Lori Isaacson

A tale of April Fool's at AM 1470 WWNN didn't go over well with morning drive hosts Steve Kane and Brian Craig of the "Steve Kane Show" in south Florida. From the radio waves to the telephone lines, an April Fool's prank played by fellow host Bill Lewis of the "Credit Restoration Consultants Hour" didn't sit well with Steve and Brian. In a joke that spanned almost a week, it was only on April 2^nd that fellow hosts and listeners alike learned that Bill Lewis had not left the station and his long standing show on financial issues.

Although not a holiday in its own right, April Fool's Day or All Fools Day as it is called in several countries, is celebrated on April 1^st. It is a day that is marked by the commission of hoxes and other practical jokes of varying sophistication on family, friends, co-workers, enemies and neighbors. The aim of April Fool's is to embarrass the weak and gullible. In light of the April 1^st date itself, certain pranks require intense planning and cooperation of others to remain credible.

As the longtime host of the "Credit Restoration Consultants Hour" on AM 1470 WWNN in south Florida, Bill Lewis has provided self-help tips and advice regarding credit repair, finances, and related topics for over five years. On occasion, Bill has hosted politicians such as Rudy Giuliani, John McCain, Charlie Crist, Alex Sink, and Bill McCollum in addition to local politicians seeking election or retention in office. Throughout the years, Bill's show has strayed from the original concept of providing financial awareness to his listeners.

In a scheme that involved station management, Bill Lewis sought to strengthen his listener base and to consolidate the topics hosted. If Bill's show was to evolve, the name had to be changed. Gone was the name "Credit Restoration Consultants Hour." Born was "The Credit Report" with Bill Lewis, a daily forum for business and financial news, politics, economic trends and cutting edge issues. In contemplation of said change, Bill Lewis announced to his listeners a week in advance that the "Credit Restoration Consultants Hour" was voluntarily coming off the air on Tuesday, March 31^st and that an unknown host was replacing him. Lending credibility to the prank was a detailed on-air conversation with station manager Bob Morency on his "last day" in which Bill ridiculed Beasley Broadcasting and AM 1470 WWNN in general.

On April 1st, Bill Lewis was replaced by Liberal Barry and Nat Trayger of "Middle Ground" - a weekend show on AM 1470 WWNN that is considered polar opposite to the "Steve Kane Show." In fact, show hosts Barry Murray and Nat Trayger spend their entire existence dissecting the ramblings of Steve and Brian. What a way to pay tribute to the existing hosts of the Steve Kane Show! What a day for Steve and Brian thinking arch-rivals Liberal Barry and Nat Trayger had replaced Bill Lewis immediately following their show each and every morning. It would be a full 24 hours before the cat was out of the bag.

In an April Fool's joke that had everyone wondering why Bill was leaving the air, "The Credit Report" with Bill Lewis was born on April 2^nd. Gone was the company name that no longer represented the true nature and intent of the show. Gone were the personal viewpoints that adversely impacted Bill's credit restoration business. Although disclaimers touted that the "personal viewpoints of the host, guests, and callers were not those of the station management" it may never be known how many listeners were turned off by Bill Lewis and his rude, arrogant, annoying and obnoxious viewpoints.

Have you grown tired of the "Credit Restoration Consultants Hour?" You can now tune into "The Credit Report" with Bill Lewis weekdays at 9am and 9pm on AM 1470 WWNN in south Florida. As a daily forum for business and financial news, politics, economic trends, and cutting edge issues, your opinion matters. Talk lines are open at (888) 565-1470 and for those outside the local area, you can listen live at www.WWNNRadio.com.

This is a lesson not a solicitation!!

While this time of year may be slow for many businesses, it is actually a great time to take advantage of Credit Repair.

Since the 3 Credit Reporting Agencies, Experian, Equifax and Trans Union, have people just like you and me working for them, they too like to take advantage of the Holiday's and take some time off. There are parties to go to and gifts to exchange. The quality of the work is not always up to par. While we can get away with this in many businesses, the people at the CRA"s must still abide by the Laws of Credit Reporting. That said, this is a great time to do disputes. Like I said, the people working there are only human and do not always keep up. They are also busy with the Holiday's. As I said this is a lesson in timing not a solicitation. Each and every business has cycles. This is just one in my business that most people are not aware of. If you have any questions regarding Credit Repair, Credit Reports or any Credit related issue including Identity Theft, feel free to call or e-mail me. I enjoy the education part of my job very much. As a consumer you have a right to know and understand what is on your credit report. More and more in these times our credit is being pulled for things that years ago did not matter. Who would have thought employers would be pulling credit reports before hiring anyone. It is happening more and more. Remember you have rights as a Consumer. Learn them and make sure they are not being violated.

As the Holiday's approach, take some time to reflect on the year. What do you want to do different next year. Do you know what your credit report looks like. Don't be afraid to look at it. Learn the laws that pertain to you as a consumer. Don't let yourself be fooled into thinking everything is great on your reports. Everyone and I mean everyone should check their reports two times a year. It does not matter if you think you have the best or worst credit. Scores are not everything, what is reporting is important as well. 2 out of 3 reports I pull for our clients have another social security number reporting on their reports. Is there a different one on your.

To educate yourself more go to www,annualcreditreport.com and order your tri-bureau report. Check all 3 bureaus. Do not let a friend in the business pull it for you. That is a hard it. Do it yourself so it does not impact your score!! You can get this once a year from this site free. If you have pulled one this year there are a number of other sites to go to. On these other sites, you will have to order a monitoring service, which you can cancel after you get your reports.

I hope this has given you the consumer a better light on what you need to do to protect yourself. it is you responsibility to make sure nothing is being reported incorrectly. Ignorance is no excuse!! Be an educated Consumer and learn how to protect yourself.

I am really enjoying the opportunity to blog, educate and learn here. I am looking forward to developing more friendships and relationships in 2009.

Happy Holiday's to all of my Friends and Family on Active Rain.

Lori

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

Just when I thought I heard enough about the AR changes I realized I can not find the Q&A. Does anyone know where it went. I love answering questions and feeling like I am helping out our readers. Please help me find them or have they been taken away from us as well? Not a good way to end a week. I feel like I've lost a friend. I can only hope we do not come back Monday to any more surprises.

Happy Friday to all my AR friends. May this be the end of a long stressful week and the beginning of a better time for all!!!

Lori Isaacson

As the first day of the business week comes to an end for me, I can't help wondering if it can get any scarier out there..... I don't know about the rest of you but I was under the impression the"Bailout" was going to turn things around. I just checked the Market and The Dow is currently down over 500 points. Where is the help promised us. Do you mean to tell me, we were conned again. No,I am not really naive, I am just kidding when I said I thought it would help. As usual, the American Public was conned into believing this 700 Billion plus$$ would turn the economy around. No this is not a political blog. I am just as tired of those as the next person. This is just a venting of how sick and tired I am of being conned. When is the average U.S citizen going to be helped. No not bailed out, but helped. Mr. and Mrs. Homeowner do not see the light at the end of the tunnel. Believe me I hear it all day at Credit Restoration Consultants. The sad stories of people losing jobs, losing their homes, not being able to get medical coverage and just plain not being able to afford to provide for their family. Being that it is only Monday, I am afraid to keep watching the news and the watching the Market plunging. Again I do indeed realize the changes will be slow in coming,but when will we see them start. Thanks for the ability to vent. On behalf of all my clients at CRC things stink!!!!!Somebody please tell me when we will see the light at the end of the tunnel. Please do not respond with political endorsements. I am not campaigning for anyone but the general public.....

Thanks for listening,

Lori Isaacson