Credit Restoration Consultants Blog

Complete Credit Repair only $1,499.00 by Credit Restoration Consultants

William Lewis (Credit Restoration Consultants) — Tue, 11 Nov 2008 08:00:25 -0600

Experts are talking recession and families are wondering how to protect their financial security. With the foreclosure epidemic, unemployment at an all time high, and Congress scrambling to bail out the financial industry, many consumers are experiencing severe stress as it relates to their economic stability and general well being. Although gasoline prices have fallen into the low $2.30 range, the economy is struggling with food prices and professional services that have increased at alarming rates. As a result, many families have scaled back on their spending to include only the necessities.

In an ever worsening economy your good name and reputation within the community is becoming more important. 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. 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 may be that credit service organization.

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/private regulatory authorities. Keep in mind that anything Credit Restoration Consultants can do - you can do yourself. Where Credit Restoration Consultants has the edge is the fact that we possess the education, knowledge and a source proven method which yields results.

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 remove erroneous and/or inaccurate judgments, liens, bankruptcies, 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? You should tune into the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. 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 the $1,499.00 Internet special, please contact us at (954) 581-5050 or online at www.talkaboutcredit.com

Credit Restoration Consultants Returns to the Weston Relay for Life

William Lewis (Credit Restoration Consultants) — Mon, 29 Sep 2008 17:36:03 -0500

Having raised in excess of $50,000 in 2007 and 2008, Credit Restoration Consultants - a credit service organization specializing in the restoration of consumer credit worthiness and identity theft - is once again returning to the Weston Relay for Life in 2009. Having surpassed it's 2008 goal with over $35,000 in verified contributions, William and Jennifer Lewis were recently honored by the Broward unit with a "Top Online Fundraising Award" for the American Cancer Society - Florida Division.

Please join William and Jennifer Lewis - along with dozens of other dedicated participants - and become a part of the Weston Relay for Life on May 1st and 2nd, 2009 starting at 5pm at Cypress Bay High School in Weston.

Across America each and every year one event unites entire communities in the fight against cancer. That event is the American Cancer Society Relay For Life. It's a time and place where individuals come to celebrate those who have survived cancer, remember those we have lost, and fight back against a disease that touches many lives.

The Weston Relay for Life is not just an opportunity to celebrate, remember, but to fight back! Your involvement will help the American Cancer Society work toward a mission of eliminating cancer as major health issue and will support much-needed services in your community. Thanks in part to the donations from Relay For Life, the American Cancer Society is saving lives, helping those touched by cancer, and empowering people to fight this disease all over the world.

If you want to be a part of the fight against cancer, you can join the Credit Restoration Consultants team by visiting our website at http://www.TalkAboutCredit.com and clicking on the American Cancer Society link today! For more information, call William Lewis at (954) 581-5050.

To print an offline donation form, click here.

How to Find Credit Restoration Consultants.....

William Lewis (Credit Restoration Consultants) — Mon, 22 Sep 2008 15:11:33 -0500

No matter how many times I have advised former clients of Credit Restoration Consultants on our relocation from Davie to Sunrise in December, 2007, today I received a phone call from one wondering whether or not we were still in business. Seems like they went by the old office and found it empty......

In November, 2007 Credit Restoration Consultants notified its clientele - by mail and telephone - of a pending move. I even widely posted the following on the Internet:

Due to an ever changing real estate environment and an almost doubling of our monthly rental expenses, Credit Restoration Consultants has relocated. Although our preference was to remain in our former location of 4263 Davie Road, Suite 2, Davie, FL 33325, moving was an absolute must in an effort to provide cost effective service to our current and former clients. Besides, we have moved to a much nicer office!

Effective December 1, 2007 our new address is:

Credit Restoration Consultants
Sawgrass Business Plaza
13790 North West 4th Street, Suite 111
Sunrise, FL 33325
(954) 581-5050

Although our address has changed, our telephone number has remained the same. Please pay close attention to the automated attendant of our new phone system as each of our staff have new extension numbers.

