48BbbdEqttUZMz9VdCESNSYK5iy8Td3DajZqH=s1200" style="margin-left: 1em; margin-right: 1em;"><img alt="Meet the team!" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEgWVDkY70zIgGl5kabOzQfa7tTLyGmDrIv6hwRMJHdEGv09Lxas-PwfsY7IXWsLIC63HdfrZ1TL1NkOjiWgOVSHE1bRzHCflOAnSGUaPbVTM9_rcLesctwDa5xsahxjOlTsn3klykKHXnnN2IvfBRN48BbbdEqttUZMz9VdCESNSYK5iy8Td3DajZqH=w400-h209" title="Meet the team!" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;">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. </div><div class="separator" style="clear: both; text-align: center;"><br /></div><span><!--more--></span><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj1gbBRsKsr_BT0ZjoNEkCpHnHHhm4_03LEviftNZvHcsgzQTBWsapviiMSi9Sfu3CpN2uiBFuD2kZWJEE0AdVUucPvvd0sEFhSyxvIt1m_oKeYqJ_fvjTWuPnINqCI6JDzXfuxoVxmTm5FSDA4cXgI2Kgo-ouCQKFGZpDJYFabO9j8hVR9Nwc3A2Oy=s600" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEj1gbBRsKsr_BT0ZjoNEkCpHnHHhm4_03LEviftNZvHcsgzQTBWsapviiMSi9Sfu3CpN2uiBFuD2kZWJEE0AdVUucPvvd0sEFhSyxvIt1m_oKeYqJ_fvjTWuPnINqCI6JDzXfuxoVxmTm5FSDA4cXgI2Kgo-ouCQKFGZpDJYFabO9j8hVR9Nwc3A2Oy=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;">Give us a call today to start your credit repair journey!</div><div class="separator" style="clear: both;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div class="separator" style="clear: both;"><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a></div></div><br /><div class="separator" style="clear: both;"><br /></div></div><br /><div class="separator" style="clear: both;"><br /></div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="184" data-original-width="830" height="71" src="https://blogger.googleusercontent.com/img/a/AVvXsEhnmpydqdnnkHXzv55xCZJHVr8-akIqG-YJN_eEondyRY8wJ2x3kJ0l1kSC1lHgaXmYicg6SabRq7bFEyxUZSm1yWWBnANY2dBXBDu6w3JOsTooLSQUSfu7vL2q41H20AUrRSt7R0cZN8oX0l_vcxJtdGTs8QStXE52pWybRzZZd3IM-K8Lcr7ULxLf=s320" width="320" /></a></div><br /><br /><p><br /></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.4360481-36.418198001131749 141.9389519 90 63.188951900000006tag:blogger.com,1999:blog-6210595596237199465.post-2240829320104856802021-10-05T08:49:00.005-07:002021-10-05T09:00:15.538-07:00October 2021 Newsletter: Bad Credit is Scary!<p> </p><p>A message from Robert Linkonis Sr., Executive Director</p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgYB9r8I8Gl-akxvwpWTBC0D4VkhpucHeAZLkm2I5cEQM7X96lcKzamHL2rBMrUaFAxhqldqBO07NjPB17fw1nozs1dhlpSdZ3vFUh9GwxMa9ybZ8VhCBSmRsHW_lK46dzqiKCMgpCXk8h_I-De3bErQVJzhWRlRITCW_YHyBDDzmu0vYMcMzETsSQq=s1200" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEgYB9r8I8Gl-akxvwpWTBC0D4VkhpucHeAZLkm2I5cEQM7X96lcKzamHL2rBMrUaFAxhqldqBO07NjPB17fw1nozs1dhlpSdZ3vFUh9GwxMa9ybZ8VhCBSmRsHW_lK46dzqiKCMgpCXk8h_I-De3bErQVJzhWRlRITCW_YHyBDDzmu0vYMcMzETsSQq=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><p></p><p style="text-align: left;">You know what's scary? Nearly 2 in 3 adults (64%) say that money is a significant source of stress in their life [<a href="https://www.apa.org/news/press/releases/stress/2020/report-october" rel="nofollow" target="_blank">source</a>]. Credit-worthiness has a huge affect on our mental health and it can be daunting to navigate the world of credit restoration without support.</p><p style="text-align: left;">Possibly scarier, until recently there was no scientific evidence to support what many individuals feel on a daily basis due to poor credit: anxiety, depression, hopelessness, and suicidal thoughts. We now have proof that debt is a financial stressor associated with these psychological and physiological behaviors [<a href="https://creditrestorationinstitute.com/credit-worthiness-1" rel="nofollow" target="_blank">Dr. C.K. Hughes (2021) The Impact of Credit Worthiness</a>].</p><p style="text-align: left;">With us, you’ll have access to trained credit experts who can answer your questions and help you make sense of the complexities of credit.</p><p style="text-align: left;">Get in touch and receive a FREE credit evaluation today!</p><div><br /></div><p></p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhqzzDagokFXbTs3lHP1zv8kcW8JaOYp2tYmZWlB2J35E61JDa97xWCqvuhz7zv9AfJcb41LRwvy-BLJ2cYbCvwLGTfdvxf-LJcBJxDJDK-1QQaP1uVYeUxVhHqeLCB-5YPHQzmljI_p3Vs2ORtUiCUtupIGwgv6_pi9naRafgHR47MkgkSwWIe9ANd=s1200" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEhqzzDagokFXbTs3lHP1zv8kcW8JaOYp2tYmZWlB2J35E61JDa97xWCqvuhz7zv9AfJcb41LRwvy-BLJ2cYbCvwLGTfdvxf-LJcBJxDJDK-1QQaP1uVYeUxVhHqeLCB-5YPHQzmljI_p3Vs2ORtUiCUtupIGwgv6_pi9naRafgHR47MkgkSwWIe9ANd=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><p></p><div class="separator" style="clear: both; text-align: left;"><b>Breaking the cycle of bad credit is a difficult and long process.</b></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">You can work to pay down your credit balances and ask about an increase to your credit limit (not to charge more, but to lower your credit utilization ratio!) but these things can take a long time to make a difference.