Apex Credit Services offers the best seasoned tradelines in the credit repair industry today. The reason is simple: 1) our methods are simplistic, thus, they work; and, 2) our founder and owner, Jason Wade Barnette, Esq., has litigated in the area of consumer protection and thereby, knows the ins and outs of credit scoring.
Our methodology as to adding aged, positive seasoned tradelines on your credit reports is, again, extremely simplistic and easily explained below. More importantly, it is legal.
A brief synopsis of how the process works is as follows:
1) There are three main elements to a credit score; a) overall history, b) payment history; and, c) utilization. By and large, history is calculated in terms of your oldest "open" account. Closed accounts do account for some percentage however, only accounts which are currently open can accrue points now. Closed accounts do nothing in terms of increasing scores. Open accounts are also used to calculate payment histories.
2) We achieve amplifying the above elements upon your credit reports by adding you to seasoned tradelines which are simply revolving accounts; i.e., credit card accounts. These accounts are held by persons whom our owner graduated law school with, college with, staff, our friends, and family members. All of Apex Credit Services seasoned tradeline additions exhibit perfect payment histories. They are maintained for the explicit purpose of our clientele.
Once more, all in all the process is extremely simplistic. We contact the creditors and request your addition to the accounts in question. Generally, within 30 to 45 days, the creditors report those accounts to your credit reports although it can take up to 90 days pursuant to our Agreements. While the extreme exception rather than the general rule, if they do not report within 90 days you shall be entitled to a refund.
3) The seasoned tradelines appear on your reports. The date opened is the date the account was opened, not the date you were added. The credit limit is reported. The payment history is reported. It is scored as if it were your own account. By virtue of this, your scores can increase significantly and rapidly (usually within 30 days).
Of course, you cannot use the account nor do you receive a card. In essence, you are paying for the score increase which is the goal behind the process ultimately. If you are concerned about the whole "FICO 08'" phenomenon, please note that it is an illegal model which is not in effect and will not be. Fair Isaac released a press release that authorized users would be scored just the same as always and just the same as accounts which individual designations. Of course, we at Apex Credit Services had predicted this outcome before any other credit service organization inasmuch as the FICO 08' model ran afoul of the Equal Credit Opportunity Act. For more on that subject, visit our site at http://www.apexcreditservices.com and click "FICO 08'" or simply Google "FICO 08' and ECOA."
If you’re interested in increasing your credit scores rapidly and legally, contact Apex Credit Services at http://www.apexcreditservices.com or toll-free at 1-888-727-4815. In addition, feel free to contact us by submitting an online application at https://apexcreditservices.com/signupform.cfm?CFID=1441736&CFTOKEN=39031577.
