Target data breach – free credit monitoring and identity theft insurance


William E. Lewis Jr, Target Data Breach
Target data breach results in free credit monitoring for all customers

Expect more, pay less has brought new meaning as Target announced this week how shoppers can enroll in a free credit monitoring and identity theft protection service in the wake of a massive data heist.

According to a specially dedicated website, the retailer will offer customers the service for one year.

Target customers can register for the service — regardless whether they have been personally affected by the theft of customer data records at the discount store chain.

Step-by-step instructions on how to enroll in the Target credit monitoring program.

The announcement comes after Target revealed last week that the massive security breach may have affected up to 110 million of its customers during the holiday shopping season and included more types of confidential information than previously disclosed.

Target had previously reported that about 40 million credit and debit cards may have been affected by the breach that occurred between Nov. 27 and Dec. 15.

“I know that it is frustrating for our guests to learn that this information was taken and we are truly sorry they are having to endure this,” stated Gregg Steinhafel, chairman, president and chief executive officer for Target in a written statement. “I also want our guests to know that understanding and sharing the facts related to this incident is important to me and the entire Target team.”

While continuing to investigate, Target now indicates that an additional 70 million customers were impacted by the theft of their names, phone numbers, and email and mailing addresses. Some of the information stolen in the data breach belonged to customers who shopped before the holiday season.

“They all claim to care about protecting us from identity theft, but their very similar privacy policies don’t appear to support these claims,” stated Denise Richardson, herself a victim of identity theft and author of “Give Me Back My Credit.” “It’s difficult to believe they are as interested in protecting our personal info as they are in protecting their business model in an ecosystem comprised of undisclosed partners, affiliates, vendors, alliances, resellers and contractors who, along with any other undisclosed third party they warn they buy, sell or share our data with.”

Surpassing an incident uncovered in 2007 that saw more than 45 million credit and debit cards stolen from Marshalls and T.J. Maxx, the Target data breach is the largest reported ever for a retailer.

“Within a day of enrolling in the credit monitoring service, I received details to check my credit,” Remington Longstreth, a frequent Target shopper told Examiner. “I’m going to use this service to supplement what I already have to protect my good name and reputation in the community.”

In addition to the Target credit monitoring service, impacted customers may also protect themselves from potential identity theft.

Periodically review your credit report

By keeping close tabs on your credit report, you can detect signs of identity theft early. If you find an account not opened by you and have identified it as fraudulent, enter a dispute directly with the creditor as well as with the credit reporting agencies of EquifaxExperian and TransUnion.

You can obtain a free credit report at www.annualcreditreport.com or 877-322-8228.

Place a 90-day initial fraud alert on your credit report

Contact the credit reporting agencies and request a 90-day initial fraud alert on your credit report. Not only will this trigger a free credit report but will advise potential creditors to investigate any application prior to issuing credit, goods, benefits and/or services.

Equifax can be contacted at 800-525-6285, Experian at 888-397-3742 and Trans Union at 800-916-8800. Be sure to renew the alert every three months.

Freeze your credit report

Identity thieves are frozen in their tracks without access to your credit report as potential creditors will not have access to your credit history. In most states, you are entitled to temporarily “freeze” access to your credit profile without cost if you are over 65 years of age or are a verified victim of identity theft. All others may be required to pay a small fee. Without access to your credit report, a responsible lender will not issue credit.

Stop unsolicited credit card offers

Opting out at www.optoutprescreen.com or 888-5OPT-OUT will stop most unsolicited pre-approved applications and reduce the incidence of identity theft. Opting out refers to the process of removing your name and address from lists supplied by the Equifax, Experian, Trans Union and Innovis credit reporting agencies to be used for firm (preapproved/ prescreened) offers of credit or insurance.

“Freezing our credit and keeping a vigilant eye on our accounts ourselves continues to be the only way we have any control over our data, at least until there is far more transparency and a lot less sharing of data,” concluded Richardson.

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.

Thanksgiving week on AM 740 WSBR and The Credit Report with Bill Lewis


Interesting guests and timely topics will be on AM 740 WSBR and AM 1470 WWNN Thanksgiving week and The Credit Report with Bill Lewis.

As a daily forum for business and financial news, politics, economic trends, and cutting edge issues, The Credit Report with Bill Lewis can be found on AM 740 WSBR in south Florida. Hosted by Bill Lewis, the show broadcasts live weekdays at 7am.

Originally launched on AM 1400 WFTL in 2004, as the “Credit Restoration Consultants Hour,” Bill Lewis provided self-help tips and advice regarding credit repair, finances, and related topics. Throughout the years, Bill’s show strayed from the original concept of providing financial awareness to his listeners.