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Checking your credit report for errors and disputing accounts with incorrect or unverifiable items is how we can help you! But we won’t stop there. We will work with you to create a personalized action plan to tackle your bad credit. We follow along with you every step of the way to see the completion of the plan. <i>We know how bad credit scores can affect every aspect of your life and we want to see you reach your financial goals!</i></div><div class="separator" style="clear: both; text-align: left;"><i><br /></i></div></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjBAFH-ejpoApQly6UB02EYFUpRNe-uugaYCyUbEOKSczzILFD86o22_--aTBKDL2Eq7nO8BaK707I72n_FpCflJChypAkaPxU4DHBXg6Y1Wcy9yoNgbmvsXUThUiH_QrFAK2H__HxRwdO4vVYShRCaGqUiF8YEfWRdSE_6Ml8DAkF7BIn5_Ur4GJLn=s1200" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEjBAFH-ejpoApQly6UB02EYFUpRNe-uugaYCyUbEOKSczzILFD86o22_--aTBKDL2Eq7nO8BaK707I72n_FpCflJChypAkaPxU4DHBXg6Y1Wcy9yoNgbmvsXUThUiH_QrFAK2H__HxRwdO4vVYShRCaGqUiF8YEfWRdSE_6Ml8DAkF7BIn5_Ur4GJLn=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;">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.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">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.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">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.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiCZn2gbvdhWEG-3QHAuQd_gK1MIGSHGGVmhF89RIohytFVUUJJmyXH8ABrxRtHbKZmQn22MgoXZeywwmoK3nJmS1uaurNlK5r45LL4lKK0Zt3muJIPTjQUMfUUF2rWMkNK_LX1anlSG7qvvSajZhBepjiCbc1LEYD9JkvG-sNVqpza0mYDoAPLf7Uu=s600" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEiCZn2gbvdhWEG-3QHAuQd_gK1MIGSHGGVmhF89RIohytFVUUJJmyXH8ABrxRtHbKZmQn22MgoXZeywwmoK3nJmS1uaurNlK5r45LL4lKK0Zt3muJIPTjQUMfUUF2rWMkNK_LX1anlSG7qvvSajZhBepjiCbc1LEYD9JkvG-sNVqpza0mYDoAPLf7Uu=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Give us a call today to start your credit repair journey!</div><div class="separator" style="clear: both; text-align: left;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div class="separator" style="clear: both; text-align: left;"><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a></div></div><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://creditrestorationinstitute.com/contact-us" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="178" data-original-width="892" height="64" src="https://blogger.googleusercontent.com/img/a/AVvXsEgr1kjibb_fL9Ve0ArObELbGu1-lokftAQSrr-2PU6VJVHRsWGN7q4_oSXvGDKzpqsF23Duw7y9yoYSgk1PhnHmV-Ee6x_9nqDNUsTACGDNUX13MEFP2cgcnDbS8Dz0gwMPKIVssmRISR0UqIPAMtGU48Ueo9J5OWX-BhkFKhTm_0ZDy-T4QOY2-Vjg=s320" width="320" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEitpwdZMHNkpLFrk7fGu13ZkxzncwnnHGkQHa-mqXg-JWEW55RiQAAmGgcvJiU8m16Q1NntWYkauwAxHs42yFDgrueymWkT_BEbP1iGTOoV2ET0BXXr2li9m2dZu1xafzVqhJJ4_d6SabVY44Gt0Fek7KuVHM5NGX6m3JE63HbzPdKSuTJ9BTHLK23f=s1200" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/a/AVvXsEitpwdZMHNkpLFrk7fGu13ZkxzncwnnHGkQHa-mqXg-JWEW55RiQAAmGgcvJiU8m16Q1NntWYkauwAxHs42yFDgrueymWkT_BEbP1iGTOoV2ET0BXXr2li9m2dZu1xafzVqhJJ4_d6SabVY44Gt0Fek7KuVHM5NGX6m3JE63HbzPdKSuTJ9BTHLK23f=w400-h209" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div style="text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div></div><br /><p style="text-align: left;"><br /></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-29896258108860218772021-09-02T17:20:00.032-07:002021-10-05T09:00:03.843-07:00September Newsletter 2021<p style="text-align: left;"><span style="font-family: arial; font-size: medium;"> </span></p><p style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCNGHoFlmvKqM1mKDXn-WoziO2nupvD-XwcINPiYE43HmiLZdcUcOxjyRPTl71_jO8IRAAbTW2hW3YUOU0XplfdY7UpTLrUo4PCM4EM6qXuWdieQgJEk24Ngb30OtCFeRiiSRlkQJOiDw/s600/Credit+Institute+Newsletter+%25289%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black; font-family: arial; font-size: medium;"><img border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCNGHoFlmvKqM1mKDXn-WoziO2nupvD-XwcINPiYE43HmiLZdcUcOxjyRPTl71_jO8IRAAbTW2hW3YUOU0XplfdY7UpTLrUo4PCM4EM6qXuWdieQgJEk24Ngb30OtCFeRiiSRlkQJOiDw/w400-h209/Credit+Institute+Newsletter+%25289%2529.png" width="400" /></span></a></p><p style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;">Debt is considered a financial stressor, and is associated with a multitude of psychological, physiological, and general health concerns such as anxiety, depression, hopelessness, and even suicidal behaviors. <a href="https://creditrestorationinstitute.com/credit-worthiness-1" target="_blank"><i>Dr. C. K. Hughes (2021). The Impact of Creditworthiness on Financial Well-Being, Anxiety, Depression, Hopelessness, and Suicide. [Journal of Accounting and Finance Vol. 21] Omega Graduate School.