Apex Credit Services

Best Seasoned Tradeline Service

noreply@blogger.com (Jason Barnette, Esq) — Wed, 31 Aug 2011 22:10:00 +0000

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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Best Credit Repair Service

noreply@blogger.com (Jason Barnette, Esq) — Mon, 27 Jun 2011 03:17:00 +0000

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.

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 lender, including FHA backed products, have reduced the mid-score threshold back to a 580.

Please contact us at The Best Credit Repair Services or toll-free at 1-888-727-4818 for all your credit repair needs.

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Credit Repair – Do You Want To Do It Yourself?

noreply@blogger.com (Jason Barnette, Esq) — Fri, 22 Apr 2011 17:01:00 +0000

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

noreply@blogger.com (Jason Barnette, Esq) — Sun, 17 Apr 2011 18:18:00 +0000

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

noreply@blogger.com (Jason Barnette, Esq) — Sat, 18 Dec 2010 20:17:00 +0000

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

noreply@blogger.com (Jason Barnette, Esq) — Thu, 25 Nov 2010 17:38:00 +0000

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

noreply@blogger.com (Jason Barnette, Esq) — Thu, 25 Nov 2010 16:53:00 +0000

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

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

noreply@blogger.com (Jason Barnette, Esq) — Wed, 24 Nov 2010 23:02:00 +0000

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

noreply@blogger.com (Jason Barnette, Esq) — Wed, 24 Nov 2010 22:34:00 +0000

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

noreply@blogger.com (Jason Barnette, Esq) — Wed, 24 Nov 2010 21:51:00 +0000

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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Best Seasoned Tradelines By Apex Credit Services

noreply@blogger.com (Jason Barnette, Esq) — Thu, 21 Oct 2010 03:26:00 +0000

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.

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Apex Credit Services – Best Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Wed, 20 Oct 2010 23:54:00 +0000

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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Seasoned Tradelines That Work

noreply@blogger.com (Jason Barnette, Esq) — Wed, 20 Oct 2010 22:11:00 +0000

Apex Credit Services has been in business for a long time. In our business, this is not easy to accomplish. Needless to say, we’ve been in business a long time for good reason . . . we accomplish what we say and do not promise unrealistic results.

Essentially since our inception, we’ve offer legal and effective seasoned tradelines. Our seasoned tradelines are affordable, legal, and most importantly, they can often rapidly increase your credit scores. Moreover, our seasoned tradelines will appear on your credit reports within typically 45 days or less.

Accordingly, if your in the market for obtaining a mortgage, auto loan, unsecured credit, etc., contact the seasoned tradeline experts 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=4920638&CFTOKEN=15515851

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Apex Credit Services, LLC – Mortgage Broker Services

noreply@blogger.com (Jason Barnette, Esq) — Mon, 22 Feb 2010 04:02:00 +0000

ABOUT APEX CREDIT SERVICES, LLC
Apex Credit Services, LLC is a boutique firm focused on consumer credit repair. Our services consist of repairing consumer credit reports along with the additions of positive revolving account tradelines commonly known as seasoned tradelines. Our primary place of business is located in Nashville, Tennessee, however, we serve a national clientele base.

We at Apex Credit Services, LLC have designed our services to integrate into the mortgage industry. That is to say, that our consumer credit repair services naturally lends themselves to mortgage professionals insofar as we enable people to qualify for loans through increasing their credit scores quickly. We have worked with mortgage brokers and loan officers across the country which has established Apex Credit Services, LLC credit repair services as a powerful instrument within the industry.

OUR SERVICES

More than 70% of consumer credit reports contain damaging errors. These mistakes frequently mean the difference between a successful loan closing and a rejection.

Apex Credit Services, LLC credit repair services are known as the best in the business. Please refer to our website for a description of Apex Credit Services, LLC's credit repair services for greater detail.

In addition, while we are the a nationally ranked credit repair organization we also recognize that effective credit repair is a two step approach. This is why we strongly advocate the addition of seasoned tradelines. Adding seasoned tradelines can dramatically increase a mortgage applicants score and get them to a lenders required mid-score threshold.

