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William E. Lewis Jr & Associates Announces the Formation of a Credit Repair Comp onent William E. Lewis Jr.

& Associates, a solutions based professional consulting fir m specializing in the discriminating individual, business or governmental entity , is proud to announce the formation of a credit repair component. Davie, FL, September 24, 2012 -- William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual , business or governmental entity, is proud to announce the formation of a credi t repair component. Facing uncertain economic times, Bill Lewis - formerly with Credit Restoration C onsultants has been widely sought by many in the restoration of their personal c redit worthiness. Approximately 78% of credit profiles in the United States contain some sort of e rror or omission materially affecting credit worthiness. Absent self-help and the do-it-yourself approach, a consumer may hire a credit repair company in the resto ration of their good name and reputation within the community. In tough economic times, your good name and reputation is more important than ev er. Creditors have tightened their guidelines effectively barring millions of Am ericans from borrowing money. Even those with excellent credit are experiencing reduced credit limits and closed equity lines. Mortgage lenders, auto finance co mpanies, credit card issuers and banks have all raised the bar. The terms credit repair, credit restoration or credit rehabilitation are somewha t synonymous. Those with bad credit histories cannot afford to ignore the potent ial benefits of credit repair. In todays economy, a strong FICO score is more imp ortant than ever. Long gone are the days of obtaining credit, goods, benefits, services and/or emp loyment with a 620 score. In most instances, a consumer will be denied if they m aintain a credit score lower than 740. Even those with high credit scores have e xperienced 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 org anization 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 ena cted by Congress to dispute negative, erroneous, obsolete, and/or fraudulent inf ormation 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 dis putes 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/private regulatory authorities. Unlike most credit repair clinics that submit the same written dispute letters m onthly, William E. Lewis Jr & Associates has devised a credit restoration strate gy utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices A

ct, the Fair Credit Billing Act, the Fair and Accurate Credit Transactions Act, in addition to laws applicable to a consumers state of residence. 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 & Associat es or any other credit repair company to review, investigate and/or dispute alle ged discrepancies on your credit report. Where William E. Lewis Jr & Associates may have an edge over the average consume r is that we possess the education, knowledge and a source proven method that co nsistently yields results. William E. Lewis for its clients s, bankruptcies, ifiers, arrests, m 30 days to six Jr & Associates has obtained thousands of deletions and updates and can help remove erroneous and/or inaccurate judgments, lien student loans, inquiries, derogatory tradelines, personal ident etc. While the credit restoration process can take anywhere fro months, most clients see dramatic results in 45-60 days.

Credit repair, credit restoration and/or credit rehabilitation is as legal as pl eading "not guilty" in a court of law. With that said, one must understand that as a credit service organization William E. Lewis Jr & Associates is not a law f irm and that none of their employees is an attorney licensed to practice law in the state of Florida. As such, William E. Lewis Jr & Associates cannot provide legal advice nor repres ent any individual before any court or in any legal proceeding. In the event tha t legal representation is required, William E. Lewis Jr & Associates may provide an appropriate attorney referral for consultation. Ordering Free Credit Reports: Under the Fair Credit Reporting Act, as modified by the Fair and Accurate Credit Transactions Act, consumers are entitled to a free copy of their credit report under a narrow set of circumstances. If you have been denied credit, goods, benef its, services, insurance, and/or employment, the credit reporting agencies of Eq uifax, Experian and Trans Union are statutorily mandated to provide a copy free of charge. Equifax can be contacted at (800) 685-1111 orwww.Equifax.com;Experian can be conta cted at (888) 397-3742 orwww.Experian.com;and Trans Union can be contacted at (800 ) 916-8800 orwww.TransUnion.com. Be sure to prompt that you were denied credit wh en requested to do so. Absent these exceptions, consumers are entitled to one free annual credit report p er year. Credit scores are not included with any of the free credit reports provid ed by the national credit reporting agencies. For your free annual credit report, contact the central source at 877-FACT-ACT ( 877-322-8228) orwww.AnnualCreditReport.com. Follow the voice prompts and obtain y our credit report for review. When self-help or the do-it-yourself approach is not feasible and you decide to hi re a company to restore your credit, be sure to check them out. While the majorit y of credit repair clinics are scams, a few good ones do exist. Consumers can che ck out a credit service organization through their state Attorney General, the F ederal Trade Commission atwww.ftc.govor through the Better Business Bureau atwww.BB B.org. For more information, please contact William E. Lewis Jr & Associates at (954) 3 37-1530 or visit them on the Internet at www.williamlewis.us.

Bill Lewis is principal of William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual, busi ness or governmental entity. The Credit Report with Bill Lewis airs live, Monday through Friday from 7am-8am Eastern Time with an encore presentation Saturdays at 4pm on AM 740 WSBR. Streami ng audio is available at http://www.wsbrradio.com and on air participation is we lcome at (888) 721-0074. If you miss the early broadcast, The Credit Report with Bill Lewis is still avai lable weeknights at 9pm Eastern Time, Saturdays at 6pm and Sundays at 8pm on AM 14 70 WWNN by streaming audio at http://www.wwnnradio.com. For daily updates on The Credit Report with Bill Lewis, you can join Bills 35,550 plus fans on Facebook at: http://www.facebook.com/thecreditreportwithbilllewis. Contact: William E. Lewis, Jr William E. Lewis, Jr. & Associates 12535 Orange Drive, Suite 603 Davie, FL 33330 850-391-4490 bill@williamlewis.us http://www.WilliamLewis.us