</i></a></span></p><p></p><p style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;">Whether it is for a home loan or car financing, we know the frustrations you go through when trying to get inaccurate information removed from your credit reports. We know that these inaccuracies end up as a roadblock to getting credit needs addressed properly.</span></p><p style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;">With us, you’ll have access to trained credit experts who can answer your questions and help you make sense of the complexities of credit.</span></p><p style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;">Get in touch and receive a FREE credit evaluation today!</span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/credit-worthiness-1" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><span style="color: black; font-family: arial; font-size: medium;"><img border="0" data-original-height="144" data-original-width="1280" height="45" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi80awO5_Lj4hc8X8jXNwifJW6mjwBJVo9HqdlYduSF-qBYl10G6WDxxR9J9bK5ICOAgZ5xiU_BzE_HjWXF0qzUxH63rH9dDYDVgkITy6sQLiBwtNUfjXQeCn-qonHSm-No1ciDHx4qQws/w400-h45/Screen+Shot+2021-09-02+at+18.44.21.png" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitRgx2Dha6T2uz-nFaRP8BgyW3Ri2i9fEsKvFO6PWdxHmkM92Zdz2b3eHx6iXe63KNhOTvDvxQXk3ZE9oCISpcBEG_a_PaiBhH052oTrzs8f_4j3FcAzREx1Ols5LtOGJ-0LEcigWO1y4/s512/realresults-sept2021.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black; font-family: arial; font-size: medium;"><img border="0" data-original-height="268" data-original-width="512" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitRgx2Dha6T2uz-nFaRP8BgyW3Ri2i9fEsKvFO6PWdxHmkM92Zdz2b3eHx6iXe63KNhOTvDvxQXk3ZE9oCISpcBEG_a_PaiBhH052oTrzs8f_4j3FcAzREx1Ols5LtOGJ-0LEcigWO1y4/w400-h210/realresults-sept2021.png" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;"><b>Wow! These are real results!</b> Our custom credit disputes leverage the consumer protection laws and the credit bureaus’ automated codes to help remove or correct any unverifiable items.</span></div><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;">As a client, we dispute accounts with the bureaus and creditors on your behalf. Using our years of experience, we utilize the tools you need to move your case forward and the results you are looking for.</span></div><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;">Here at Credit Restoration Institute, we will work with you to create a personalized action plan to tackle your bad credit. We follow along with you every step of the way to see the completion of the plan. <i>We know how bad credit scores can affect every aspect of your life and we want to see you reach your financial goals!</i></span></div><div class="separator" style="clear: both;"><span style="font-family: arial; font-size: medium;"><br /></span></div><h1 style="clear: both;"><span style="font-family: arial; font-size: x-large;">Mark Your Calendar!</span></h1><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhY1RPKp9tNDDStMQM9pFERa3-gjEW7oO_i63oplVbRwVtlx2lUpGV1CfMqpM4UnOez7uWQSN7pWFoRL24qwUFmuZcEwkX6D5zi87IpjD4d313qD0Pg0-9xf8x-nekOfkF3JqTEG3Qin4I/s1200/CRI+SCORE-Workshop.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black; font-family: arial; font-size: medium;"><img border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhY1RPKp9tNDDStMQM9pFERa3-gjEW7oO_i63oplVbRwVtlx2lUpGV1CfMqpM4UnOez7uWQSN7pWFoRL24qwUFmuZcEwkX6D5zi87IpjD4d313qD0Pg0-9xf8x-nekOfkF3JqTEG3Qin4I/w400-h209/CRI+SCORE-Workshop.png" width="400" /></span></a></div><div><span style="font-family: arial; font-size: medium;"><br /></span></div></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;">Get advice on how to establish or repair your business credit as well as funding advice from a credit repair expert!</span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;">REGISTRATION FEE: $30</span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;">Attendance includes access to a recording of the webinar, as well as copies of all slides and handouts.</span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;">Webinar attendees will receive an email with secure log-in instructions prior to the session. You'll be able to submit questions for the speaker during the presentation, and all attendees will receive the full presentation afterward.</span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;"><br /></span></div><div style="text-align: center;"><span style="font-family: arial; font-size: medium;"><div class="separator" style="clear: both; text-align: center;"><a href="https://www.score.org/event/how-establish-or-repair-your-business-credit" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Register Today" border="0" data-original-height="160" data-original-width="912" height="56" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEine8bppD4zHcDOsy_tmFqvWppbgpLX1ZBn7LsGShfTkcHyob714w44rIy5grwvTvq0wyjdG5K16oPgJkgKdHZF2jLYQk2KR7s3eZYUdSHDQbVdTEOhO2alngu2SkwAoxF-zmZAKUKHmxo/w320-h56/Screen+Shot+2021-09-02+at+18.18.40.png" title="Register Today" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfU1GbJ0Llw94VBSsf0WkQbqWteCiaW58Vu-1JzNSIb9IFMiG3SjoAUSCVkAQRNRrUA1KwUa2SP8OvMm8SJzd42MncZ3Zn42luC8D_v-s4qLHwcTEWXkk4eTnIfiGzlTBOAlmfWCJ8Tpc/s600/15.