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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