Approximately 78% of credit profiles in the United States contain some sort of error or omission materially affecting credit worthiness. Absent self-help and the “do-it-yourself”
In tough economic times, your good name and reputation is more important than ever. Creditors have tightened their guidelines effectively barring millions of Americans from borrowing money. Even those with excellent credit are experiencing reduced credit limits and closed equity lines. Mortgage lenders, auto finance companies, credit card issuers and banks have all raised the bar.
The terms credit repair, credit restoration or credit rehabilitation are somewhat synonymous. Those with bad credit histories cannot afford to ignore the potential benefits of credit repair. In today’s economy, a strong FICO score is more important than ever.
Long gone are the days of obtaining credit, goods, benefits, services and/or employment with a 620 score. In most instances, a consumer will be denied if they maintain a credit score lower than 740. Even those with high credit scores have experienced closed credit card accounts and equity lines. When an account has not been closed, credit limits have been reduced to the current balance due.
Borrowers with low credit scores can expect to be denied or to pay significantly higher interest rates than those with excellent credit.
Operating within William E. Lewis Jr. & Associates is a small 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 at William E. Lewis Jr. & Associates 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, William E. Lewis Jr. & Associates will assist consumers 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/
Keep in mind that anything William E. Lewis Jr. & Associates can do – you can do yourself. That means that you do not have to hire William E. Lewis Jr. & Associates – or any other credit repair company – to review, investigate and/or dispute alleged discrepancies on your credit report.
Where William E. Lewis Jr. & Associates may have an edge over the average consumer is that we possess the education, knowledge and a source proven method that consistently yields results.
William E. Lewis Jr. & Associates has obtained thousands of deletions and updates for its clients and can help remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers, arrests, etc. 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 William E. Lewis Jr. & Associates is not a law firm and that none of their employees is an attorney licensed to practice law.
As such, William E. Lewis Jr. & Associates cannot provide legal advice nor represent any individual before any court or in any legal proceeding. In the event that legal representation is required, William E. Lewis Jr. & Associates may provide an appropriate attorney referral for consultation.