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfU1GbJ0Llw94VBSsf0WkQbqWteCiaW58Vu-1JzNSIb9IFMiG3SjoAUSCVkAQRNRrUA1KwUa2SP8OvMm8SJzd42MncZ3Zn42luC8D_v-s4qLHwcTEWXkk4eTnIfiGzlTBOAlmfWCJ8Tpc/w400-h209/15.jpg" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;">Give us a call today to start your credit repair journey!</div><div class="separator" style="clear: both;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div class="separator" style="clear: both;"><a href="mailto:mail@creditrestorationinstitute.com">mail@creditrestorationinstitute.com</a></div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="130" data-original-width="822" height="64" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimEsaYf7w_mdG7EHTr_oJjPxow51QuqnbuvmSYzWfNgQP7AWxYylhdm6AY_ixPJ412rZ3lmkNOUAnp8xHBopKSzjx_h2e4iLeLTirvYwppLFGSQPyWZDzJjGla18BG3Wcp1bQBoaDIhus/w400-h64/Screen+Shot+2021-08-09+at+18.38.02.png" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both;"><br /></div></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /> </span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;"><br /></span></div><span style="font-family: arial; font-size: medium;"><br /></span><p style="clear: both; text-align: center;"><span style="font-family: arial; font-size: medium;"><br /></span></p><p style="text-align: left;"><br /></p>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.43604819.2304907638211517 -112.5922981 65.850958436178843 -42.279798099999994tag:blogger.com,1999:blog-6210595596237199465.post-42790500394807665662021-08-09T17:39:00.007-07:002021-10-05T08:59:22.287-07:00August 2021 Newsletter<p></p><br /><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background-color: #e8e9eb; border-collapse: collapse; border-spacing: 0px; color: black; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td bgcolor="#ffffff" class="m_4466269809979010582container" style="background-color: white; box-sizing: border-box; margin: 0px;"><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; color: black; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box; text-align: center;">A message from Robert Linkonis Sr., Executive Director</div></div></td></tr></tbody></table><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; color: black; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;" width="100%"><h1 style="box-sizing: border-box; font-size: 26px; line-height: 34px; margin-bottom: 0px; margin-top: 0px; text-align: center;">Congratulations Dr. Cathie Hughes!</h1></td></tr></tbody></table></td></tr><tr bgcolor="#ffffff" style="background-color: white; box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px;"><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; margin: 0px; padding: 0px;"><div class="separator" style="clear: both; text-align: center;"><br /></div><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;" width="100%"><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgS-xDTn_4o8lsOrq72mo56HwM2Y1DRHdfsq00RAxYSBguilm4I-B_s1R7zlPIMASOrv-mMbMNVFKwctqDiPN-A3D8lqrXi8NP6QWRkvDRXTMuQ4z-vHSozfbj0_Hp85QpnSEHFXe2C5vs/s600/CIR+did+you+know+August.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Worthiness" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgS-xDTn_4o8lsOrq72mo56HwM2Y1DRHdfsq00RAxYSBguilm4I-B_s1R7zlPIMASOrv-mMbMNVFKwctqDiPN-A3D8lqrXi8NP6QWRkvDRXTMuQ4z-vHSozfbj0_Hp85QpnSEHFXe2C5vs/w400-h209/CIR+did+you+know+August.png" width="400" /></a></div><br /><div><br /></div><div><div style="box-sizing: border-box; color: #313638; font-size: 16px; text-align: center;">Credit-worthiness has a huge affect on our mental health. For many, having access to basic human needs relies heavily on your credit score. If you have good credit, it may not be something you think about, but those with no credit or credit scores that are less than stellar face higher levels of anxiety, depression, and hopelessness. Until recently, there was no scientific evidence to support what many individuals feel on a daily basis.<br style="box-sizing: border-box;" /></div><div style="box-sizing: border-box; color: #313638; font-size: 16px; text-align: center;"><br style="box-sizing: border-box;" /></div><div style="box-sizing: border-box; color: #313638; font-size: 16px; text-align: center;">Congratulations to Dr. Cathie Hughes, whose paper, <em style="box-sizing: border-box;">The Impact of Creditworthiness on Financial Well-Being, Anxiety, Depression, Hopelessness, and Suicide </em>was published this past July in the Journal of Accounting and Finance.