Please visit Apex Credit Services, LLC's website for more information concerning seasoned tradelines.

BROKER SERVICES
Apex Credit Services, LLC has implemented its broker services to ensure both ease and results for the mortgage professional. We interact directly with your clients in order to correct inaccurate, incomplete, and obsolete tradelines as well as improving all the other significant aspects of their credit files. As a result, your client returns with a higher credit score that meets or exceeds the threshold for approval.

Typically, the process takes roughly 90 days or thereabout. Your average client will then be able to qualify for your programs.

REASONS TO APPLY
Apex Credit Services, LLC credit repair services and our seasoned tradelines assists both clients and mortgage brokers. Refer to just a few of the reasons to apply . . .

Broker Benefits:

Additional commissions: Sign the loans you could not have without restoration of client reports,
Declination alternatives: While a client may not qualify, send them to Apex Credit Services, LLC. Thereafter, your previously declined client will qualify,
Refinance Marginal Approvals: Were you only able to secure your client a sub-prime note? Send them to us and then secure new financing on better terms,
Broaden your Horizon: As you refer clients to Apex Credit Services, LLC, you see qualified applicants return months into the future.
Free Marketing: Each occasion we speak with clients in our credit repair program who are contemplating purchasing, or refinancing, a home, we mention you.

APPLY
Please refer to our application page page or feel free to us at http://www.apexcreditservices.com or toll-free at 1-888-727-4815 with any questions.

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Apex Credit Services, LLC Real Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Sun, 31 Jan 2010 17:54:00 +0000

What Is Real Credit Repair?

In general terms, the Fair Credit Reporting Act (hereinafter, the "FCRA") empowers consumers with the statutory right to dispute with the credit reporting agencies inaccurate, incomplete, and/or obsolete information appearing on their credit reports. Pursuant to the FCRA, the credit reporting agencies must investigate consumer disputes and contact the furnisher of such erroneous information in order to verify the accuracy of the tradeline. Within thirty (30) days, the furnisher must verify the tradeline or update it so that it becomes accurate. If they do not, it must be deleted.

Sounds easy enough, right? Unfortunately, the process is tedious for the individual consumer and the credit reporting agencies have devised instrumentalities which have further frustrated the intent of the FCRA. While consumers certainly have the legal right to challenge entries wrongfully displayed upon their reports, the dispute process is confusing, inordinately time consuming, and ultimately, produces little results. At best, credit repair on one's own can yield marginal progress and at worst, it can make matters far direr.

The reasons above are precisely why consumers should consider Apex Credit Services, LLC for their credit repair needs. We have successfully removed inaccurate, incomplete, and/or obsolete items from consumer reports countless times in the past and we continue to do so today. At Apex Credit Services, LLC we have the knowledge necessary to bypass the typical roadblocks thrown at individual consumers and we get the results you desire without any of the accompanying frustration. Still better yet, we do this all for far below the industry standard.

Please contact Apex Credit Services, LLC at http://www.apexcreditservices.com or 888-727-4815 for all your credit repair needs.

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Apex Credit Services, LLC – Best Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Sun, 31 Jan 2010 17:45:00 +0000

Apex Credit Services, LLC TIPS TO CREDIT REPAIR

Settling some old debts can actually harm your credit score. Here's how to do the right thing the right way.

Cynthia worked hard to improve her credit scores. She was careful to pay her bills, including an auto loan and a credit card, on time every month. Finally, in December 2004, she decided to pay off the one old debt on her credit reports. Her scores promptly plunged by as much as 95 points."I spent over $1,200 in paying off hospital bills from six years ago, thinking this would help," she wrote in an e-mail. "Did this hurt me instead?"

Borrowers who try to pay off old delinquencies, charge-offs and collection accounts often learn the hard way: Sometimes, doing the right thing does the wrong thing to your credit.

Thanks to the sometimes bizarre quirks of credit scoring, state statutes of limitations and the federal Fair Credit Reporting Act, consumers can't always assume that paying off old debts will improve their financial situation or make them a better risk in lenders' eyes. Add in the tactics of some unethical collection agencies, and you have a real quagmire.

