| ABOUT SERVICES |
 | |
WHAT IS CREDIT REPAIR?
In general terms, the Fair Credit Reporting Act (hereinafter, the "FCRA") empowers consumers with the statutory right to dispute with the credit reporting agencies inaccurate, incomplete, and/or obsolete information appearing on their credit reports. Pursuant to the FCRA, the credit reporting agencies must investigate consumer disputes and contact the furnisher of such erroneous information in order to verify the accuracy of the tradeline. Within thirty (30) days, the furnisher must verify the tradeline or update it so that it becomes accurate. If they do not, it must be deleted.
Sounds easy enough, right? Unfortunately, the process is tedious for the individual consumer and the credit reporting agencies have devised instrumentalities which have further frustrated the intent of the FCRA. While consumers certainly have the legal right to challenge entries wrongfully displayed upon their reports, the dispute process is confusing, inordinately time consuming, and ultimately, produces little results. At best, credit repair on one's own can yield marginal progress and at worst, it can make matters far direr.
The reasons above are precisely why consumers should consider Apex Credit Services for their credit restoration needs. We have successfully removed inaccurate, incomplete, and/or obsolete items from consumer reports countless times in the past and we continue to do so today. At Apex Credit Services, we have the knowledge necessary to bypass the typical roadblocks thrown at individual consumers and we get the results you desire without any of the accompanying frustration. Still better yet, we do this all for far below the industry standard.
COLLECTION AGENCIES CALLING, WHAT DO I DO?
Collection agency abuse and harassment is a serious problem in the credit industry today. Too many times, consumers are blindsided by letters or phone calls from unknown entities demanding that they immediately remit payments which they are not legally entitled to collect. The process is frightening and humiliating for the typical unsophisticated consumer.
At Apex Credit Services, we use the Fair Debt Collection Practices Act (hereinafter, the "FDCPA") to stop abusive phone calls from collection agencies. In invoking the FDCPA on behalf of our clients, we accomplish this in a matter of days. It is that simple. Once you retain our services, you can feel free to pick up your phone without wondering who it is or what they want.
SHOULD I PAY OFF MY DELINQUENT DEBTS?
No one should ever counsel you to avoid fulfilling your financial responsibilities. However, no one should ever counsel you either to pay something you're not sure you owe or to pay someone you don't know.
We at Apex Credit Services implore our clients to stay current on all their obligations. However, it is not uncommon for unscrupulous collection agencies, as well as the exponentially increasing number of debt purchasers, to bully consumers out of their hard earned money. Because of this trend, we compel collection agencies and debt purchasers to prove up what they allege our clients owe. This seldom occurs and given that fact, we typically get these matters resolved without our clients paying anything. In the majority of cases, no further collection activity is made whatsoever after we become involved. Furthermore, we are usually successful in removing any associated collection tradeline appearing on our clients credit reports as well.
In terms of delinquent accounts still owned by original creditors, Apex Credit Services works on the behalf of our clients to get the lowest settlement possible. Generally, we can secure settlements for as low as fifty (50) cents on the dollar. Of course, all derogatory history is sought removed from the creditors' associated tradeline.
WHY IS MY INTEREST SO HIGH?
Unfortunately, the answer for most consumers today is the same: creditors are increasingly predatory. Most creditors charge interest rates far in excess of the usury laws imposed in the jurisdictions of their customers. Most debtors feel that they are simply cornered into paying interest that amount to little more than legalized loan sharking. However, in most cases, there is indeed something that can be done to lower your interest rates.
Here at Apex Credit Services, we utilize the Fair Credit Billing Act (hereinafter, the "FCBA") in an innovative fashion to reduce interest rates for our clients. We use the FCBA to work with credit card issuers and retail account servicers frequently. It is not unusual for us to secure rate reductions anywhere between five (5) and ten (10) percent for our clients and all within as little as a months time. Even on a small balance, this saves our clients a considerable amount of money which they would have otherwise thrown away on usurious interest charges.
I NEED MONEY FOR MY BUSINESS, BUY MY CREDIT IS BAD...
Many times new businesses fail simply because they lack the necessary start-up capital. People commonly presume that because their personal credit status is less than sterling, they cannot obtain credit in the name of their business. This presumption could not be more erroneous. Conversely, establishing business credit is a viable alternative to those with poor personal credit histories. However, the process of building business credit can be just as perplexing as those issues presented in compiling positive personal credit histories.
At Apex Credit Services, we guide new businesses and their proprietors, partners, or officers through the ins and outs of establishing credit. Increasingly as of late, we have been able to procure exceptional credit lines for our business clients without any personal guarantee.
|
|
|