</div></div><div style="box-sizing: border-box; color: #313638; font-size: 16px; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/credit-worthiness-1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Click here to read the paper" border="0" data-original-height="140" data-original-width="750" height="60" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrA5M515A-coYEkvawUHovnFr2Q-XUuK1R5RepUcvOfVbFs_p2U_2WZ9lorKl6fDan_OlpQ2p_RS_vyn5KA_4ILIKG5HfhKtZvLGjJNd52nuvZ4ARADOb-qxKpwbDkuh2d_OhOmqGdTm4/w320-h60/Screen+Shot+2021-08-09+at+18.34.19.png" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-size: 16px;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-size: 16px;">Here at Credit Restoration Institute, we will work with you to create a personalized action plan to tackle your bad credit. We follow along with you every step of the way to see the completion of the plan. </span><em style="box-sizing: border-box; font-size: 16px;">We know how bad credit scores can affect every aspect of your life and we want to see you reach your financial goals!!</em></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9GA1Mo6JKXikKBIORe0IGXazfbYjCwJqc6D-46MiEBY-TcdgzYsPpx3RErA44j4rjUMQEwBgf5hQStrTky_FrzZHBp5YrbYhhDL6pwdS6TwLGxIpNDFZwCfHI6bfqzD4lqjmP8lLh4Qs/s600/CIR+Services+August.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Our Services" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9GA1Mo6JKXikKBIORe0IGXazfbYjCwJqc6D-46MiEBY-TcdgzYsPpx3RErA44j4rjUMQEwBgf5hQStrTky_FrzZHBp5YrbYhhDL6pwdS6TwLGxIpNDFZwCfHI6bfqzD4lqjmP8lLh4Qs/w400-h209/CIR+Services+August.png" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><table align="center" bgcolor="#FFFFFF" border="0" cellpadding="0" cellspacing="0" class="m_4466269809979010582container" role="presentation" style="border-collapse: collapse; border-spacing: 0px; color: black; font-size: 16px; margin: 0px auto; padding-bottom: 5px; padding-top: 5px; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582stack" style="box-sizing: border-box; margin: 0px;" valign="top" width="50%"><table align="left" border="0" cellpadding="0" cellspacing="0" class="m_4466269809979010582container" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td align="center" class="m_4466269809979010582container" style="border-collapse: collapse; border-spacing: 0px; box-sizing: border-box; margin: 0px; padding: 0px 15px 15px;" valign="top" width="100%"><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><div style="box-sizing: border-box; line-height: 24px;"><ul style="box-sizing: border-box;"><li style="box-sizing: border-box; margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1628355536384000&usg=AFQjCNGyATewqJ6PVlBAhJdRbOFcelA4qw" href="https://creditrestorationinstitute.com/services" style="box-sizing: border-box; color: #007ead;" target="_blank">Credit Education</a><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1628355536384000&usg=AFQjCNGyATewqJ6PVlBAhJdRbOFcelA4qw" href="https://creditrestorationinstitute.com/services" style="box-sizing: border-box; color: #007ead;" target="_blank"></a></li><li style="box-sizing: border-box; margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1628355536384000&usg=AFQjCNGyATewqJ6PVlBAhJdRbOFcelA4qw" href="https://creditrestorationinstitute.com/services" style="box-sizing: border-box; color: #007ead;" target="_blank">Credit Consulting</a></li></ul></div></td></tr></tbody></table></td></tr></tbody></table></td><td class="m_4466269809979010582stack" style="box-sizing: border-box; margin: 0px;" valign="top" width="50%"><table align="left" border="0" cellpadding="0" cellspacing="0" class="m_4466269809979010582container" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td align="center" class="m_4466269809979010582container" style="border-collapse: collapse; border-spacing: 0px; box-sizing: border-box; margin: 0px; padding: 0px 15px 15px;" valign="top" width="100%"><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><div style="box-sizing: border-box; line-height: 24px;"><ul style="box-sizing: border-box;"><li style="box-sizing: border-box; margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1628355536384000&usg=AFQjCNGyATewqJ6PVlBAhJdRbOFcelA4qw" href="https://creditrestorationinstitute.com/services" style="box-sizing: border-box; color: #007ead;" target="_blank">Credit Report Audit</a></li><li style="box-sizing: border-box; margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1628355536384000&usg=AFQjCNGyATewqJ6PVlBAhJdRbOFcelA4qw" href="https://creditrestorationinstitute.com/services" style="box-sizing: border-box; color: #007ead;" target="_blank">Credit Disputes</a></li></ul><div><br /></div></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjk9vlHbMkRBSxxGZspn8qdSbOktKEE0y5hvwxXdCHGgm8fy0PRRQGVsekgihLMIn4ptMKsFs7kkk3ieAad3x_fvnrBevoQgy6LB4Q0irHrX8CFKYWnH8bIhZ385lLg6elsNVcTMofuOM0/s600/CRI+meet+the+team+August.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Meet the Credit Restoration team" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjk9vlHbMkRBSxxGZspn8qdSbOktKEE0y5hvwxXdCHGgm8fy0PRRQGVsekgihLMIn4ptMKsFs7kkk3ieAad3x_fvnrBevoQgy6LB4Q0irHrX8CFKYWnH8bIhZ385lLg6elsNVcTMofuOM0/w400-h209/CRI+meet+the+team+August.png" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqhxxRfbFqx7XL00iqqPv1lIuirGLT8uCLl9Lg7r1Xj8ImVXruboYLOyhCmu3BDOvgyw0SLl_GZzKi9slU69-FImz_enY7uhNIoLUEzZ4tq-xiuw6eW-9cdTwHrLrnH0ZSRezwA0rJ0VE/s326/Cathie+Hughes+Ph.D.