Apex Credit Services has been in the credit repair business for a long time. This is for good cause . . . we’re the best credit repair service organization in the United States today. This is because of: 1) our unique credit repair methodology; and, 2) our founder and owner, Jason Wade Barnette, Esq., is a licensed attorney which focuses on consumer protection litigation under the auspices of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Accordingly, our credit repair program entails addressing the derogatory items on consumer credit reports. While it is true that "anyone can dispute items" as that is provided under the Fair Credit Reporting Act ("FCRA") there is some skill and knowledge involved when going about the attempt of removing items; specifically, with respect to the debt collectors and debt purchasers reporting on your consumer disclosures. In reality, it isn't how many times an item is disputed rather, how it is disputed.
Our credit repair service is a two-prong attack wherein we submit written communications on our client’s behalf to both the credit reporting agencies (Equifax, Experian, and Trans Union) and the furnishers of information (companies reporting derogatory information) upon their credit reports. In our communications to the credit reporting agencies, we pinpoint specific inaccuracies within the account tradelines and request re-investigations thereof. We’re speaking of actual data fields such as date of major first delinquency, date of last activity, account type, etc. Unlike the larger dispute mills, we do this to afford you a better opportunity for deletion and secondly, to accrue violations of the FCRA and the Fair Debt Collection Practices Act ("FDCPA") for leverage later and in the event you wish for us to refer you to a consumer attorney (such as our founder and owner, Jason Wade Barnette, Esq., ) in your jurisdiction after the completion of our services.
We at Apex Credit Services also communicate with each furnisher of information which is reporting derogatory information on our clients credit reports. Again, these are the actual companies reporting the information and just not the credit reporting agencies. Communicating with the furnishers directly, whether it be via through the Fair Credit Billing Act, FDCPA or the Fair and Accurate Credit Transactions Act amendments to the FCRA ensures a better chance for deletion and as well, will likely give you a cause of action under the both the FCRA and the FDCPA should you wish us to refer you to a consumer attorney after we reach a conclusion to our services.
If you’re interested in professional and effective credit repair then contact Apex Credit Services at http://www.apexcreditservices.com or toll-free at 1-888-727-4815. In addition, feel free to submit an online application at https://apexcreditservices.com/signupform.cfm?CFID=1441736&CFTOKEN=39031577.
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