Now almost ten months later, I wonder if anyone was paying attention......

Credit Restoration Consultants Joins the President's Council on Service and Civic Participation

William Lewis (Credit Restoration Consultants) — Fri, 05 Sep 2008 11:55:50 -0500

Credit Restoration Consultants - a credit service organization specializing in the restoration of consumer credit worthiness and identity theft - has a long proud history of volunteer service. Our volunteers are working to meet the needs of their neighborhoods and the community by participating as committee members or volunteers in the Weston Relay for Life, an American Cancer Society event, as well as with the Starlight Starbright Children's Foundation.

In recognition of these outstanding achievements, Credit Restoration Consultants is proud to announce the availability of the President's Volunteer Service Award, a prestigious national honor offered in recognition of volunteer commitment. Established in 2003, this new Award is given by the President of the United States and honors individuals, families and groups who have demonstrated a sustained commitment to volunteer service over the course of 12 months.

Credit Restoration Consultants has teamed with hundreds of organizations and businesses across the country to deliver this Award to our most outstanding volunteers. As a Certifying Organization of the President's Volunteer Service Award, we can nominate potential recipients and distribute the Award to those who meet or exceed the Award criteria.

"Credit Restoration Consultants is extremely proud to join the President of the United States in recognizing the volunteers who consistently take the time to make a difference in the lives of others," said William E. Lewis, Jr., president of Credit Restoration Consultants "Volunteers strengthen America and inspire others to get involved. We are proud to honor our volunteers who are answering the call with this Award."

Children, adults, families and groups can receive the Award and, given their ongoing service activity, many of our volunteers may already meet the requirements (see sidebar). To qualify for the President's Volunteer Service Award, volunteers simply submit a record of their service hours to Credit Restoration Consultants (under organization number JQZ-25158) and we will verify the service and deliver the Award.

Volunteer service hours are not limited to those performed on behalf of Credit Restoration Consultants, the Weston Relay for Life, or the Starlight Starbright Children's Foundation. In fact, service hours can be accumulated through work on a variety of projects throughout the year. The only requirement is that the necessary hours be completed within 12 months; recipients can qualify for a new Award each year.

"Our volunteers should strive to earn the President's Volunteer Service Award every year," said William E. Lewis, Jr. "Even if you've never volunteered before, the Award is within your reach. In fact, the strength and success of our nation depends on every one of us taking an active role in the community where we live. You can also help strengthen America by asking your friends, families and neighbors to join you in helping your community. Most people say ‘yes' if asked to volunteer - all it takes is a personal request."

The President's Volunteer Service Award is issued by the President's Council on Service and Civic Participation - created by President George W. Bush to recognize the valuable contributions volunteers make to our nation. To learn more and find out how to qualify for the Award, visit www.PresidentialServiceAwards.gov and enter the Credit Restoration Consultants section under organization number JQZ-25158.

SIDEBAR

To be eligible to receive the President's Volunteer Service Award, applicants' service hours must be confirmed by a registered Certifying Organization. There are three levels of the Award varying by hours of service completed within a 12-month period:

Kids - 14 and younger

Bronze Award 50 - 74 hours

Silver Award 75 - 99 hours

Gold Award 100 or more hours

Young Adults - Ages 15 - 25

Bronze Award 100 - 174 hours

Silver Award 175 - 249 hours

Gold Award 250 or more hours

Adults - Ages 26 and up

Bronze Award 100 - 249 hours

Silver Award 250 - 499 hours

Gold Award 500 or more hours

Families and Groups (two or more people)*

Bronze Award 200 - 499 hours

Silver Award 500 - 999 hours

Gold Award 1,000 or more hours

*Each member contributing at least 25 hours towards the total

President's Call to Service Award

Individuals who have completed 4,000 or more volunteer service hours over the course of their lifetime are eligible to receive the President's Call to Service Award.

