Credit profile enhancement is a process that involves identifying errors or inaccuracies on your credit report, disputing them, and working towards improving your credit score.

Credit repair works by reviewing your credit reports, identifying negative items or errors, disputing them with the credit bureaus, and working towards their removal or correction. It also involves implementing strategies to improve your creditworthiness.

Yes, credit repair can potentially improve your credit score by removing inaccurate negative items, resolving disputes, and providing guidance on managing your credit effectively.

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports.

The duration of credit repair can vary depending on the complexity of your credit issues and the responsiveness of the credit bureaus. It may take a few months to a year or more to see significant improvements in your credit score.

Apex strategies cannot guarantee the removal of all negative items. However, it focuses on disputing inaccurate, outdated, or unverifiable items that may be dragging down your credit score.

Apex strategies services can assist in addressing inaccuracies or errors associated with bankruptcies or foreclosures on your credit report. They can also provide guidance on rebuilding credit after such major financial events.

We review your credit report and see what’s bad and what could be better.

We get right to work on both — disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.

Late payments on student loans can be removed, although student loan debt cannot be settled.

Our credit service specialists are the only ones who will see your credit reports, view our privacy measures within our privacy policy—your information is safe and secure.

Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see credit responses within the first 45-60 days. 

The Apex Strategies work on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.

Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. If you can afford to pay off your debts, we would always advise you to however.