South Florida Credit Repair by Credit Restoration Consultants

Oct. 1, 2010 - PRLog -- In these tough economic times, your good name and reputation are important. Creditors have tightened their guidelines barring millions of Americans from borrowing money. Even those with excellent credit and high credit scores have experienced reduced credit limits and closed equity lines. Mortgage lenders, auto finance companies, credit card issuers and banks have all raised the bar. Borrowers with low credit scores can expect to be denied or to pay significantly higher interest rates than those with excellent credit. Long gone are the days of obtaining credit, goods, benefits, services and/or employment with a 620 credit score. In more instances than not, a consumer will be denied if they maintain a credit score lower than 720.

The terms credit repair, credit restoration and/or credit rehabilitation are somewhat synomous. Those with bad credit cannot afford to ignore the potential benefits of credit repair. In today's society, credit repair is more important than ever. Approximately 78% of credit profiles contain some sort of error or omission materially impacting credit worthiness. As such, one would be wise to at least explore retaining a reputable credit service organization in the restoration of their own good name and reputation within the community. With that said, Credit Restoration Consultants should be that credit repair company.

Located in Sunrise, Florida, Credit Restoration Consultants is a credit service organization specializing in the restoration of consumer credit worthiness as well as identity theft. We assist consumers in achieving a favorable financial credit profile. Everything we do is legal utilizing laws enacted by Congress to dispute negative, erroneous, obsolete, and/or fraudulent information contained within your consumer credit profile.

Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, and the Fair and Accurate Credit Transactions Act, Credit Restoration Consultants will assist a consumer in the submission of disputes electronically, verbally and in writing to the Equifax, Experian and Trans Union consumer reporting agencies in addition to creditors, collection agencies, third-party record providers and state/federal/local/private regulatory authorities. Keep in mind that anything Credit Restoration Consultants can do - you can do yourself. Where Credit Restoration Consultants has an edge is that we possess the education, knowledge, experience, and source proven method that yields results in the credit repair process.

Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Consultants has devised a strategy whereby disputes are submitted electronically, verbally and in writing over a six month period to the credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate, obsolete and/or erroneous information. Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Fair and Accurate Credit Transactions Act, in addition to laws applicable to a particular state, Credit Restoration Consultants has obtained thousands of deletions and updates for its clients.

Credit Restoration Consultants can help update or remove erroneous and/or inaccurate judgments, liens, bankruptcies, foreclosures, short-sales, student loans, inquiries, derogatory tradelines, personal identifiers and more! While the credit restoration process can take anywhere from 30 days to six months, most clients see dramatic results in 45-60 days.

Credit repair, credit restoration and/or credit rehabilitation is as legal as pleading "not guilty" in a court of law. With that said, one must understand that as a credit service organization Credit Restoration Consultants is not a law firm and that none of its employees is an attorney licensed to practice law in the state of Florida. As such, Credit Restoration Consultants cannot provide legal advice nor represent any individual before any court or in any legal proceeding. In the event that legal representation is required, Credit Restoration Consultants may provide an appropriate attorney referral for consultation.

Still not convinced as to the benefit of utilizing Credit Restoration Consultants in the restoration of your good name and reputation within the community? Tune into "The Credit Report with Bill Lewis" on AM 1470 WWNN, a daily forum for business and financial news, politics, economic trends, and cutting edge issues. Bill can be heard weekday's on the 9's - both 9:00 a.m. and 9:00 p.m. eastern time - on AM 1470 WWNN in south Florida. For those listening online, streaming audio can be accessed at www.WWNNRadio.com by clicking on the listen live link.

For more information on Credit Restoration Consultants or to discuss your individual situation, please contact us at (954) 581-5050 or online at http://www.TalkAboutCredit.com

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William E. Lewis Jr., is a credit repair expert with Credit Restoration Consultants, host of "The Credit Report with Bill Lewis" on AM 1470 WWNN, and a columnist for the Highlands Today within the Media General Group. To listen to Bill’s show, tune into www.WWNN.am weekdays at 9 o’clock on AM 1470 WWNN. To check out Bill’s weekly business column, go to www.WilliamLewis.us.