Bad Credit Repair by the Credit Repair Experts of Credit Restoration Consultants

William Lewis (Credit Restoration Consultants) — Tue, 15 Jul 2008 18:44:10 -0500

Credit Restoration Consultants is a credit service organization specializing in the restoration of consumer credit worthiness and 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 addtion to creditors, collection agencies and third-party record providers. Keep in mind that anything we do, you can do yourself. Where Credit Restoration Consultants has the edge is the fact we possess the knowledge and a source proven method which yields results.

Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Consultants has devised a strategy whereby disputes are submitted verbally, electronically and in writing over a six month period to credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate 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 remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers and more! The credit restoration process can take anywhere from 30 days to six months. Most clients see dramatic results in 45-60 days.

Credit restoration is as legal as pleading "not guilty" in a court of law. With that said, though, one must understand that 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 referral for consultation.

For more information on Credit Restoration Consultants, please contact us telephonically at (954) 581-5050, online at www.TalkAboutCredit.com or tune into the Credit Restoration Consultants Hour with credit repair Expert Bill Lewis weekdays on the 9's (eastern time) on AM 1470 WWNN.

Micro-Mini Version of the Credit Restoration Consultants Hour

William Lewis (Credit Restoration Consultants) — Wed, 18 Jun 2008 07:05:56 -0500

Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the micro-mini version of the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Are you unable to tune into Bill's regular show on AM 1470 WWNN weekday's on the 9's - at both 9:00 a.m. and 9:00 p.m. eastern time? If so, tune into the micro-mini version of the Credit Restoration Consultants Hour each and every morning at 6:30 a.m. eastern time on WSBR 740 AM, south Florida's only Money Talk station. For those listening online, streaming audio can be accessed at www.WSBR.am by clicking on the listen live link.

Credit Restoration Consultants is a credit service organization specializing in the restoration of consumer credit worthiness and 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 addtion to creditors, collection agencies and third-party record providers. Keep in mind that anything we do, you can do yourself. Where Credit Restoration Consultants has the edge is the fact we possess the knowledge and a source proven method which yields results.

Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Consultants has devised a strategy whereby disputes are submitted verbally, electronically and in writing over a six month period to credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate 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 remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers and more! The credit restoration process can take anywhere from 30 days to six months. Most clients see dramatic results in 45-60 days.

Credit restoration is as legal as pleading "not guilty" in a court of law. With that said, though, one must understand that 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 referral for consultation.

For more information on Credit Restoration Consultants, please contact us telephonically at (954) 581-5050, online at www.CreditRestorationConsultants.com or tune into the micro-mini version of the Credit Restoration Consultants Hour with credit repair Expert Bill Lewis weekdays at 6:30 a.m. on WSBR 740 AM, south Florida's only Money Talk station.

Credit Restoration Consultants Returns to the 6th Annual Starlight Greater Open Golf Tournament

William Lewis (Credit Restoration Consultants) — Mon, 16 Jun 2008 12:34:42 -0500

Credit Restoration Consultants (CRC), a credit service organization specializing in the restoration of consumer credit worthiness and identity theft, has once again returned to the Starlight Greater Open Golf Tournament as the presenting sponsor. Having surpassed its 2007 goal, CRC pledges even more support for 2008!

As a devoted supporter of Starlight for many years, we encourage others to make an investment that will make a huge difference in the lives of more seriously ill children and their families in Florida. Please join Credit Restoration Consultants in supporting the Starlight Florida 6th Annual Greater Open Golf Tournament on Friday, November 7, 2008 at Jacaranda Golf Club in Plantation, Florida.

Children fighting serious medical conditions often feel like they are alone. They don't get to see their friends as often as they would like. Most of their time is spent shuffling between hospital rooms or meeting with physicians. With so much commotion on the outside, it is easy to forget there is a child on the inside.

When a child or teenager has a serious medical condition, everyone in the family is affected. Your gift will ensure that more families have access to Starlight's entertainment, education and family activity programs that have been proven to distract children from their pain, help them better understand and manage their illnesses, and connect families facing similar challenges so that no one feels alone. Won't you please show your support today by using this form to make a contribution?