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Cathie Hughes, Ph.D." border="0" data-original-height="314" data-original-width="326" height="308" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqhxxRfbFqx7XL00iqqPv1lIuirGLT8uCLl9Lg7r1Xj8ImVXruboYLOyhCmu3BDOvgyw0SLl_GZzKi9slU69-FImz_enY7uhNIoLUEzZ4tq-xiuw6eW-9cdTwHrLrnH0ZSRezwA0rJ0VE/w320-h308/Cathie+Hughes+Ph.D.png" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; color: black; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box; text-align: center;"><strong style="box-sizing: border-box;">Cathie Hughes, Ph.D.</strong><br style="box-sizing: border-box;" /></div><div style="box-sizing: border-box; text-align: center;">Director</div><div style="box-sizing: border-box; text-align: center;">Credit Restoration Institute</div></div></td></tr></tbody></table><table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse: collapse; border-spacing: 0px; color: black; font-size: 16px; margin: 0px auto; table-layout: fixed; width: 100%px;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td class="m_4466269809979010582container" style="box-sizing: border-box; margin: 0px; padding-bottom: 15px; padding-top: 15px;"><div style="box-sizing: border-box; line-height: 24px;">Dr. Cathie Hughes is the Director of The Credit Restoration Institute. Dr. Hughes also 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.<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />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. </div><div style="box-sizing: border-box; line-height: 24px;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfU1GbJ0Llw94VBSsf0WkQbqWteCiaW58Vu-1JzNSIb9IFMiG3SjoAUSCVkAQRNRrUA1KwUa2SP8OvMm8SJzd42MncZ3Zn42luC8D_v-s4qLHwcTEWXkk4eTnIfiGzlTBOAlmfWCJ8Tpc/s600/15.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfU1GbJ0Llw94VBSsf0WkQbqWteCiaW58Vu-1JzNSIb9IFMiG3SjoAUSCVkAQRNRrUA1KwUa2SP8OvMm8SJzd42MncZ3Zn42luC8D_v-s4qLHwcTEWXkk4eTnIfiGzlTBOAlmfWCJ8Tpc/w400-h209/15.jpg" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div style="box-sizing: border-box;">Give us a call today to start your credit repair journey!</div><div style="box-sizing: border-box;">Mon-Fri 9 a.m. - 5 p.m.(804) 823-9601 | (800) 648-5157</div><div style="box-sizing: border-box;"><a href="mailto:mail@creditrestorationinstitute.com" style="box-sizing: border-box; color: #1155cc; font-family: Helvetica;" target="_blank">mail@<wbr style="box-sizing: border-box;"></wbr>creditrestorationinstitute.com</a></div><div style="box-sizing: border-box;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Fill out this easy form on our website" border="0" data-original-height="130" data-original-width="822" height="51" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-1BVaZPRmn-U4hpEilbcmqXB7Ji0vPfbynWJSjX5h1qhWw36vYm-mfQzotAziMTi7MHZENZCJUxsgnTxpfmEcTOaYzY9l7aHc-WYBZ9CAvVlpCtMRp5qdq6aq26KmU2GjpLaM3X08K68/w320-h51/Screen+Shot+2021-08-09+at+18.38.02.png" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div style="box-sizing: border-box;"><br /></div></div><br /><div style="box-sizing: border-box; line-height: 24px;"><br /></div></td></tr></tbody></table><div style="box-sizing: border-box; color: #313638; font-size: 16px; text-align: center;"><br /></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><p><br /></p><div class="separator" style="clear: both; text-align: center;"></div>Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Virginia, USA37.4315734 -78.65689429.1213395638211523 -113.8131442 65.741807236178843 -43.500644199999996tag:blogger.com,1999:blog-6210595596237199465.post-15001382369447136272021-06-30T20:26:00.040-07:002021-10-05T08:59:42.396-07:00 A message from Robert Linkonis Sr., Executive Director<h2 style="text-align: center;"><br /></h2><h2 style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0f0qUzEfxRaz1IPce9QAXwgA-ih_Z2hIjjHrYRoPMd4SWqT_MI08vNEwbgaDIrSS2n1ywW99B3kxngOLPINRkbkfNNXKognG0OwAFGGTXszZLu3WMyq75vi69U3wAuGvL4lAL6dbY8hQ/s1200/Credit+Institute+Blogger+Cover.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="The Credit Restoration Institute" border="0" data-original-height="628" data-original-width="1200" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0f0qUzEfxRaz1IPce9QAXwgA-ih_Z2hIjjHrYRoPMd4SWqT_MI08vNEwbgaDIrSS2n1ywW99B3kxngOLPINRkbkfNNXKognG0OwAFGGTXszZLu3WMyq75vi69U3wAuGvL4lAL6dbY8hQ/w400-h210/Credit+Institute+Blogger+Cover.jpg" title="The Credit Restoration Institute" width="400" /></a></h2><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="178" data-original-width="892" height="64" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMG4eqPkKJBLobMGmvRPhTlIaSzazvycxZBfAnFa3zzQ9u-jsr43bNymOgUk2Czgr-hPY6IHjNftwmoh-aF1wNeu3VMs8XlZ-DHE-LDh3yNwC8W7A-AE7vpHNtdT_uaVvDK7aHsWNJLcI/w320-h64/Screen+Shot+2021-06-30+at+21.11.26.png" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrUG4pXRaWUNvPBcYzk6-MwBOwe_J31YUF45ncaBwrtinV8PIopyaHGszKQGrofkbZwrtQd94qA7r-zyZEOE2S2Cvvcd5jiB3z3hHCyF1rgeeGuZPgzbg9o9ddXy_gmXbzTaBJJmNblaU/s1200/Credit+Institute+Newsletter+%25287%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Happy 