In an effort to strengthen his listener base and to broaden the topics hosted, Bill launched The Credit Report with Bill Lewis upon moving to AM 1470 WWNN within the Beasley Broadcasting group.

Listeners were searching for help regarding a myriad of topics from credit repairextreme coupon shopping, and foreclosure matters, but welcomed the political format that Bill introduced locally to a south Florida audience.

Since the show’s inception, Bill Lewis has interviewed some of the country’s leading politicians, including: Rudy Giuliani, John McCain, Herman Cain, Chris Christie, Jon Huntsman, Allen West, Rick Scott, George LeMieux, Jeff Atwater, Pam Bondi, Marco Rubio, Sharon Day, Alex Sink, Adam Putnam, Charlie Crist, Bill McCollum, Jeff Kottkamp, Jennifer Carroll, Christine O’Donnell, among others.

In addition, The Credit Report with Bill Lewis has hosted a number of politicians as well as attorneys and financial experts in the south Florida area. Among the dozens that have appeared on the show are Carlos Reyes, Al Lamberti, Chip LaMarca, Adam Hasner, Ellyn Bogdanoff, Tom Rooney, Roger Stone, Bob Davids, Lori Parrish, Richard Denapoli, Rico Petrocelli, Jamie McDonnell, Jim Lewis, Tom Lauder, and John Contini.

The Credit Report with Bill Lewis airs live, Monday through Friday from 7am-8am Eastern Time with an encore presentation Saturday’s at 3pm on AM 740 WSBR. Streaming audio is available at http://www.wsbrradio.com and on air participation is welcome at (888) 721-0074.

If you miss the early broadcast, The Credit Report with Bill Lewis is still available weeknights at 9pm Eastern Time, Saturday’s at 6pm and Sunday’s at 8pm on AM 1470 WWNN by streaming audio at www.wwnnradio.com.

Going head-to-head against Steve Kane and Jimmy Cefalo, Bill Lewis promises more “talk” and fewer commercials.

For daily updates on The Credit Report with Bill Lewis, you can join Bill’s 21,950 plus fans on Facebook at: http://www.facebook.com/thecreditreportwithbilllewis.

William E. Lewis Jr & Associates announces the formation of a credit repair component


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 credit repair component.

Facing uncertain economic times, Bill Lewis – formerly with Credit Restoration Consultants – has been widely sought by many in the restoration of their personal credit worthiness.

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.

In tough economic times, your good name and reputation is more important than ever. 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.

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.

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 small 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 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 tradelines, 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 Commission at 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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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.

The Credit Report with Bill Lewis airs live, Monday through Friday from 7am-8am Eastern Time with an encore presentation Saturday’s at 4pm on AM 740 WSBR. Streaming audio is available at http://www.wsbrradio.com and on air participation is welcome at (888) 721-0074.

If you miss the early broadcast, The Credit Report with Bill Lewis is still available weeknights at 9pm Eastern Time, Saturday’s at 6pm and Sunday’s at 8pm on AM 1470 WWNN by streaming audio at http://www.wwnnradio.com.

For daily updates on The Credit Report with Bill Lewis, you can join Bill’s 35,550 plus fans on Facebook at: http://www.facebook.com/thecreditreportwithbilllewis.

Talk Show Host Steve Kane Never Far from the Action as Bank Robbed


Never far from the center of action was local radio talk show host Steve Kane as a masked gunman held up a busy Cooper City Bank of America branch shortly after 4 p.m. Thursday afternoon.

The gun-wielding robber walked into the branch located at 5504 South Flamingo Road and demanded money from a bank employee after jumping the counter.

No shots were fired and no one was hurt in the robbery, according to the Federal Bureau of Investigation.

The FBI declined to disclose how much money was stolen from the Bank of America branch.

The gunman – identified by customers as an African-American male – left the bank in a light blue Toyota Camry with a Florida license plate of S369YU.  According to the FBI, the Camry had been reported stolen on Wednesday.

A dye pack exploded inside the car, which would have stained the money, the car’s interior and, possibly, the robber’s skin and clothes, officials reported.

“It was a very scary experience,” said Steve Kane, host of The Steve Kane Show on AM 1470 WWNN.  “With $1,700.00 cash in hand and wearing an NYPD police hat, I thought better than to get involved.” 

If anyone has information on the identity of this bank robber, they are urged to contact the FBI at 305-944-9101 or Broward County Crime Stoppers at 954-493-TIPS.  Remember, you can remain anonymous and may be eligible for a reward of up to $1,000.00.