Your participation - either financially or as a volunteer - enables Starlight to provide seriously ill children with a variety of programs and services that entertain and educate, and most importantly, provide them moments when they can forget about their medical condition and focus on what they do best - be kids.

Programs supported by these proceeds include:

ØGreat Escapes, family activities and events during which seriously ill children, their parents and their siblings can regroup as well as meet other families in similar circumstances. To host a Great Escape outing costs $2,000.

Ø Fun Centers, mobile entertainment units containing a DVD player and Nintendo Wii^TM to help hospitalized children pass long hours and find distraction from medical procedures. To place a Fun Center in a hospital, the cost is $4,250.

ØPC Pals, specially configured for hospitalized children that provide bedside entertainment, internet access, and educational software to help children pass long hours and stay connected to friends, family and schoolwork. Each PC Pal placement is $5,000.

If you want to be part of the Credit Restoration Consultants team at the Starlight Greater Open Golf Tournament being held on Friday, November 7, 2008 at the Jacaranda Golf Club in Plantation, please contact event chair, Renee Feldman directly at (954) 449-9985 or visit us online at www.TalkAboutCredit.com. To learn more about Starlight's services and programs, please contact Sasha Moon at (954) 318-2178, or visit the website at www.Starlight-Florida.org.

How to Beat the Debt Collector with Sample Cease and Desist Letter

William Lewis (Credit Restoration Consultants) — Mon, 09 Jun 2008 13:21:50 -0500

Debt collectors are highly motivated to convince debtors to pay the debt because they frequently work on a low base pay plus commission. This business model has created the reputation for bill collection agencies that we know today.

The collector might engage in threatening behavior and harassment. However, like any other business they are governed by laws that prohibit certain abusive practices.

There are three reasons for a debt collector to contact you: your creditor has not received a payment from you within the time frame discussed in the contract; you are a victim of an identity theft meaning someone used your identity to obtain credit and didn't pay it off; and finally, you might be contacted by collectors who are looking for someone other than you .

When contacted by a collector, take as much information as possible from the caller. Ask for the name of the company, address, the caller name, fax and phone number, amount owned, and the name of the creditor who passed your account to them. Also, tell them you expect to receive a notice in the mail concerning this debt. The last step is very important because you need to have proof of the debt in question in writing.

If you discovered that the debt is not yours, never pay it off simply to get rid of the collector. Also, never ignore the collector either. They will not stop contacting you, and may even file a lawsuit against you. If you are repeatedly being contacted by a collector looking for someone other than you, it may be considered a form of harassment. To stop this you need to send them a letter requesting to cease calls.

If you established that the debt is yours and you don't feel comfortable dealing with a collector via phone, tell them you want all future correspondence in writing. You need to send this request via a certified mail and request a return receipt. If you want to allow calls only between 5pm and 6pm, tell them about it in the letter. By law collection companies are required to respect your privacy and will have to cease all phone calls to your home, relatives, neighbors, and work.

Once you have their claims in writing it's easier to seek legal help, and keep records of your correspondence. Send all your responses to bill collectors via Certified Mail. This way you will have proof of receipt by the addressee.

Remember that the amount they claim you owe is negotiable. You can negotiate the total amount due, number of payments, and the payment deadline. Once you worked out the payment plan, request it in writing.

What a debt collector CANNOT do:

1.) Use deceptive practices. For example, threaten you with arrest or trick you into paying for collection calls.
2.) Use obscene language.
3.) Call you at work after you tell them that your boss does not approve these calls.
4.) Deny you the right to receive a written notice (within five days after your first phone conversation) that would tell you how much you owe and the name of the creditor that says you owe the money. If you do not receive the notice within five days, call the collection agency and ask for its address and fax number. Then, send a letter to the collector noting its failure to send you the required notice. As a minimum, make a note in your file.
5.) Refuse to give its name and the name of the collection company when asked.
6.) Put a debt on your credit report if you file a dispute. It must validate the debt by obtaining a verification of the debt or a copy of a judgment from the creditor before continuing their collection efforts. The results of the investigation must be mailed to you.