4th of July from The Credit Restoration Institute Team" border="0" data-original-height="628" data-original-width="1200" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrUG4pXRaWUNvPBcYzk6-MwBOwe_J31YUF45ncaBwrtinV8PIopyaHGszKQGrofkbZwrtQd94qA7r-zyZEOE2S2Cvvcd5jiB3z3hHCyF1rgeeGuZPgzbg9o9ddXy_gmXbzTaBJJmNblaU/w400-h209/Credit+Institute+Newsletter+%25287%2529.jpg" title="Happy 4th of July from The Credit Restoration Institute Team" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwPmiV6XcIE1Ous-UhNCNWkMOqgskIrJQ_1HXCfbzFuPqXiOIHasnLmTlkKVHjz19tPMlKuDS4bIe2j9XntmkNfZk9sRn13glhE75AoNZFOx7KmkUxxttbagcvm4G2hOlvRDzCnILaauc/s600/CRI+Did+you+know.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Recommendations from The Credit Restoration Institute" border="0" data-original-height="314" data-original-width="600" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwPmiV6XcIE1Ous-UhNCNWkMOqgskIrJQ_1HXCfbzFuPqXiOIHasnLmTlkKVHjz19tPMlKuDS4bIe2j9XntmkNfZk9sRn13glhE75AoNZFOx7KmkUxxttbagcvm4G2hOlvRDzCnILaauc/w400-h210/CRI+Did+you+know.jpg" title="Recommendations from The Credit Restoration Institute" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><span style="background-color: white; color: #1a3570; font-family: Helvetica; font-size: 22px;"><b>What is Credit Repair?</b></span></div><div class="separator" style="clear: both; text-align: center;"><p style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px; line-height: 24px; margin: 10px 0px; padding: 0px;">You may find yourself asking, so what exactly is credit repair? Credit Repair is disputing accounts and entries on your credit report that are inaccurate and unverifiable. We dispute these errors directly at the source with the credit bureaus and creditors.<br /><br /><strong>Nearly 2 in 3 adults (64%) say that money is a significant source of stress in their life.</strong> [<a data-saferedirecturl="https://www.google.com/url?q=https://www.apa.org/news/press/releases/stress/2020/report-october&source=gmail&ust=1625195254398000&usg=AFQjCNHQsj_KAZOICoGWIrzn24l2cm7p6Q" href="https://www.apa.org/news/press/releases/stress/2020/report-october" style="color: #007ead;" target="_blank">source</a>]<br /><br />Here at Credit Restoration Institute, we will work with you to create a personalized action plan and follow along with you to see the completion of the plan. We want to see you reach your financial goals!</p></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhetNDCvQdU0cE4nX1yERE514iERsbnhyphenhyphenTYHIN3DSTDqdHWBTPx3OUlZeMroz3np62w-hxJXP-TYe4mg-5Zc2iVoS6Fp89APIhzzyKSFZLhzxxDhfZ9aT3aRzTzyIL_KH072T1mHtdrAWA/s600/CRI+our+services.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Our Services: Credit Restoration Institute" border="0" data-original-height="314" data-original-width="600" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhetNDCvQdU0cE4nX1yERE514iERsbnhyphenhyphenTYHIN3DSTDqdHWBTPx3OUlZeMroz3np62w-hxJXP-TYe4mg-5Zc2iVoS6Fp89APIhzzyKSFZLhzxxDhfZ9aT3aRzTzyIL_KH072T1mHtdrAWA/w400-h210/CRI+our+services.jpg" title="Our Services: Credit Restoration Institute" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><table align="left" border="0" cellpadding="0" cellspacing="0" class="m_1012571962822301582mcnTextContentContainer" style="background-color: white; border-collapse: collapse; color: black; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: small; max-width: 300px; width: 100%px;"><tbody><tr><td class="m_1012571962822301582mcnTextContent" style="color: #757575; font-family: Helvetica; font-size: 16px; line-height: 24px; margin: 0px; padding: 0px 18px 9px; word-break: break-word;" valign="top"><ul><li style="margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1625195254398000&usg=AFQjCNF0Dpj2lxb6c4-4chN90GlFiWuvgA" href="https://creditrestorationinstitute.com/services" style="color: #007ead;" target="_blank"><strong>Credit Report Audit</strong></a></li><li style="margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1625195254398000&usg=AFQjCNF0Dpj2lxb6c4-4chN90GlFiWuvgA" href="https://creditrestorationinstitute.com/services" style="color: #007ead;" target="_blank"><strong>Credit Disputes</strong></a></li></ul></td></tr></tbody></table><table align="left" border="0" cellpadding="0" cellspacing="0" class="m_1012571962822301582mcnTextContentContainer" style="background-color: white; border-collapse: collapse; color: black; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: small; max-width: 300px; width: 100%px;"><tbody><tr><td class="m_1012571962822301582mcnTextContent" style="color: #757575; font-family: Helvetica; font-size: 16px; line-height: 24px; margin: 0px; padding: 0px 18px 9px; word-break: break-word;" valign="top"><ul><li