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CONSUMER CREDIT REPAIR
At Apex Credit Services, we contest inaccurate information appearing within derogatory tradelines as well as vital information that is often omitted from such tradelines. Our staff has combed through countless credit reports, engaged in litigation against the credit reporting agencies as well as furnishers of information, and, thereby, we have gained the expertise that others in the industry simply lack.
Other large companies; i.e., dispute mills, do not have the expertise to pinpoint erroneous information because their staff is typically poorly trained, if at all. Often times, these companies simply dispute the tradelines in question with the dreaded "not-mine" attack. This does more harm than good for the client and leaves little redress when the information is verified.
As a client of Apex Credit Services, you tell us about the accounts which you believe are inaccurate, incomplete, and/or obsolete. You tell us what it is that makes you feel the tradeline is erroneous. We then assist you with locating an incorrect piece of information within the tradeline and draft your dispute accordingly. Only if the account is truly not that of our client do we issue "not-mine" disputes. This is our policy because a not-mine dispute requires the furnisher of information to match only a cursory data to verify that it belongs to a consumer. Disputing other specific information yields a higher percentage that the tradeline will be deleted.
Our Consumer Credit Repair service, standing alone, is highly effective inasmuch as we utilize the Fair Credit Reporting Act (hereinafter, the "FCRA") to compel tradeline deletion. By invoking the FCRA, we have successfully removed bankruptcy listings, accounts included in bankruptcy, judgments, foreclosures, repossessions, charge-offs, late payments, etc. There is no reason to feel embarrassed by your past credit history . . . even if it is truly your own. Simply because payments were missed does not give furnishers of information the right to report erroneous information in retaliation.
At Apex Credit Services, we do our best to see that information is reported to the maximum extent possible and that the credit reporting agencies employ reasonable procedures to ensure that it is. We are not concerned with your credit past, but rather, only improving your current credit standing by making sure your reports are accurate and complete.
If, however, you retain Apex Credit Services and we are unable to remove the targeted tradelines, we will then refer the matter, if so warranted, to a consumer attorney licensed to practice law within your jurisdiction. This is truly where our credit repair services stand out from that of our competition.
Be forewarned that there are many credit repair "law firms" on the horizon in today's industry and it is truly one of the largest, if not the largest, misrepresentations made to consumers seeking to improve their credit. Credit repair law firms do not represent you because they cannot legally do so absent being licensed to practice law within your jurisdiction. Do not be fooled into believing that an actual attorney is drafting your dispute communications or that they will institute a civil action on your behalf if a credit reporting agency or a furnisher of information fails to comport with the FCRA.
At Apex Credit Services, we do not imply that we offer such services. However, we will refer your issue to a reputable consumer attorney licensed within your jurisdiction who may assist you with litigating your claim.
With that said, please refer to our application page if you would like to retain Apex Credit Services to assist you in your credit restoration. As always, after your application is submitted, Apex Credit Services will contact you to make a recommendation as to what is your best course of action free of charge.
BUSINESS CREDIT
Apex Credit Services' "Business Credit" is a unique service within today's credit consultation industry. Establishing business credit is a confusing and frustrating process. In truth, most people who own businesses have no idea how to obtain credit or if they do have business credit, what type of credit rating their business possesses.
We assist existing business owners who seek to establish credit through their business. We also assist those clients who already have business credit maximize their Paydex and Experian scores as well as help rehabilitate the histories of those clients who have had some difficulties in the past.
Additionally, we help those clients with poor personal credit histories establish accounts through their business which effectively counteracts their inability to attain personal accounts. We have found that excellent business credit accounts are obtainable even by those persons with severely damaged personal credit. Therefore, this process is a viable, albeit unknown, alternative for those clients with poor credit.
Rest assured that whatever your situation, Apex Credit Services can establish, procure, and maintain your business credit needs. If you are interested in retaining Apex Credit Services, please refer to our application page. As always, after your application, Apex Credit Services will contact you to make a recommendation as to what is your best course of action free of charge.
