William E. Lewis Jr & Associates opens new location in Davie


As a nationally recognized credit repair and identity theft expert, Bill Lewis is principal of William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity, in Fort Lauderdale, Florida.
As a nationally recognized credit repair and identity theft expert, Bill Lewis is principal of William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity, in Fort Lauderdale, Florida.

As a nationally recognized credit repair and identity theft expert, Bill Lewis of William E. Lewis Jr. & Associates – a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity – announces the opening of a new office in Davie, Florida.

Having outgrown their former location, William E. Lewis Jr & Associates recently moved to 6099 Stirling Road, Suite 210, Davie, FL 33314. 

Formerly with Credit Restoration Consultants, Bill Lewis has been widely sought by many in the restoration of their personal credit worthiness.  As such, a new credit repair component was formed.

In tough economic times, your good name and reputation are more important than ever. Creditors have tightened their guidelines effectively barring millions of Americans from obtaining credit.  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.

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” approach, a consumer may hire a credit repair company in the restoration of their good name and reputation within the community.

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 boutique credit service organization specializing in the restoration of consumer credit worthiness as well as identity theft. Assisting consumers in achieving a favorable financial credit profile is their first priority.

Everything they 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/private regulatory authorities.

Unlike most credit repair clinics that submit the same written dispute letters monthly, William E. Lewis Jr & Associates has devised a credit restoration strategy 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 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 & 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 accounts, 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 as a credit service organization William E. Lewis Jr & Associates is not a law firm 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 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. 

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, benefits, services, insurance, and/or employment, the credit reporting agencies of Equifax, Experian and Trans Union are statutorily mandated to provide a copy free of charge.

Equifax can be contacted at (800) 685-1111 or www.Equifax.com; Experian can be contacted at (888) 397-3742 or www.Experian.com; and Trans Union can be contacted at (800) 916-8800 or www.TransUnion.com. Be sure to prompt that you were denied credit when requested to do so.

Absent these exceptions, consumers are entitled to one free “annual credit report” per year. Credit scores are not included with any of the “free credit reports” provided by the national credit reporting agencies.

For your free annual credit report, contact the central source at 877-FACT-ACT (877-322-8228) or www.AnnualCreditReport.com. Follow the voice prompts and obtain your credit report for review.

When self-help or the “do-it-yourself” approach is not feasible and you decide to hire a company to restore your credit, be sure to check them out.  While the majority of credit repair clinics are scams, a few good ones do exist.  Consumers can check out a credit service organization through their state Attorney General, the Federal Trade Commissionat www.ftc.gov or through the Better Business Bureau at www.BBB.org.

For more information, please contact William E. Lewis Jr & Associates at (954) 337-1530 or visit them on the Internet at www.williamlewis.us.

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As a nationally recognized credit repair and identity theft expert, Bill Lewis is principal of William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity.

For daily updates on The Credit Report with Bill Lewis, you can join Bill’s 11,550 plus fans on Facebook at: http://www.facebook.com/thecreditreportwithbilllewis.

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Grandma Gone Wild: iPhone Records Shooting of Son-in-Law


Smile Mom – you’re on Candid Camera.  Or at least on my iPhone according to Broward Sheriff’s Office officials. 

As Salvatore Miglino headed to his mother-in-law’s Tamarac home Wednesday to pick up his 3-year-old son, he expected a confrontation.   Before Miglino exited his car, he hit the record button on his iPhone.

The recording became chilling evidence of a violent, sudden attack that put Miglino in the hospital and his mother-in-law behind bars.

Shortly after 5 p.m., Miglino, 39, of Boca Raton, pulled up to the home of his estranged parents-in-law to pick up his son.  Per a court order, he has custody of the child every Wednesday night.

His mother-in-law, Cheryl Hepner, 66, met him outside with the boy’s pillow and bag.  Hepner told Miglino that his father-in-law wanted to speak with him inside. Miglino refused to go into the house and asked for the pillow and bag.

Hepner pulled a handgun from behind the pillow and fired three shots at her son-in-law. Wounded in his ribcage and shoulder, Miglino landed on top of Hepner in the front yard.

On the recording, Miglino is heard screaming, “I can’t believe you did that. I can’t believe you shot me.” Hepner uses profanity and repeatedly tells him to get off her.  

When Broward Sheriff’s Office deputies arrived, Hepner told them that Miglino tried to shoot her but she knocked the gun out of his hand, picked it up and shot him instead.

Tamarac Fire Rescue transported Miglino to Broward General Hospital, where he was treated and released. Hepner was taken into custody Thursday night and charged with attempted first-degree murder. She is being held in BSO’s Main Jail pending an appearance before a magistrate.

Court records indicate that Miglino and his wife Vicky married five years ago.  A number of domestic violence and family court cases are pending at this time.

The full iPhone video and 911 calls can be heard/viewed at: http://bit.ly/vlb4GF

Lauderhill Police Officer Shoots at Colleague: Goes for Pizza


WPLG Channel 10

A Lauderhill police officer allegedly shot at another officer Saturday, but missed.

Detectives said the shooting happened after 7 p.m. in the 5600 block of West Oakland Park Boulevard. The shooter sped off in an unmarked car.

The officer who was shot at was on-duty at the time, sitting in a marked police car.

Sources report that the shooting stems from a domestic situation between the two officers. Allegedly, the female officer who was targeted had broken up with the shooter early Friday.

After a three hour manhunt, Davie police and the SWAT team arrested the unnamed Lauderhill officer inside a pizza shop at 14800 Griffin Road, in Davie.

“He ordered two slices,” said Sam Karia, a witness. “He was buggin’ out on the phone. Actually someone heard him crying on the phone to somebody.”

When the SWAT team entered the pizza shop, witnesses say the officer prepared for the takedown. “He told us all to hide in the back, away from the windows,” another witness stated.

The officer who allegedly fired the shot was taken into custody by Davie officers and turned over to Lauderhill authorities.  Detectives have not released the name of either officer involved.

“Charges are pending and the officer involved has not been transported downtown,” stated Capt. Constance Stanley of the Lauderhill Police Department.  “The department will be issuing a statement later this morning better detailing the incident.”

Davie police’s Special Response Team “apprehended a subject that was sought after by the Lauderhill Police Department,” Davie Sgt. Christopher Chastain said.  He referred questions to Lauderhill police.