style="margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1625195254398000&usg=AFQjCNF0Dpj2lxb6c4-4chN90GlFiWuvgA" href="https://creditrestorationinstitute.com/services" style="color: #007ead;" target="_blank"><strong>Credit Education</strong></a></li><li style="margin-left: 15px;"><a data-saferedirecturl="https://www.google.com/url?q=https://creditrestorationinstitute.com/services&source=gmail&ust=1625195254398000&usg=AFQjCNF0Dpj2lxb6c4-4chN90GlFiWuvgA" href="https://creditrestorationinstitute.com/services" style="color: #007ead;" target="_blank"><strong>Credit Consulting</strong></a></li></ul><div><br /></div></td></tr></tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVg-48kbjJydyRAt-_vL7ntAzdaMYPNtay-i57FMJxKi2VqLzr2oQr1rqPJk9PSuBtwv_51EpMQW9zQ9A1WmBN3Vn3i_39PLGfsJhqGsQ0baWedBGtfPFSH7HzRdRrQwhX2AMxT9WsH5U/s600/CRI+Meet+the+team.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Meet The Credit Restoration Institute Team" border="0" data-original-height="314" data-original-width="600" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVg-48kbjJydyRAt-_vL7ntAzdaMYPNtay-i57FMJxKi2VqLzr2oQr1rqPJk9PSuBtwv_51EpMQW9zQ9A1WmBN3Vn3i_39PLGfsJhqGsQ0baWedBGtfPFSH7HzRdRrQwhX2AMxT9WsH5U/w400-h210/CRI+Meet+the+team.jpg" title="Meet The Credit Restoration Institute Team" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><div style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px; text-align: left;"><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRocHh_-sxHLeajSc5E5HJWlibkRPWZzTk5Jw_-GZ7y_NU4RBZmdF4L0dhXpukMOhEdh6JMq4y9vpkUMa7XyD-u-3LsY6RQ-bphFexq2gGRnLDg78c6xPFz2ED5uTUkiXhI329QoVMrkk/s854/Screen+Shot+2021-06-30+at+21.19.22.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="854" data-original-width="588" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRocHh_-sxHLeajSc5E5HJWlibkRPWZzTk5Jw_-GZ7y_NU4RBZmdF4L0dhXpukMOhEdh6JMq4y9vpkUMa7XyD-u-3LsY6RQ-bphFexq2gGRnLDg78c6xPFz2ED5uTUkiXhI329QoVMrkk/s320/Screen+Shot+2021-06-30+at+21.19.22.png" /></a></div><br />Executive Director Robert Linkonis, Sr. has spent the last 30 years fixing errors and inaccurate information on credit reports and cannot see himself doing anything differently.</div><div style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px; text-align: left;"><br />Seeing people’s lives change for the better is what keeps Robert going. “Good credit reduces depression and hopeless feelings. Good credit increases one’s financial well-being and empowers individuals and families.”<br /><br />Robert loves to travel and spend time with his beautiful wife Nancy. He is blessed with three amazing children and a gorgeous three year old granddaughter.</div><br /><div style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px; text-align: left;"><br /></div></div><br /><p></p><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjclb-FgeaIUCi2qMOK81ioxngYvPpEYqf477MWLsgi7-3mOEx6VjkyLBkFS6IxArPyvSYfTm4kSGyY-3NktWaheJbpKlSXOerkpTK2cAwil_GXXa_uVew7DrjybPn9ejJ6njJiFh9Hu5s/s600/15.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Give us a call today to start your credit repair journey!" border="0" data-original-height="314" data-original-width="600" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjclb-FgeaIUCi2qMOK81ioxngYvPpEYqf477MWLsgi7-3mOEx6VjkyLBkFS6IxArPyvSYfTm4kSGyY-3NktWaheJbpKlSXOerkpTK2cAwil_GXXa_uVew7DrjybPn9ejJ6njJiFh9Hu5s/w400-h209/15.jpg" title="Give us a call today to start your credit repair journey!" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://creditrestorationinstitute.com/contact-us" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="184" data-original-width="830" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNJ_IaYO5I9S4gOwncZcld4oIvmmeT05pD2GYcaG9g89pMRUDnwx7Cerjl0h69TWvJ4W0Sh3blvGroJs7bpUVCcYi4iQP2SfDHpkD4LqL6h1CjOPpDXNZlhoRhieslPwD_VydLNmc3Z6E/s320/Screen+Shot+2021-06-30+at+21.20.13.png" width="320" /></a></div></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><span style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px;">Give us a call today to start your credit repair journey!</span><br style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px;" /><span style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px;">Mon-Fri 9 a.m. - 5 p.m.</span><br style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px;" /><span style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px;">(804) 823-9601 | (800) 648-5157</span><br style="background-color: white; color: #757575; font-family: Helvetica; font-size: 16px;" /><a href="mailto:mail@creditrestorationinstitute.com" style="background-color: white; color: #1155cc; font-family: Helvetica; font-size: 16px;" target="_blank">mail@<wbr></wbr>creditrestorationinstitute.com</a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div> Carla Mendezhttp://www.blogger.com/profile/12395215897341295790noreply@blogger.com0Richmond, VA, USA37.5407246 -77.4360481-14.011928442173712 -147.7485481 89.0933776421737 -7.1235480999999936