COLLECTION AGENCY ABUSE
Collection agency abuse and harassment is unfortunate but, common occurrence. In today's economy, one can lose their job at the drop of a hat. To make matters even worse, consumers who face economic difficulties through no fault of their own can expect collectors to ring their phones off the hook demanding payment. Even after such consumers financially recover, they come to find that their credit reports have been unduly damaged by collection tradelines.
At Apex Credit Services, we provide assistance to those clients currently experiencing collection agency harassment. We also help those clients who have previously experienced the process but whom now would like to have the erroneous collection information which was left behind removed from their credit reports.
We use the Fair Debt Collection Practices Act (hereinafter, the "FDCPA") to help clients being currently harassed by collection agencies. If you are receiving incessant phone calls from bill collectors, we have the solution. Once you retain our service, the phone calls will stop in a mere matter of days. If the collection agency in question keeps calling, we will refer the matter to a consumer attorney located and licensed to practice law in your jurisdiction free of charge. Quite simply, no other provider in the credit consultation industry offers this referral service.
Apex Credit Services can also assist you even if you no longer receive collection calls, but are still receiving dunning notices from collection agencies or have collection tradelines on your credit reports. We help clients in your situation by invoking the FDCPA on their behalf. If you are receiving collection attempts, we make those agencies validate what they allege you owe. If they cannot, in the vast majority our clients never hear them again. In the rare cases in which collection agencies properly validate our client's debts, we often negotiate tradeline deletion in exchange for settlement. Again, no other company in the credit consultation industry offers this invaluable service.
Even if you have already paid your collection accounts, Apex Credit Service can assist you in having the corresponding tradelines removed from your credit reports. It is a misconception held by many consumers today that a paid collection account is somehow better than an unpaid collection account, however, both are considered derogatory tradelines. As a part of our credit repair service, we have successfully removed erroneously paid collection accounts from our client's credit reports and we can do so for you as well. If, however, we attempt to remove such erroneous tradelines and they are nonetheless verified, Apex Credit Services will ensure that the accounts are at least marked in a fashion so that they are not calculated in your FICO score or we will refer the matter to a licensed consumer attorney located within your state. No other firm within the industry will provide you with a similar service.
If you are interested in retaining Apex Credit Services to assist you in putting the collection agencies to bed, please consult our application page. As with all our services, after your application, Apex Credit Services will contact you to make a recommendation as to what is your best course of action completely free of charge.
ATTORNEY REFERRAL
Apex Credit Services attorney referral service is the only one of its kind offered in the credit restoration and consultation industry today. Far too often, consumers in need of credit repair sign up with credit repair "law firms" which imply that they "represent" them in some fashion. This misrepresentation could not be further from the truth and this is often only learned by the affected consumer when they are left high and dry with a still damaged credit report.
At Apex Credit Services, we offer our complimentary attorney referral services to all our clients who retain our services. While we do our best, we cannot guarantee how furnishers of information will respond to our disputes sent directly to them or through the credit reporting agencies. In the same vein, we cannot guarantee how a collection agency or debt purchaser will respond to our request for validations or demand to cease communications. We do, however, guarantee that our disputes and requests our grounded in law and that if we cannot achieve the results you desire absent litigation, we will refer you to a licensed consumer attorney within your jurisdiction who will do so.
No other company within the industry today offers this service to their clients. At Apex Credit Services, we are proud to pick up where others leave off. If you are interested in retaining Apex Credit Services, please consult our application page. After your application, Apex Credit Services will contact you to make a recommendation as to what is your best course of action completely free of charge.
DEBT SETTLEMENT
As with most faucets of the credit industry, proper debt settlement on delinquent accounts is a complicated and misrepresented process for most consumers. While it is only logical to think that paying off or settling a delinquent account is both the correct ethical and financial decision, that is not always so. In fact, making payment on certain types of accounts can actually further damage a consumers credit score. This is why we strongly encourage those persons contemplating paying their delinquent accounts to contact us before doing so.