A lender will generally write off an account as a bad debt within six months after it becomes delinquent -- in other words, six months after the borrower stops paying. The write-off is reported to the credit bureaus as a "charge-off." Some people incorrectly believe that a charge-off means they no longer have to pay their debt. But "charge-off" is basically just an accounting term. It doesn't relieve you of the legal obligation to pay the loan, and the lender or a collector can still come after you. Usually, a lender will turn the charged-off account over to its collections department or a collection agency, and you'll have two entries for the same account on your credit report: one from the original creditor showing the account's status as "charged-off" and another from the collection agency showing the account's status as "in collections."(If you have more than two entries for the same debt, which sometimes happens when an account is passed from one collection agency to another, you can demand the credit bureaus remove the extra entries.)

Not paying your bills is a big bad when it comes to your credit. Delinquencies, charge-offs and collections all seriously hurt your score. But here's something that's really important to know:When it comes to your FICO credit score, the one most used by lenders, what matters most is what the original creditor says on your credit report. The status and amounts owed shown on that entry will figure more heavily in your credit score than what a collection agency reports. If the original creditor shows a charge-off with a balance still owed, you might be able to boost your score by paying off the bill and getting the original creditor to reset the balance to zero. If the balance is already zero -- which credit bureaus say is typical when a collection agency takes over an account -- you can't improve your score by paying up. "If the trade line balance is showing zero, you're not going to help your FICO score by paying off a collections account," said Craig Watts, spokesman for Fair Isaac Corp., creators of the FICO credit scoring methodology.

Making any payment on an old, past-due debt could actually make matters worse because the action "updated" the negative mark in the eyes of the credit-scoring formula, making it look more recent than it actually was."Recency," or how long it's been since you've had a negative mark, matters a lot to your credit score. The more recent the problem, the more heavily it weighs against you.

Of course, just leaving the account unpaid might not be an option if you want to buy a house. A mortgage lender may require that you pay off or settle any open collections that show up on your credit report as a condition of getting the loan. If you're interested in a settlement, the credit repair experts at Apex Credit Services, LLC suggest that, as part of your negotiations, push to have the creditor or collection agency either stop reporting the account altogether or demand that the account be reported as "paid in full" rather than "settled." Such treatment might not help your score, but it's less likely to hurt it.

You'll have more clout if you're able to pay a lump sum than if you have to set up a payment plan.Credit bureaus really hate it when collection agencies agree to these demands and have even banned companies for failing to properly report transactions. But that doesn't mean you can't try.

For the best in credit repair services and more information, contact Apex Credit Services, LLC at http://www.apexcreditservices.com or 888-727-4815.

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Apex Credit Services, LLC Seasoned Tradelines Work

noreply@blogger.com (Jason Barnette, Esq) — Sat, 30 Jan 2010 17:07:00 +0000

FICO Still Scores Authorized User Account Tradelines

Fair Isaac has changed its mind about removing piggybacked accounts from the FICO score equation.

In 2007, Fair Isaac announced a new credit scoring model - FICO 08 - that would no longer consider authorized user accounts. This decision came on the heels of the mortgage meltdown. You see, many consumers who had bad credit scores, bought better credit scores by paying to be added to someone else's positive credit account. When you're an authorized user on an account, the account's entire history appears on your credit report and is calculated in your credit score.

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.”

Apex Credit Services, LLC predicted this all along. Please visit http://www.apexcreditservices.com and click on FICO 08’ Explained.

As always, please feel free to contact us at Apex Credit Services, LLC or 888-727-4815 for all your Seasoned Tradeline needs.

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Apex Credit Services, LLC Best Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Sat, 30 Jan 2010 16:56:00 +0000

Apex Credit Services, LLC Nationally Ranked In Credit Repair

Apex Credit Services, LLC continues to rise in the only consumer driven credit repair organization ranking site. Apex Credit Services, LLC has risen the most rapidly of any credit repair service in the poll history which indicative of the corporations superior results and customer service.

Please visit http://www.apexcreditservices.com or http://www.the-top-tens.com/lists/best-credit-report-repair-services.asp in order to vote Apex Credit Services, LLC as the best credit repair organization in the United States.

