Company Policies

Effective date: August 6, 2026

These Company Policies describe how Apex Credit Solutions, Inc. ("Apex," "we," "us") operates and what clients and prospective clients can expect when working with us. They supplement — and are subject to — the written service agreement each client signs, our Terms of Use, and our Privacy Policy. If anything here conflicts with your signed service agreement, the service agreement controls.

1. How our services work

Apex provides credit restoration, education, and development services organized around three phases: Prevent (budgeting and cash-flow systems, cost containment, debt and interest-rate negotiation), Protect (debt settlement, debt collection protection, credit repair), and Rebuild (credit building strategies, score growth and monitoring, financial advocacy). Every engagement begins with a free assessment so we can recommend the right starting point. The specific services, timeline, and fees for your engagement are set out in your written service agreement before any work begins.

2. Honest expectations

• We do not guarantee any specific credit score, deletion, settlement amount, or financial outcome. Results depend on your individual circumstances.
• We only challenge items on your credit reports that are inaccurate, incomplete, unverifiable, outdated, misleading, or otherwise questionable. We will not ask you to misrepresent facts, and we will not do so on your behalf.
• You always retain the right to dispute inaccurate information on your credit reports yourself, at no cost, directly with the credit bureaus.

3. Your right to cancel

Consistent with the federal Credit Repair Organizations Act (CROA), where applicable you may cancel a credit repair service agreement without penalty or obligation at any time before midnight of the third business day after signing. Cancellation instructions and the required notice form are provided with your service agreement. For cancellations after that period, the terms of your service agreement apply — contact us and we will walk you through it.

4. Billing and refunds

• Fees, billing schedules, and any refund terms are stated in your written service agreement before you pay anything.
• Where CROA applies, we do not charge for credit repair services before those services are performed.
• If you believe you were billed in error, contact us within 30 days at (888) 445-9343 or info@apexcreditsolutions.com and we will review and correct any error promptly.

5. Communication policy

• Hours: Monday–Friday, 10am–6pm Eastern Time.
• Channels: phone — T: (888) 445-9343, P: (718) 701-2252 — email, and text message (for clients and prospects who have opted in; see our SMS Text Policy).
• Response times: we aim to respond to all inquiries within one business day.
• You can change your preferred contact method, or opt out of texts (reply STOP) or marketing emails, at any time.

6. Documents and client information

We handle your personal and financial documents with care, share them only as described in our Privacy Policy, and use them solely to deliver the services you engaged us for. When an engagement ends, we retain records only as long as required for legal, regulatory, and accounting purposes.

7. Compliance

Our practices are designed to comply with applicable federal and state law, including the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Telephone Consumer Protection Act (TCPA). Services may not be available in all states.

8. Complaints and dispute resolution

If something isn't right, tell us first — most issues are resolved with one conversation. Contact our team at (888) 445-9343 or info@apexcreditsolutions.com with "Complaint" in the subject line. We acknowledge complaints within two business days and aim to resolve them within ten. Formal disputes are handled as described in your service agreement and our Terms of Use.

9. Equal treatment

Apex serves all clients without regard to race, color, religion, national origin, sex, marital status, age, disability, or any other characteristic protected by law.

10. Questions

Apex Credit Solutions, Inc.
1281 Arthur Kill Road, Lower Level
Staten Island, New York 10312
T: (888) 445-9343 • P: (718) 701-2252
info@apexcreditsolutions.com