Lori Isaacson

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.

The bad news first (as if you needed to hear it again). At this very moment we are experiencing a "Credit Crisis" as the U.S. economy struggles to maintain it's ability to keep our head above water. Banks are failing, gas prices are on the rise, foreclosures have increased while home values have plummeted. What a mess!!

So why is it important to repair your credit now? Simply put, due to lax credit requirements in the past which brought us to this point, future requirements are going to be very strict to say the least. A projection that everyone extending credit and financing will increase their requirements regarding credit profiles and credit scores is inevitable. As this will help to correct many problems that have created the current economic woes, it's going to leave a vast majority without the credit worthiness needed to acquire that which they seek.

Doing everything to restore and improve ones credit now is going to make the difference between those who have, and those that have not as lender requirements increase. We are not sure how strict these requirements will be or when they will stabilize as the standard requirement. What we are sure of is the old "catch 22″, You need good credit to get credit and what was deemed good credit in the past, will not be sufficient for those same goods and services we once accessed.

Acting now to repair and restore your credit can help to ensure you have access to credit in the future. Fear of the current credit crisis has credit card issuers lowering credit limits and suspending credit lines, especially if there have been recent delinquencies. Decreased credit limits can in turn lower credit scores as the ratio of amounts owed to available credit, increases. The domino effect ensues and now lower credit scores result in existing creditors invoking the universal default clause, raising interest rates, or even closing those accounts. Of course applications for new credit may be denied as a result of lower credit scores.

The automotive industry is also in flux. Although currently purging large vehicle inventory with lower price incentives and lower interest rates, the current spike in auto loan defaults will probably result in much higher credit requirements to qualify for purchases or refinancing in the future. Getting approved for a loan is one objective, but at what cost? Lower credit scores equate to higher interest rates. Repairing your credit now can save you thousands of dollars in interest over the term of what would have been a high interest loan.

Want to by or refinance a home? Maybe you were pre-qualified at some point in the past or even during the mortgage debacle. Check again! If there is any area of lending and financing that will increase it's requirement for good credit, this is it. In fact good credit as we know it today may not be good enough. A large down payment and excellent credit may the final standard if you want to purchase a home in the future. All the more reason to do everything possible to improve and restore your credit and credit scores now.

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.