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Apex Credit Services, LLC Best In Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Sat, 30 Jan 2010 16:48:00 +0000

Apex Credit Services, LLC Rises To No. 8 in Credit Repair Rankings!

Apex Credit Services, LLC has risen to No: 8 in the latest national credit repair rankings. This ranking is conducted by a non-profit and independant website which can be viewed at http://www.the-top-tens.com/lists/best-credit-report-repair-services.asp. Unlike some websites which rank CSO’s, this site is not a fee based operation and as such, is an accurate barometer of the skill and professionalism of certain CSO’s. To obtain the best credit repair services, contact us at Apex Credit Services, LLC or toll free at 888-727-4815.

This new accolade for Apex Credit Services, LLC is simply another example of Apex Credit Services, LLC’s sterling reputation in an otherwise tarnished industry. Along with being registered with the Tennessee Secretary of State’s Office, Apex Credit Services, LLC is one of a very few credit repair organizations belonging to the Better Business Bureau and of that very few, one of even fewer with an excellent track record.

Apex Credit Services, LLC also is a contributor to such consumer websites as http://www.creditnet.com. Although it goes without saying, the members of Apex Credit Services, LLC devote their time and energy on these forums for no charge in order to assist those who cannot afford professional help. This is truly unique in the credit repair business.

Finally, Apex Credit Services, LLC has been a chief contributor in the FICO 08′ issue pertaining to the unlawful disregard of authorized users in the propose aforesaid model. A Google search of FICO 08′ - ECOA shows Apex Credit Services, LLC in the news widespread.

Please feel free to check our credentials at http://www.apexcreditservices.com or give us a call toll-free at 1-888-727-4815.

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Apex Credit Services, LLC – Number One Rated Credit Repair Organization By the Better Business Bureau

noreply@blogger.com (Jason Barnette, Esq) — Sun, 24 Jan 2010 22:48:00 +0000

Apex Credit Services, LLC is the highest ranked credit repair organization by the Better Business Bureau. Please click on http://www.bbb.org/canton/business-reviews/credit-services/apex-credit-services-in-saint-albans-wv-3002739/ in order to verify Apex Credit Services, LLC as the number one endorsed credit repair service in the U.S.

BBB Business Review Reliability Report for
APEX CREDIT SERVICES, LLC

A BBB Accredited business since 2/16/2007

Rating: B

For all your credit repair needs, contact us at Apex Credit Services, LLC or 888-727-4815.

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Apex Credit Services, LLC – Seasoned Tradelines Work

noreply@blogger.com (Jason Barnette, Esq) — Sun, 24 Jan 2010 22:28:00 +0000

SEASONED TRADELINES
Many people with seemingly good credit to the average eye have abysmal FICO scores. Simply because a consumer has little to no derogatory listings does not mean that they necessarily have a good FICO score. As in the norm in the credit industry, FICO scores are determined by shrouded and perplexing factors which leave most consumers baffled.

Although confusing for consumers, do not be fooled into thinking there is nothing that can be done to boost your score. In fact, Apex Credit Services, LLC can often increase scores very quickly. Quick increases are particularly important for score driven processes such mortgage and auto loan applications.

While it is possible to be approved for a mortgage or car loan with a poor score, generally speaking, the lower your FICO score, the higher your interest rates. Over the life of a loan, only a few percentage points in interest can amount to literally thousands of dollars. This is why it is advantageous to boost your FICO scores as much as possible before going house or car shopping.

Apex Credit Services, LLC assists our clients in optimizing their FICO scores using our intrinsic knowledge of the FICO scoring model that we have obtaining through operating within the field. In many cases, our clients simply need to alter there utilization a touch here or there. Often times, this simply means obtaining a few new credit lines which we also assist in procuring. More often than not, the new credit lines carry superior terms because we know the places to look that others do not.

Rest assured that if it is possible to quickly increase your FICO score, we at Apex Credit Services, LLC will find the way. Nothing satisfies us more than getting clients into new homes and cars . . . and with good rates. If you are interested in retaining Apex Credit Services, LLC to assist you in increasing your FICO scores, whatever your need may be for doing so, please consult our Application Page or simply call us at 888-727-4815.