At Apex Credit Services, we evaluate our client's situation before rendering an opinion as to whether they should pay or settle their past due accounts. While all cases are factually different, many factors concerning a delinquent debt are considered. Such issues as whether the account is valid, still within the statute of limitations, who currently owns the account, whether the corresponding tradeline will be corrected or removed, etc., are all taken into account before we suggest payment should be issued.
In the event that Apex Credit Services can secure a favorable scenario for a client, it is not uncommon for settlement to occur for as low as fifty (50) cents on the dollar. Because we deal with creditors and collection agencies regularly, we have the necessary leverage to compel these types of arrangements for our clients. While not necessarily impossible for the individual consumer to attain an acceptable settlement in terms of a monetary expenditure, it is still a rare and frustrating purpose for those that do. Moreover, the issue of credit report damage is virtually never addressed when one acts on their own accord.
If you are interested in potentially saving money, avoiding further credit damage (in most cases actually improving your credit score) and unnecessary stress, we encourage you to visit our application page. After your application is submitted, Apex Credit Services will contact you to make a recommendation as to what is your best course of action completely free of charge.
INTEREST NEGOTIATION
At Apex Credit Services, we offer our clients the unique service of interest negotiation. As with most areas of the credit industry, unwary consumers are often lured into harmful situations with "debt management" or "consumer credit counseling" agencies under the false belief that somehow their credit will improve all while paying less per month. Of course, their credit does not improve and in some cases, it is actually further damaged because these agencies fail to remit payment to creditors in a timely fashion. Furthermore, consumers often find after entering into credit counseling plans with these agencies that their credit reports are notated with the facts that they sought such an arrangement. In the eyes of potential creditors, such a notation can be closely equated to bankruptcy.
Apex Credit Services does not engage in such practices. We do not act as a third party who you pay to pay your bills. We respect our clients too much to subject them to this type of treatment and frankly, such an arrangement is not required to lower your rates. If you retain our services, it is obvious that you are serious about your financial future and thus, you are entitled to be treated with a certain level of respect.
With that said, we utilize the Fair Credit Billing Act (hereinafter, the "FCBA") in an innovative fashion in order to lower your interest rates. While we contact your creditors directly, we do not tell them that you are engaged in a credit counseling program or that you are in financial turmoil. Using the FCBA, we are simply able to negotiate your rate on a level playing field. It is not at all uncommon for our clients to see reductions between five (5) and ten (10) percent applied to their accounts in less than a months time.
If you are interested to see what Apex Credit Services can save you in interest charges, feel free to refer to our application page. As with all our services, after your application, Apex Credit Services will contact you to make a recommendation as to what is your best course of action completely free of charge.
SEASONED TRADELINES
Many people with seemingly good credit to the average eye have abysmal FICO scores. Simply because a consumer has little to no derogatory listings does not mean that they necessarily have a good FICO score. As in the norm in the credit industry, FICO scores are determined by shrouded and perplexing factors which leave most consumers baffled.
Although confusing for consumers, do not be fooled into thinking there is nothing that can be done to boost your score. In fact, Apex Credit Services can often increase scores very quickly. Quick increases are particularly important for score driven processes such mortgage and auto loan applications. While it is possible to be approved for a mortgage or car loan with a poor score, generally speaking, the lower your FICO score, the higher your interest rates. Over the life of a loan, only a few percentage points in interest can amount to literally thousands of dollars. This is why it is advantageous to boost your FICO scores as much as possible before going house or car shopping.
Apex Credit Services assists our clients in optimizing their FICO scores using our intrinsic knowledge of the FICO scoring model that we have obtaining through operating within the field. In many cases, our clients simply need to alter there utilization a touch here or there. Often times, this simply means obtaining a few new credit lines which we also assist in procuring. More often than not, the new credit lines carry superior terms because we know the places to look that others do not.
Rest assured that if it is possible to quickly increase your FICO score, we at Apex Credit Services will find the way. Nothing satisfies us more than getting clients into new homes and cars . . . and with good rates. If you are interested in retaining Apex Credit Services to assist you in increasing your FICO scores, whatever your need may be for doing so, please consult our application page. As with all our services, after your application, we will contact you to make a recommendation as to what is your best course of action completely free of charge.
