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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Apex Credit Services – Best Credit Repair

We at Apex Credit Services wanted to take a moment to clear the air regarding some mis-information that has been disseminated about us on the web. 

First, we no longer have a branch in Nashville, Tennessee and do not operate there in any fashion.  The Better Business Bureau states to contact the Nashville chapter.  Do not for we have contacted that chapter and informed them we no longer have a branch within Tennessee. 

All communications should go to the Greater West Virginia chapter however, please contact us first so that we have the opportunity to work with you.  You may contact Apex Credit Services by any means listed upon our website at http://www.apexcreditservices.com and rest assured, we will do our very best to work through any issues you may have.  We can be reached toll-free at 888-727-4815 from 9:00 a.m. until 5:00 p.m. EDT.  If we miss your call, please ensure that you leave a voice message and we will return your call in one business day.  We do receive a high volume of calls and we do not interrupt calls which we are currently fielding.  Accordingly, you call may go to our voice messaging system.  You can also reach us at Apex Credit Services, LLC anytime at info@apexcreditservices.com or at our mailing address of 2928 Phillips Street, South Charleston, West Virginia 25303.

Second, the Better Business Bureau states that Apex Credit Services is an advance fee credit repair organization.  We are most certainly not.  Our payment system is simplistic in that any and all client funds go into a trust account until our services are performed.  Apex Credit Services does not receive any funds until our services our performed.

Third, the Better Business Bureau has stated that our “license” was terminated.  Again, this is not true because Apex Credit Services does possess a valid credit services organization license and the same was issued by the State of West Virginia. 

Technorati Tags: Apex Credit Services,Apex Credit Services LLC,Credit Repair,Best Credit Repair

Apex Credit Services – Best Credit Repair

We at Apex Credit Services wanted to take a moment to clear the air regarding some mis-information that has been disseminated about us on the web. 

First, we no longer have a branch in Nashville, Tennessee and do not operate there in any fashion.  The Better Business Bureau states to contact the Nashville chapter.  Do not for we have contacted that chapter and informed them we no longer have a branch within Tennessee. 

All communications should go to the Greater West Virginia chapter however, please contact us first so that we have the opportunity to work with you.  You may contact Apex Credit Services by any means listed upon our website at http://www.apexcreditservices.com and rest assured, we will do our very best to work through any issues you may have.  We can be reached toll-free at 888-727-4815 from 9:00 a.m. until 5:00 p.m. EDT.  If we miss your call, please ensure that you leave a voice message and we will return your call in one business day.  We do receive a high volume of calls and we do not interrupt calls which we are currently fielding.  Accordingly, you call may go to our voice messaging system.  You can also reach us at Apex Credit Services, LLC anytime at info@apexcreditservices.com or at our mailing address of 2928 Phillips Street, South Charleston, West Virginia 25303.

Second, the Better Business Bureau states that Apex Credit Services is an advance fee credit repair organization.  We are most certainly not.  Our payment system is simplistic in that any and all client funds go into a trust account until our services are performed.  Apex Credit Services does not receive any funds until our services our performed.

Third, the Better Business Bureau has stated that our “license” was terminated.  Again, this is not true because Apex Credit Services does possess a valid credit services organization license and the same was issued by the State of West Virginia. 

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Credit Repair and the Better Business Bureau

Many chapters of the Better Business Bureau have automatically given credit repair organizations “F” ratings simply because they are, well, credit repair organizations.  These chapters say as much in their explanation for their reviews.  Specifically, the aforesaid Better Business Bureau chapters state: “BBB concerns with the industry in which this business operates.”

It is inherently unfair to give a business an “F” rating and thereby, damage a businesses reputation simply because the Better Business Bureau is “concerned” with the industry in which a business operates.  Credit repair organizations provide a valuable service to consumers who would otherwise not be offered credit or high interest rates due to inaccurate items on their credit reports which falsely lower their scores.  Not all credit repair organizations are “scams” which is precisely what the Better Business Bureau is implying by their statement.

One BBB chapter, however, ironically gives the credit repair organization Lexington Law an A- rating.  This is despite the fact that they have 272 consumer complaints within the last 36 months.

This is hard to reconcile to say the least.  In short, please note that not every word from the Better Business Bureau should be taken as the gospel and members pay for inclusion.

For more on this topic, please visit an unbiased website that offers their opinion on the practices of the Better Business Bureau at http://www.the-top-tens.com/members/credit-repair/blog/bbb-ratings-credit-repair-companies-2674.asp.

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