As with all our services, after your application, we will contact you to make a recommendation as to what is your best course of action completely free of charge.

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Seasoned Tradelines Scored By FICO

noreply@blogger.com (Jason Barnette, Esq) — Sun, 24 Jan 2010 22:18:00 +0000

Apex Credit Services, LLC 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."

Fair Isaac (FICO)

Fair Isaac (hereinafter, “FICO”) is the company which designs and implements the most universally accepted scoring model used today. It is commonly known as the FICO score. Today, the three major credit reporting agencies, Equifax, Experian, and Trans Union, permit FICO to apply models to their data which all consider “authorized user” accounts. These models are many but, are referred to as a Beacon, Emperica, or a Classic score depending upon the credit reporting agency to which it is applied.

With that said and no matter the name given, these models are in compliance with the Equal Credit Opportunity Act (hereinafter, the “ECOA”), enumerated in the United States Code at 15 U.S.C. 1691 et seq. The legislative intent and stated purpose of the ECOA was and remains in force to protect consumers from discriminatory and unethical practices in lending.

Nevertheless, FICO proposed in June of 2007 a new scoring model which would completely disregard authorized user accounts. One credit reporting agency was allegedly set to begin using this model in September of 2007. Which one is still unknown however, it never happened. No credit reporting agency has issued a statement to this effect and Equifax has recently stated that they will not allow FICO to apply this model to their data. The other two credit reporting agencies are set to review the model at some point in 2008 however, each and every request as to whether any credit reporting agency is going to permit this model to be applied to their data is garnering a more tenuous and ambiguous response notwithstanding Equifax which has explicitly conveyed a resounding no.

Let us be clear, this proposed model is illegal pursuant to the ECOA. One can review the following pertinent provision of the aforementioned Act and find this to be true:

(6) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant's creditworthiness a creditor shall consider:
(i) The credit history, when available, of accounts designated as accounts that the applicant and the applicant's spouse are permitted to use . . .

As anyone can discern, the law clearly states that "any" account which an applicant is permitted to use must be considered. This certainly envelopes authorized user accounts. With that in mind, it is only reasonable to forecast a windfall of class litigation that very well may affect Fair Isaac’s, the credit reporting agencies, and anyone who uses that method bottom lines. This is why only one credit reporting agency was set to implement the changed model in September. Again, it didn't happen and now, Equifax is even unwilling to sit back and wait for the fallout.

This new model was projected to adversely affect 41 million Americans with respect to their credit scores. The reasons given for the so-called need for this change are many but, they are in essence a call for relief from the mortgage industry. After the sub-prime mortgage industry fell through the bottom, the aforesaid industry needed an explanation for their shareholders. Rather than admit to the truth which was that they were approving applicants with 520 mid-scores at 100% financing and nearly at 60% DTI, they blamed a small niche of consumers who knew how to operate shrewdly under FICO models to increase their scores legally.

Presuming that any credit reporting agency proceeds as once planned and fails to see any temporary restraining orders or declaratory actions, the new model would have virtually no effect on consumers. This is because most mortgage and automobile lenders, even some credit card issuers, rely on the middle of the three scores. Consumers will continue to reap the benefit of authorized user accounts on two reporting agencies even if one credit reporting agency would give it a trial run. Again, only Experian and Trans Union have said that they are even willing to review the new FICO 08’ at some point in 2008. They have not said they will use it and we are cautiously optimistic that they will follow the ECOA and decline to do so.

With all this said and assuming arguendo that they would enact the change; it wouldn't affect most consumers until and "if" they apply the change in a retroactive nature. This has not been made clear. Moreover, the bigger question is what creditor would adopt using FICO 08' given the enormous potential for civil liability in a class context. The obvious answer is not many. It just doesn't make sense from a legal or business perspective. This is why FICO 08' has yet to happen.

In all honesty, we at Apex Credit Services, LLC cannot envision FICO 08’ moving forward as proposed in light of its illegality and as such, we will continue to offer our account tradelines in the spirit of the ECOA.

