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Credit Repair/Experts

ExpertAverage RatingsExpertise

Apex Credit Services

U.S.
Available
FCRA, FDCPA, FACTA, FCBA related questions as they pertain to inaccurate and incomplete tradelines on consumer credit disclosures.

Regan Shinski

U.S.
Available
I can help answer basic questions on credit repair, credit counseling, FICO scores, basic credit planning, and the cause and effect of credit related decisions.

Gary Lambert

U.S.
Available
I can answer questions regarding the use of secondary credit numbers to protect against identity theft, any credit questions regarding scoring, cause and effects and re-establishing credit.

Michael Fay

U.S.
Available
There are many experts available here and elsewhere for personal credit - my focus is on BUSINESS credit. This means understanding it and predicting it - as well as helping to correct it. Having worked in contracts & credit, I have also worked with all of the related documents such as Guarantees (personal and corporate), and Security Agreements (aka UCC’s or “liens”)

Yan Ross

U.S.
Available
I can answer questions on credit reports and dealing with credit reporting agencies, including disputed items, credit scores, and other consumer-related issues.

Ontrack Financial Group llc

U.S.
Available
We can Answer any question that relates to credit repair and collection issues.

Chris Ebert

U.S.
Available
I can answer questions for Texas and California residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas / California state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.

Recent Answers

2009-11-20 credit score:

Hi Daniel, Two years? "Ongoing and consistent" means forever. When you stop using credit, your score will drop. If you pay off a credit card every month, your credit score will NOT be as high as

2009-11-19 credit score:

Hi Daniel, Regarding credit cards, your maximum credit score will be achieved by keeping a balance on your card that equals 25% of the line of credit. In other words, if your card has a credit limit

2009-11-17 paid of my car loan is it a negative thing om my credit:

Hello, SOnia, and thanks for your question. You are correct -- paying off your car loan (assuming it was paid in full accordance with its terms) should be positive, not negative, on your credit report

2009-11-06 settlement of credit card....:

Hi Tonya: I can't answer that because I don't know the terms of your settlement and original contract. In general, we advise or when we settle accounts for people, we put the credit terms in the settlement

2009-11-04 Charge-offs that have been sold:

Mery, The situation you've described is a bit of a moving target. The charge-off by the original creditor is an historic fact, one that is reflected in your credit reports. The payment to the buyer

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