SAMPLE CEASE AND DESIST LETTER

The cease and desist letter has legal stature based upon the Fair Debt Collections Practices Act at section 805. You can read it for yourself here. The Fair Debt Collection Practices Act applies to both the agency and to attorneys who collect two or more debts per year. This law does not apply to the original creditor. However many original creditors will honor your request to not be called.

Please note that when a consumer debt collector receives a cease and desist letter they may move the account to legal status. This means that if they intend to sue you, the cease and desist letter will prompt them to bring suit immediately. So if there is an alternative way to stop being bothered by their calls, like using an answering machine, I'd suggest that you try it first. If there is no alternative then send the cease and desist letter.

Send the letter via certified mail with a return receipt request. Keep a copy of the letter for your files. The letter may take a couple of weeks to work its way through the collection agency's system before your number is taken out of their automated dialers. Even after they receive the letter they are allowed (under law) to contact you one time to notify you of their intent.

The below letter is easily personalized by utilizing a word document program. Although not the cease and desist letter currently utilized by Credit Restoration Consultants, it will serve to notify consumer debt collectors of your intent and purpose. Although protected by copyright, single user permission is granted to individuals in the self help credit restoration process.

My Address
My City State and Zip

December 30, 2001

Acme Collection Agency
12345 West Main Street
Any Town, AL 30311

Dear Sir/Madam:

This letter is forwarded to your collection agency reference account number 123456 and the dunning collection notices/calls recently received. Insofar as your agency is a debt collector pursuant to section 803 of the Fair Debt Collection Practices Act, you will be treated like one. Therefore, the Fair Debt Collection Practices Act - and all of its relevant provisions - will be invoked.

YOU ARE HEREBY NOTIFIED that this is a disputed debt pursuant to section 809 of the Fair Debt Collection Practices Act. The specific content of said dispute was recently stated - verbally - to an individual at your agency who refused to provide their name upon request thereof. Pursuant to the FDCPA, you are prohibited from dunning a debtor when a specific debt is disputed.

YOU ARE FURTHER NOTIFIED that this is a disputed debt pursuant to section 623 of the Fair Credit Reporting Act. It is my belief that your agency has illegally reported this disputed debt to Equifax, Experian, and Trans Union. If this is the case, I will most certainly litigate an action against your agency insofar as it has willfully reported a disputed debt. Pursuant to the FCRA, your agency must notify the consumer reporting agencies of any disputed delinquency immediately upon notification thereof. A further cause of action may exist for failure to perform this ministerial task.

YOU ARE FURTHER NOTIFIED that I desire no further communication with your agency under section 805 of the Fair Debt Collection Practices Act. Your agency is to CEASE and DESIST all further communication immediately. Should I receive another piece of dunning correspondence that does not comport with the provisions of the FDCPA, I will immediately initiate litigation against your agency.

Sincerely,

John Q. Public

THIS IS AN ATTEMPT TO MAKE A DEBT COLLECTOR OBEY THE LAW. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM AN ALLEGED DEBTOR REFERENCE A DISPUTED DEBT.

Identity Theft Can Start at Any Age

William Lewis (Credit Restoration Consultants) — Sun, 08 Jun 2008 05:28:01 -0500

A new variation of identity theft has substantially gained in popularity over the last four years - child identity theft. Child identity theft occurs when a child's identity is used by another person for the imposter's personal gain. The perpetrator may be a family member or someone known by the family. It could also be a stranger who purposely targets children because of the lengthy time between the theft of the information and the discovery of the crime. The Federal Trade Commission says child identity theft has tripled in the past three years. The FTC reported 8500 cases in 2003, more than 14,000 in 2005, and 26,300 in 2006.

