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About Credit Restoration Associates

Since 2007, we have been the only legal and bonded credit repair company in Richmond and its surrounding counties. We are also in full compliance with the FTC’s CROA (Credit Repair Organizations Act). Our niche is fixing credit for loan approval. We practice ethical credit repair. This means that we demand 100% accuracy in every component of every trade line on a credit report (which is required by the Fair Credit Reporting Act). Our techniques help the client achieve this by identifying the many errors in the derogatory information on their credit reports and very assertively demanding accuracy. When the bureaus choose to not comply with the clients rights under the FCRA, we build a paper trail of this non-compliance. The paper trail then goes to our legal team who might sue the credit bureaus for violating the FCRA. This is one of the reasons why our credit repair technique is extremely effective. In addition to the credit bureaus, we also audit the client’s original creditors and collection agencies. We know that a clients’ credit will not get approved for financing with unpaid judgments or anything in the “past-due” column on the credit report. So, one of the ways for us to get a report ready for approval is to fully audit the accounts as reported to the bureaus by the original creditors. We immediately go on offense with the collection agencies and demand full compliance with the Fair Debt Collection Practices Act.

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