The Above Was Written By Apex Credit Services, LLC a year prior to Fair Isaac’s decision that it must score Authorized User tradelines. For all your legal seasoned tradeline needs, contact the reputable providers at Apex Credit Services, LLC or 888-727-4815.

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Apex Credit Services, LLC – Best Credit Restoration

noreply@blogger.com (Jason Barnette, Esq) — Sun, 24 Jan 2010 22:04:00 +0000

At Apex Credit Services, LLC we contest inaccurate information appearing within derogatory tradelines as well as vital information that is often omitted from such tradelines. Our staff has combed through countless credit reports, engaged in litigation against the credit reporting agencies as well as furnishers of information, and, thereby, we have gained the expertise that others in the industry simply lack.

Other large companies; i.e., dispute mills, do not have the expertise to pinpoint erroneous information because their staff is typically poorly trained, if at all. Often times, these companies simply dispute the tradelines in question with the dreaded "not-mine" attack. This does more harm than good for the client and leaves little redress when the information is verified.

As a client of Apex Credit Services, LLC, you tell us about the accounts which you believe are inaccurate, incomplete, and/or obsolete. You tell us what it is that makes you feel the tradeline is erroneous. We then assist you with locating an incorrect piece of information within the tradeline and draft your dispute accordingly. Only if the account is truly not that of our client do we issue "not-mine" disputes. This is our policy because a not-mine dispute requires the furnisher of information to match only a cursory data to verify that it belongs to a consumer. Disputing other specific information yields a higher percentage that the tradeline will be deleted.

Our Credit Restoration service, standing alone, is highly effective inasmuch as we utilize the Fair Credit Reporting Act (hereinafter, the "FCRA") to compel tradeline deletion. By invoking the FCRA, we have successfully removed bankruptcy listings, accounts included in bankruptcy, judgments, foreclosures, repossessions, charge-offs, late payments, etc. There is no reason to feel embarrassed by your past credit history . . . even if it is truly your own. Simply because payments were missed does not give furnishers of information the right to report erroneous information in retaliation.

At Apex Credit Services, LLC, we do our best to see that information is reported to the maximum extent possible and that the credit reporting agencies employ reasonable procedures to ensure that it is. We are not concerned with your credit past, but rather, only improving your current credit standing by making sure your reports are accurate and complete.

If, however, you retain Apex Credit Services, LLC and we are unable to remove the targeted tradelines, we will then refer the matter, if so warranted, to a consumer attorney licensed to practice law within your jurisdiction. This is truly where our credit repair services stand out from that of our competition.

Be forewarned that there are many credit repair "law firms" on the horizon in today's industry and it is truly one of the largest, if not the largest, misrepresentations made to consumers seeking to improve their credit. Credit repair law firms do not represent you because they cannot legally do so absent being licensed to practice law within your jurisdiction. Do not be fooled into believing that an actual attorney is drafting your dispute communications or that they will institute a civil action on your behalf if a credit reporting agency or a furnisher of information fails to comport with the FCRA.

At Apex Credit Services, LLC, we do not imply that we offer such services. However, we will refer your issue to a reputable consumer attorney licensed within your jurisdiction who may assist you with litigating your claim.

With that said, please refer to our Application Page if you would like to retain Apex Credit Services, LLC to assist you in your credit repair efforts. As always, after your application is submitted, Apex Credit Services, LLC will contact you to make a recommendation as to what is your best course of action free of charge. Please also feel free to contact us at http://www.apexcreditservices.com or 888-727-4815.

