About Apex Credit Services, LLC Expertise Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law.
DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
Question I have recently pulled my 3-in-1 credit report and found that the three has conflicting information on them. Equifax shows i have no collactions but 4 negative accounts. But when i look at the four negative accounts two of them state that they are collections and they show that i have opened them in 2006 2007. These two accounts have been closed and i have had no contact with them since 2001 2002 but these two collectors show as if i had just opened an account with them.
So i disputed them, on Equifax and also Experian. Transunion shows that i have no negative information, and not collections.
Today i recieved a letter in the mail from Experian stating that they have investigated my disputes and that my two collects have been verified and that i do owe the debts. But my beef is that they have re-aged my account. My worry is that if i make payment arrangements with these people if this going to cause me to live with this false information?
I am tring to get a security clearance an the only thing i can do is clear this bad information. But Experian states that they have verified everything to be accurate. Even though i know it is not. the two collections are 3,600 and the other is 650.00 small debts, but a royal pain.
Can anyone give me advice on what to do?
Answer Jason:
You need to consult with a consumer attorney. If you're in Tennessee, we can recommend a few that we at Apex Credit Services refer our credit repair clients to. Otherwise, go to or Google NACA.