Children are often easy targets because thieves get an eight to ten year head start on them. In fact, most children who have had their identities stolen are not aware of it until they someday apply for credit, college, or employment. Parents or relatives are usually the first to notice that something is not quite right. Some of these child identity theft cases involve split families (one of the parents is the perpetrator and the crime is exposed by the other, unoffending parent). Discovery often comes:

When attempting to open a savings/checking account or college fund for the child. In this scenario, an unoffending parent discovers that there is already an account with that social security number or that a new account is denied due to prior worthless checks on file at Chex Systems;
When numerous pre-approved credit offers come in the mail bearing the name of the child;
When credit cards, checks, invoices or bank statements (not opened by a unoffending parent as a joint holder) are received bearing the name of the child;
When collection agencies call and/or send letters about accounts not opened by the child;
When a child is denied the privilege of obtaining a driver's license because another individual has a license with that social security number. The imposter may even have accumulated traffic citations in the child's name;
While going through papers during a divorce proceeding or while straightening up the house (Parental identity theft)
When a law enforcement officer knocks at your door with a warrant for the arrest of your child.

There are some cases that appear to be identity theft but are not. Receiving a pre-approved credit card offer in your child's name might upset you as a parent. However, it might only be an innocent marketing tool sent by a potential creditor because you opened a college fund for your child. A quick check of credit reports will help sort out the truth. Currently, all three credit reporting agencies have automated systems. You should contact them annually to request a credit report on your children. If you are advised that no credit report exists, your child is safe for the time being. Equifax can be contacted at (800) 685-1111; Experian can be contacted at (888) 397-3742; and Trans Union can be contacted at (800) 916-8800.

A common misconception of most individuals is that creditors and credit reporting agencies have a method of verification when it comes to the age and identity of an applicant. Since most creditors rely strictly upon the written application when rendering a credit granting decision and the age of an individual becomes "official" with a credit reporting agency upon the first application for credit, said reliance can be fatal in the area of identity theft. This is a fault within our credit reporting system that needs to be rectified if we are to reduce the incidence of child identity theft.

If your child is the victim of identity theft, you should file a police report with your local law enforcement authority immediately. Federal law mandates that the credit reporting agencies investigate and correct all identity theft issues. Nevertheless, it all starts with a police report. Without the police report, creditors and/or credit reporting agencies are not required to act upon your complaint.

Sales Representatives Sought by Credit Restoration Consultants - South Florida

William Lewis (Credit Restoration Consultants) — Sat, 07 Jun 2008 07:14:10 -0500

Credit Restoration Consultants, a Sunrise, Florida, based credit service organization specializing in the restoration of consumer credit worthiness and identity theft - seeks a commissioned based Sales Representative. Detail-oriented person with initiative wanted. Strong data entry skills required along with knowledge of Microsoft Office. Qualified candidate will be efficient, organized, and have strong sales experience.

Job description includes the marketing of credit restoration services to credit challenged individuals and victims of identity theft. Initial leads and lead sources are provided with no cold-calling required.

This position is commission based with a full benefits package. Paid training is available to qualified candidates.

Qualified candidates should fax a resume to Jennifer Lewis at (954) 581-2340 for immediate consideration.

Credit Restoration Consultants Hour with Credit Repair Expert Bill Lewis

William Lewis (Credit Restoration Consultants) — Sat, 07 Jun 2008 07:08:30 -0500

Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. 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.

Credit Restoration Consultants is a credit service organization specializing in the restoration of consumer credit worthiness and 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 addtion to creditors, collection agencies and third-party record providers. Keep in mind that anything we do, you can do yourself. Where Credit Restoration Consultants has the edge is the fact we possess the knowledge and a source proven method which yields results.

Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Consultants has devised a strategy whereby disputes are submitted verbally, electronically and in writing over a six month period to credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate 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 remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers and more! The credit restoration process can take anywhere from 30 days to six months. Most clients see dramatic results in 45-60 days.

Credit restoration is as legal as pleading "not guilty" in a court of law. With that said, though, one must understand that 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 referral for consultation.

For more information on Credit Restoration Consultants, please contact us telephonically at (954) 581-5050, online at www.TalkAboutCredit.com or tune into the Credit Restoration Consultants Hour with credit repair Expert Bill Lewis weekdays on the 9's (eastern time) on AM 1470 WWNN.