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Apex Credit Services, LLC – Top Ten Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Sun, 24 Jan 2010 21:49:00 +0000

Apex Credit Services is ranked in the top ten credit service organizations in the U.S. per http://www.the-top-tens.com/lists/best-credit-report-repair-services.asp. Apex Credit Services, LLC is the only top ten member to offer seasoned tradelines as well. The following are just a few testimonials:

8) Apex Credit Services, LLC

“Apex Credit Services, LLC is a professional credit service organization that performed exactly what they said they would. They gave me 123 points in 90 days. Money well spent.”

rob1045

“Apex Credit Services, LLC did exactly what they said they would. They are agressive, their methodology is easy to comprehend and their customer support is excellent.
Moreover, they know the FDCPA and FCRA inside and out. They have counsel which has litigated against the credit reporting agencies thus, they seem to be able to delete items the others can’t.
In any event, they’re the only CROA complaint company I’ve seen that offers both credit repair and seasoned tradelines. They got my scores up over 200 points in around 90 days.”

rob1045

“Did what they said they would and actually had customer support. I spent about $1,800.00 but, it 90 days I went from a 507 to a 647. This was good enough to get my mortgage. Money well spent in my opinion. I’ll go back to get them to help me to re-finance in a few years.
Good people.”

donnie1

visit Apex Credit Services, LLC website
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Apex Credit Services, LLC – Best Credit Repair

noreply@blogger.com (Jason Barnette, Esq) — Sun, 24 Jan 2010 21:13:00 +0000

Below are comments and reviews for Apex Credit Services, LLC’s credit repair services found at http://www.creditrepaircompare.com/apex-credit-services/apex-reviews.html. If you have experience with Apex Credit Services, LLC feel free to add your input below.

A. Davidson Says:
September 3rd, 2009 at 8:32 am
Apex Credit Services, LLC, did a wonderful job in repairing my credit as well as my wife’s. They know what they are talking about and know the FICO models inside and out. Through speaking with Apex Credit Services and implementing their seasoned tradelines and credit repair both my credit scores and that of my wife increased by over 150 points in a little less than 60 days.

They stand by their word and are true professionals in the credit repair business.
J. Aleshia Says:
May 27th, 2009 at 6:47 pm
Had good experiences with Apex Credit Services, LLC. Bought the seasoned tradeline services they offer along with their credit restoration product and got about a 170 point jump. I’d highly recommend Apex Credit Services.
Jay Says:
May 1st, 2009 at 3:07 pm
Unfortunetly, I didn’t have the same luck. After a year of trying to get my credit back up, I get 2 derogatory entries in my credit for a tradeline apex (jason) added me too. I just called boa and had them remove me. I have a letter now to dispute this with transunion. what a nightmare this has been.
James Spitz Says:
March 22nd, 2009 at 11:23 am
Apex Credit Services, LLC did a fanatastic job with my credit repair. I bought Apex Credit Services “credit restoration” service and purchased two, ten year old seasoned tradelines. Took about 60 days but, when Apex Credit Services was done my score had risen about 140 points to a 731. They did everything they said they would, answered all my questions and provided me screenshots/copies of everything.

A very professional credit repair firm to say the least. I suppose that’s why their bonded with Hartford, a three year member of the Better Business Bureau, certified by the CDIA, licensed and registered with the WV Secretary of State, and ran by attorney’s and paralegals. These guys know their stuff!
Ryan S. Says:
January 17th, 2009 at 7:49 pm
This corporation is a great credit repair firm. Apex Credit Services lead me by the hand throughout their 90 day plan (I was a bit naive about it) and explained everything to a fault. Their projections were pretty dead on and I couldn’t be happier. I say thumbs up for Apex Credit Services.
Sidney Roberts Says:
January 13th, 2009 at 5:21 am
Apex Credit Services, LLC did a bang-up job for me and my wife. They cut $250.00 off of their base pricing and increased our mid-FICO scores by a little over 90 points in around 50 days. They were on the ball and I’d highly recommmend Apex Credit Services to anyone.
Brian Appleton Says:
December 21st, 2008 at 2:28 pm
Apex Credit Services, LLC did exactly as they promised in adding my seasoned tradelines and credit repair. Apex Credit Services took my score from about a 520 to 690 in slightly less than 90 days. While Apex Credit Services, LLC charged me 1,800.00, it was money well spent and I found them to be more professional than any other credit service organization I talked to.
Chad Mays Says:
December 10th, 2008 at 10:44 pm
Apex Credit Services, LLC took me from a 560 to 743 in slightly less than 90 days. During this time, they were responsive to all my needs and questions.

