Apex Credit Services

Apex Credit Services, LLC has been consistently rated in the top ten credit repair services in the country for the last five years.  See The Top Ten.  By extension, we also offer the best seasoned tradelines.

We have recently reduced our pricing and began to offer installment plans to meet the conditions of this stagnant economy.  In addition, we would also like to remind consumers in the market for a mortgage that most lenders, including FHA backed products, have reduced the mid-score threshold back to a 580.

Please contact us at The Best Seasoned Tradelines or toll-free at 1-888-727-4815 for all your seasoned tradeline needs.

Apex Credit Services, LLC has been consistently rated in the top ten credit repair services in the country for the last five years.  See The Top Ten.

We have recently reduced our pricing and began to offer installment plans to meet the conditions of this stagnant economy.  In addition, we would also like to remind consumers in the market for a mortgage that most lender, including FHA backed products, have reduced the mid-score threshold back to a 580.

Please contact us at The Best Credit Repair Services or toll-free at 1-888-727-4818 for all your credit repair needs.

Many websites purport that one can perform credit repair services for themselves.  This is true in that the Fair Credit Reporting Act enables consumers to dispute items on their consumer credit disclosures.  However, credit repair is often very time consuming and frustrating.  Moreover, if you do not know what it is your disputing or how to dispute it, you can do more harm than good.

Some websites state that credit repair organizations cannot do anything for a consumer that they cannot do themselves.  Well, that is a mischaracterization.  While it is true that you can dispute any item on your credit reports, do you know what to look for in terms of data fields which may be inaccurate and/or incomplete?  Do you have the time to learn or the desire to do so?  Apex Credit Services knows precisely what to look for and we request re-investigations predicated upon the same. 

Most importantly, some websites explicitly state that accurate information cannot be removed.  Although, that is somewhat true, what is “accurate” and complete information?  Most would lead you to believe that if the item belongs to you, it’s accurate.  That is fault.  Simply because an account tradeline is yours does not mean it is accurate.  At Apex Credit Services, LLC, we do not submit “not mine” or “never late” disputes.  They don’t work and do not lead to a violation of the Fair Credit Reporting Act of Fair Debt Collection Practices Act.  Instead, we perform like a professional credit repair organization wherein we dispute data fields such as date of major first delinquency, account status, account history, and field which may be blank, etc.

For more information or to enroll in professional credit repair services, please contact us at http://www.apexcreditservices.com or toll-free at 1-888-727-4815.  Rest assured, we would not be ranked in the top ten credit repair organizations if we were not good at what we do.  See http://www.the-top-tens.com/lists/best-credit-report-repair-services.asp

Despite the misinformation on the internet, authorized user seasoned tradelines still work.  Please read below:

Press Release
Source: Fair Isaac Corporation
Fair Isaac Innovation Will Restore Authorized User Accounts to Calculation of FICO 08 Scores
Thursday July 31, 1:53 pm ET
In a prepared testimony, Tom Quinn, Vice President of Global Scoring Solutions for Fair Isaac Corporation states:
"After consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user tradelines present on the credit report in the FICO 08 model."

Please contact us at Apex Credit Services at http://www.apexcreditservices.com or toll-free at 1-888-727-4815 for more information regarding raising your credit score.