Best Seasoned Tradeline Service

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.

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Credit Repair – Do You Want To Do It Yourself?

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

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Apex Credit Services Seasoned Tradelines

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.

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Apex Credit Services Credit Repair

Apex Credit Services LLC is the leader in professional and individualized credit repair.  We wouldn’t be ranked as a top ten credit repair organization in the country if we were not prodigious at credit repair.  See The Top Tens.

The first and perhaps, the most important things to remember about your credit repair efforts is to contact the credit reporting agencies and remove all obsolete addresses and name variations.  Under the Fair Credit Reporting Act, the credit reporting agencies are required to remove inaccurate information – all inaccurate information.  Removing old addresses and name variations is vital to the success of your credit repair efforts for furnishers of information often use these inaccuracies to verify erroneous information with the credit reporting agencies.

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Apex Credit Services – No Monthly Fees

Many credit repair organizations will offer you preposterous low monthly fees in order to entice you to enroll in their credit repair services.  As with any thing in life, you get what you pay for.  These credit repair organizations only dispute a few derogatory items per each request for reinvestigation.  This is so they can bilk you out of a fee each month for as long as they can.  Even worse, they will misrepresent that disputing any more than two or three derogatory items will get you “flagged” by the credit reporting agencies.  This is simply not true.

 

At Apex Credit Services, we do not charge you a monthly fee, set up fee, and we certainly don’t dispute just a few derogatory items at a time.  Our credit repair services entail the request for re-investigations of all derogatory items at once.  These requests are sent to the credit reporting agencies.  We also contact all furnishers of information.  In truth, it is not how many items that are disputed that will raise the eyebrows of the credit reporting agencies rather, it is how many times a particular item is disputed and how it is disputed. 

We at Apex Credit Services do not issue “not mine” or “never late” type disputes.  Rather, we actually focus on the date fields within each tradeline which are actually inaccurate or incomplete.  We use our methodology in conjunction with our seasoned tradeline services to maximize your score increase.  Credit Repair is fairly simplistic: 1) attempt to remove as much inaccurate and/or incomplete information as possible; and, 2) add positive aged revolving tradelines in a legal fashion.  At Apex Credit Services, this is precisely what we do and we’ve been doing it well for years.

If you wish to speak with a credit repair organization that knows what they are actually talking about, contact us through our website at http://www.apexcreditservices.com or toll free at 1-888-727-4815.

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Apex Credit Services – Seasoned Tradelines

Despite what mis-information you may find on the web, authorized user designation seasoned tradelines have always increased credit scores and still do.  We at Apex Credit Services predicted that FICO 08’ would never be implemented and per the norm, we were right.  Fair Isaac itself has stated that authorized user designation seasoned tradelines will be scored per the following press release:

Apex Credit Services Proven Right About FICO 08

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."

At Apex Credit Services, we knew that Fair Isaac could not implement a model which did not calculate authorized user seasoned tradelines for it would run afoul of the Equal Credit Opportunity Act.  For more on this topic, please visit our website and click http://www.apexcreditservices.com/FairIsaac.cfm.

Accordingly, rest assured that authorized user seasoned tradelines do work and that we at Apex Credit Services are still the best provider of the same.  Please contact us for all your seasoned tradeline needs at http://www.apexcreditservices.com or toll free at 1-888-727-4815

 

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Apex Credit Services – More Positive Reviews

Apex Credit Services has earned yet more sterling reviews for our credit repair services.  Please visit http://www.the-top-tens.com/members/rob1045/blog/apex-credit-servces-excellent-cso-71.asp specifically and http://www.the-top-tens.com/lists/best-credit-report-repair-services.asp generally in order to learn more about us. 

Please note that The Top Tens is a completely “free” site in that no company must pay to be ranked.  This is in stark contrast to most other sites of this sort such as http://top-10-credit-repair.com/ which do charge a fee to companies in order to be in their rankings.

On The Top Tens, Apex Credit Services has also received outstanding reviews for its’ Seasoned Tradeline services.

Please contact us at http://www.apexcreditservices.com, info@apexcreditservices.com, or toll free at 1-888-727-4815.

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