About Us

Meet the Credit Restoration Associate Team

Director of Results.

Robert W Linkonis Sr..

I’ve Been There.

In 1993 I went through a Chapter 7 Bankruptcy. I thought that no one had credit worse than mine, until my dealership promoted me from car salesman to Finance Manager.

I worked in the automotive industry for fourteen long years holding positions a salesman, Finance Manager, and for many years, a Finance Director. Over time, I repaired my own credit and learned the inner workings of the credit system. This knowledge was very valuable in helping the customers of my dealership.

Many times, to get a customer’s loan approved, I had to act as a credit counselor. We would lay their credit bureaus out on my desk, and using yellow highlighter, mark the areas in need of repair. Next, I would help the customers write their letters to the credit bureaus challenging any inaccurate and obsolete information. Through trial and error, I discovered the techniques to structure extremely effective FCRA requests that would require compliance by the credit bureaus to remove the inaccurate bad credit items.

The purpose of my direct involvement in all this was to help sell a car. With this hands-on approach, the customers wanted to buy a car from me and my dealership. Sometimes I followed up with these customers for up to a year helping them to fix their credit to the point where a bank would approve them for an auto loan.

Eventually, customers would tell their relatives and friends about my “services” and even though they had no interest in buying a car, would call and ask many credit questions and request my advice on credit repair. One of the salespeople joked that I should open a credit repair agency and immediately it seemed to me like a light bulb turned on. I shortly opened the doors to this agency and immediately through word of mouth, Credit Restoration Associates started to grow.

*** My years of experience, and my direct involvement with your case is the difference between Credit Restoration Associates and ANY of our competitors. I know exactly how a credit report needs to look for you to get ideal terms on purchasing a new car or home. No other credit restoration system includes ME with it.

Why you really should

Enroll in the program.

There are no long term contracts, only a monthly fee as long as we are working for you. We only bill after services are fully performed.

Human Resources Director 

Nancy C. Linkonis

Nancy and her creative team form the backbone of the CRA Credit Restoration System. A big part of our program’s success is that we don’t send form letters to the credit bureaus. Nancy and her team promise that each challenge to a misleading and inaccurate item on your credit report will be personalized and for maximum effect.

“The employees of Equifax, Experian, and Transunion are just people. Most are very nice – some aren’t” Nancy states. “Our job is to use the human factor and convince them to remove the inaccurate negative items on your credit report. This is what we are very good at.


Senior Account Manager- 

Francis Owusu

Francis has a Bachelor of Science degree in both Anthropology and Information Systems.

After a tour in the US Navy, Francis chose to focus professionally in the fields of Accounts / Operation Management, Sales Management, Loss Prevention and Workplace Safety.

His passion for helping people and genuine excitement when his clients get good results, makes him a valuable asset to Credit Restoration Associates.

CRA Solutions Envoy – 

Tracia Sago

Tracia (Tracy) worked in both the private sector Housing Authority and in the public sector housing industries for over five years before finding a home at Credit Restoration Associates. Her passion for helping her clients become “mortgage ready” is a bright spot in her career with Credit Restoration Associates.

Fair Credit Reporting Act and Fair Debt Collection practices Act

Attorney – 

Jason M. Krumbein, Esq.

Credit Restoration Associates “on staff” Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) Attorney.


As a client

You will enjoy the extremely high quality of credit services.

We are always here for our clients and will walk you through the process as we work hard for you. A new beginning is just a step away. Provide your information to receive your free credit report evaluation and FREE credit repair information!

Get Your FREE Evaluation!

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