Apex Credit Services performed to rounds of escalated credit repair and added three tradelines to my reports. It went off flawlessly.

I would strongly recommend Apex Credit Services, LLC for both credit repair and seasoned tradeline services. Their prices are actually cheaper than most and the customer service is excellent. Moreover, they seem to be attorneys and paralegals whereas most of the other companies seem to be something less than.
Michael Says:
November 23rd, 2008 at 9:59 pm
My scores in late ‘07 were 500ish Fako and non-existant FICO. I was about to go through both payment in fulls and Lexington Law before I came across Apex. Rather then the usual ‘fill this out and pay per month’ I ended up talking to a real person, who listened to my situation and put together a real game plan based on my situation and goals.

Wiht their guidance and assistance, I have managed to get my scores to the 700+ range. They never engage in questionable practices (e.g. disputing inquiries with ‘Fraud’ claims that haunt you for your years) and balance aggressive tactics will long term gain.

Highest marks in a field full of charlatans…
Charles Bointonio Says:
November 20th, 2008 at 9:49 pm
Apex Credit Services, LLC was easily the most educated and professional credit repair firm I spoke with. They were founded by a consumer attorney and it appears that their staff is mainly paralegals. I found them to be completely honest and that they actually were attempting to prohibit me from going overboard. Apex Credit Services actually could have sold me more services but, they stuck by their projections which were far cheaper. Turns out they were right. In any event, I liked the fact that they discussed all my options with me for about three days before I even finally retained them.

Within roughly ninety days, my scores had went from a 587 to a 718 (mid-score). They communicated with me and put all my fears to rest. Again, very professional and informative. It felt like I was with a law firm rather than a credit repair agency.

Apex Credit Services is the best in the credit repair business.
James Riley Says:
November 18th, 2008 at 12:31 pm
Apex Credit Services is a top-flight credit repair agency. They corresponded with me promptly and increased my scores about 130 points in 90 days. I don’t know of anyone that does what Apex Credit Services does in this field, but I’d recommend them to anyone.
G. Childress Says:
November 13th, 2008 at 11:13 am
This is a long story but, a good one. I didn’t initially have a contract with Apex Credit Service, LLC however, they definately helped me. A guy that I won’t mention sold me a fake CPN number and told me that a few tradelines would be added to it. Well, they never were and he said it was Apex Credit Services, LLC’s fault. I called them and explained who I was. Jason Barnette personally looked into it and told me that they didn’t work with CPN’s and that they were illegal. The same guy that sold me this garbage refused to talk to me or refund my money however, Mr. Barnette and Apex Credit Services put the lines on my real social security number credit report. My scores increased a great deal.

They didn’t have to do this. They did it because Mr. Barnette is an attorney and Apex Credit Services actually believes in doing things the right way. All I can say is that this man is honest, professional and Apex Credit Services does what they say they will. They are sort of a watchdog in a terrible industry full of scammers.
Mike Cognazzio Says:
November 6th, 2008 at 9:12 pm
Apex Credit Services, LLC was great to work with. They increased my scores by over 100 points in less than 90 days. They are ran by attorney’s and paralegals and conduct themselves as such. They answered every question I had and met all my expectations.

Good company!
Bill Anthony Says:
November 3rd, 2008 at 6:35 pm
Apex Credit Services, LLC was great to work with and came through with what they projected. Apex Credit Services didn’t nit-pick one or two tradelines instead, they disputed everything by specific inaccurate or incomplete data field. As a result, I saw a good many items deleted.

Apex Credit Services also added some positive tradelines which posted within 60 days. My FICO score jumped about 120 points within the 90 days I was with them.

They are well-trained and answered all the questions I had. No issues with them whatsoever and I would highly recommend them.

Bill
Robert Thomas Says:
October 28th, 2008 at 7:16 pm
Apex Credit Services, LLC did a good job for me. My scores went from a 573 mid-score to a 714. I was able to obtain a good rate on a fixed re-fi after 90 days with them.

Apex Credit Services was fast, diligent and explained everything to me. I would recommend them to anyone.

For the best in credit repair, contact us at Apex Credit Services, LLC or 888-727-4815.

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