OBTAINING CREDIT
Sometimes obtaining credit accounts with acceptable terms, or at all, can be frustrating for consumers. This is especially true for those with little to no credit histories or for those with previous credit problems. While this is problem enough, the unsuspecting consumer can also render serious damage to their already fragile credit in blindly submitting application after application. While the rejection one feels with a seemingly endless stream of denials is indeed disheartening, experienced help can greatly increase the chance of finally getting those much desired approvals.
At Apex Credit Services, we assist our clients in successfully obtaining credit accounts which actually promote the desired end result. That is to say we do not burden our clients with predatory unsecured accounts that will charge them ridiculous fees. When you have operated within and researched the credit industry to the extent we have, you can offer better. We customarily attain credit accounts for our clients with prime lenders, not the bottom feeders of the credit industry which feed on so-called "sub-prime" consumers.
Our obtaining credit service is a valuable extension of the credit repair service we offer our clients. In essence, credit repair is a simple two fold process: 1) remove the bad and 2) as you qualify, attain new positive tradelines. Others in the credit repair industry simply attempt to remove the derogatory listings and pay no attention to the second step of the process. Here at Apex Credit Services, we carefully evaluate the progress of our client's credit reports and offer to establish positive tradelines for them. Of course, we do not submit applications without authorization or for accounts which we do not feel our clients would then qualify. We only attempt to open accounts that we feel confident that will approve our clients. In doing so, we, contrary to others in the credit repair industry, fulfill both steps of the credit restoration process.
We also assist our clients with established credit attain superior accounts to those they already have. This is a useful service for those persons who have balances on their current accounts but that have higher interest rates. In the past, Apex Credit Services has had great success finding balance transfer offers and consolidation loans for our clients. Again, our knowledge enables us to provide this unique service to our clients while other companies in the industry cannot.
Whatever your current stage in your credit endeavors, we at Apex Credit Services can help you along the way. We encourage you to visit our application page if you are interested in retaining our services. If you are interested in retaining Apex Credit Services to assist you in putting the collection agencies to bed, please consult our application page. As with all our services, after your application, Apex Credit Services will contact you to make a recommendation as to what is your best course of action completely free of charge.
CREDIT CONSULTATION
In certain cases, consumers simply do not know what is wrong with their credit scores and reports. This occurs more than one cares to imagine and for such instances, Apex Credit Services offers consultations wherein an overall analysis is performed and a course of action is then recommended.
In other cases, a consumer may know exactly what is wrong with their credit status, but does not know how to remedy the problem. It may be that such an individual is more comfortable in taking a hands on approach and do the actual work themselves. In cases as these, Apex Credit Services will inform these clients exactly what it is that needs to be done.
Whatever the situation, feel free to reference our application page should you wish to discuss your credit profile. After you submit your application, Apex Credit Services will contact you.
COMPLIANCE TRAINING
Litigation is an ever increasing cost of business in the debt collection and credit industries today. As such, it is necessary to train your workforce to the maximum extent possible to avoid these unnecessary expenditures.
Apex Credit Services offers an array of employee compliance training at reasonable costs. We provide a wide variety of written and video training materials for companies engaging in debt collection and credit reporting activities. We also offer live seminars for companies who seek to facilitate a higher degree of intensive training for their employees.
At Apex Credit Services, we provide compliance training in the Fair Debt Collection Practices Act. In essence, we teach your collectors to comport with the law so that you avoid costly litigation. This service is ideal for collection agencies, debt purchasers, and creditors in under the law of certain jurisdictions.
We also provide compliance training in both the Fair Credit Reporting Act and the Fair Credit Billing Act. In short, we teach your data entry specialists how to properly input consumer payment histories under the Metro 2 format as well as how to respond to consumer disputes utilizing ACDV forms via E-Oscar. This service is an excellent resource for creditors, collection agencies, credit reporting agencies, or virtually any company exchanging or storing consumer information.
Whatever your training needs, Apex Credit Services can provide the service you need. After submitting your application, Apex Credit Services will contact you to make a recommendation as to what is your best course of action completely free of charge.
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