Sarah M.
Austin, TX
"My score went up 84 points in 4 months. I just closed on my first home."
Trusted by 1.8M+ Americans since 2010Fix your credit.
Fix your credit.
Unlock what's next.
Apex Credit challenges inaccurate negative items on your credit report so you can qualify for the home, the car, and the life you deserve.
4.9/5
from 12,400+ verified reviews
Free consultation No credit card required Cancel anytime
FCRA Compliant
256-bit Encryption
BBB Accredited A+
TrustPilot Excellent
Members helped
0+
Real people who have taken control of their credit with Apex.
Since
2010
HQ
New York, NY
Disputes sent
0+
Satisfaction
0%
In service
0+ yrs
Avg gain
+84
What we do
Credit repair, reimagined for modern Americans.
We identify potentially inaccurate, unverifiable, or unfair negative items on your credit reports and challenge them with the bureaus and creditors on your behalf — backed by FCRA law.
CollectionsLate paymentsHard inquiriesCharge-offsRepossessionsBankruptcies
Backed by FCRA law
Every dispute we file is grounded in your federal consumer rights.
Real, human experts
Specialists who know your case by name — not a chatbot.
Our process
A clear 4-step path to better credit
Step 01
Analyze
We pull and review your credit reports from all three bureaus.
Step 02
Identify
Our specialists flag potentially inaccurate negative items.
Step 03
Challenge
We send tailored disputes to bureaus and creditors on your behalf.
Step 04
Monitor
Track results in real time and watch your score improve.
What sets us apart
How Apex Credit compares.
More features, more support, better results — see why thousands choose us over the competition.
| Features | Apex Credit Premium Plan | Credit Saint Credit Polish | The Credit People Standard |
|---|---|---|---|
| Bureau challenges & disputes | |||
| Works with all 3 credit bureaus | |||
| ID Theft Insurance | |||
| FICO® score updates | |||
| Secure customer dashboard | |||
| Real-time alerts & notifications | |||
| Daily support (7 days a week) | |||
| Dedicated expert advisor | |||
| WhatsApp & phone support | |||
| Money-back guarantee |
Credit education
What drives your FICO score?
Five factors decide your credit score. Understanding them is the first step to taking control.
Explore credit education35%
Payment history
30%
Credit utilization
15%
Credit age
10%
Credit mix
10%
New credit
Reviews
Real members. Real results.
4.9/5 · 12,400+ reviews
+84 pts
Marcus J.
Chicago, IL
"The dashboard is amazing. I always know exactly what's happening with my disputes."
Priya R.
Seattle, WA
"Their advisors actually pick up the phone. Best service I've ever had."
FAQ
Questions, answered.
Still curious? Our specialists are one message away.
Ask on WhatsAppNeed help now?
Call us at +1 (800) 555-0199
Most members start seeing results within 30–60 days. A full plan typically runs 3–6 months depending on your reports.
Any item that is inaccurate, unverifiable, or unfair under the FCRA — collections, late payments, charge-offs, hard inquiries, and more.
Yes. Under the Fair Credit Reporting Act you have the right to dispute any item on your credit report.
Plans start at $49/month. You can cancel anytime — no contracts or hidden fees.
We analyze your reports, identify questionable items, and send tailored disputes to bureaus and creditors on your behalf.
While we can't guarantee outcomes, members who follow our plan typically see meaningful score gains within a few months.
Start free · No card requiredStart fixing your credit
Start fixing your credit
today.
Join 1.8M+ Americans who trusted Apex Credit to get back on track.