Richard "Richy" Lujan

Credit Professional

Richard "Richy" Lujan

Credit Professional

Live Your Best Life!

At Apex Advisory, we specialize in helping you take control of your financial future. Whether you're looking to restore, rebuild, or maximize your credit, our expert team is here to guide you every step of the way.

Schedule a Consultation

Live Your Best Life!

At Apex Advisory, we specialize in helping you take control of your financial future. Whether you're looking to restore, rebuild, or maximize your credit, our expert team is here to guide you every step of the way.

Schedule a Consultation

Stop Getting Denied For

Auto Loans

Mortgages

Rentals

Personal Loans

Credit Cards

Credit Limit increases

Too Many Inquiries

If you're getting denied for any of these reasons... you NEED to fix your credit!

Schedule a Consultation

Our 4 Month Credit Program

Credit Building

Gain the knowledge you need to build and maintain excellent credit.

One-on-One Calls

Personalized guidance every 30 days to keep you on track.

Complimentary Credit Disputing

With over 20 years experience, we dispute incorrect and negative items, while you build your credit profile.

Schedule a Consultation

Our Services

Credit Consulting

We differentiate ourselves from typical credit repair companies. We are goal-oriented and financially focused company, providing comprehensive education and support to help you achieve lasting financial success. Our credit disputing services are complimentary and part of a broader strategy to improve your overall financial health.

Most of our clients are seeing substantial results to their credit scores within 45-90 days! We make the process of restoring, rebuilding, and maximizing your credit buying power easy.

Schedule a Consultation

Tailored Dispute Process

We address your unique credit situation, disputing inaccuracies and resolving negative items.

Ongoing Support

We provide electronic updates and credit tips throughout the entire 4 month process.

Professional Expertise

Backed by years of experience, we understand the nuances of credit law and financial strategy.

Our Services

Credit Consulting

We differentiate ourselves from typical credit repair companies. We are goal-oriented and financially focused company, providing comprehensive education and support to help you achieve lasting financial success. Our credit disputing services are complimentary and part of a broader strategy to improve your overall financial health.

Most of our clients are seeing substantial results to their credit scores within 45-90 days! We make the process of restoring, rebuilding, and maximizing your credit buying power easy.

Schedule a Consultation

Tailored Dispute Process

We address your unique credit situation, disputing inaccuracies and resolving negative items.

Ongoing Support

We provide electronic updates and credit tips throughout the entire 4 month process.

Professional Expertise

Backed by years of experience, we understand the nuances of credit law and financial strategy.

Credit Building

Many credit repair companies only focus on disputing items, often dragging out the process and offering no education. This can lead to recurring credit problems. We provide you with the credit score boosting needed to achieve your financial goals.

Schedule a Consultation

Boost Your Scores Fast

See improvements in your credit score faster than you thought possible.

Proven Strategy

Leverage opportunities to maximize your score and approval odds.

Expert Guidance

We analyze your current credit standing, develop a step-by-step plan, and help you leverage opportunities.

Credit Building

Many credit repair companies only focus on disputing items, often dragging out the process and offering no education. This can lead to recurring credit problems. We provide you with the credit score boosting needed to achieve your financial goals.

Schedule a Consultation

Boost Your Scores Fast

See improvements in your credit score faster than you thought possible.

Proven Strategy

Leverage opportunities to maximize your score and approval odds.

Expert Guidance

We analyze your current credit standing, develop a step-by-step plan, and help you leverage opportunities.

Business Credit & Funding

In addition to personal credit, we also specialize in helping entrepreneurs and businesses build strong business credit profiles. A robust business credit profile can separate your personal and business finances, making it easier to secure funding and grow your business.

Schedule a Consultation

Business Credit Fundamentals

Understand the importance of business credit and how to build it effectively.

Personalized Strategies

Customized plans to help you establish and improve your business credit profile.

Funding Assistance

Guidance on securing loans and credit lines that suit your business needs.

Credit Education

Our team of experienced credit experts designed comprehensive digital courses that will teach you everything you need to know about credit. From understanding credit scores and reports to developing strategies for improving your credit, our courses cover it all!

Schedule a Consultation

Credit Fundamentals

Learn the core principles of credit management

Advanced Strategies

Discover how to leverage credit to build wealth.

Self Paced Learning

Access the content at your own pace, with lifetime access to our educational library.

Partner With Us!

Earn by Referring Clients to Apex Advisory

Now you can help others unlock financial freedom while earning commissions through our Affiliate Program! As an affiliate, you’ll get paid for simply referring clients to our personal credit services or business funding solutions. Whether it’s individuals looking to rebuild personal credit or entrepreneurs aiming to grow their business, our trusted programs can deliver the results they need—and you earn for every successful referral.

Start Earning Today!

Credit Education

Our team of experienced credit experts designed comprehensive digital courses that will teach you everything you need to know about credit. From understanding credit scores and reports to developing strategies for improving your credit, our courses cover it all!

Schedule a Consultation

Credit Fundamentals

Learn the core principles of credit management

Advanced Strategies

Discover how to leverage credit to build wealth.

Self Paced Learning

Access the content at your own pace, with lifetime access to our educational library.

Partner With Us!

Earn by Referring Clients to Apex Advisory

Now you can help others unlock financial freedom while earning commissions through our Affiliate Program! As an affiliate, you’ll get paid for simply referring clients to our personal credit services or business funding solutions. Whether it’s individuals looking to rebuild personal credit or entrepreneurs aiming to grow their business, our trusted programs can deliver the results they need—and you earn for every successful referral.

Start Earning Today

Stop Getting Denied For

Auto Loans

Mortgages

Rentals

Personal Loans

Credit Cards

Credit Limit increases

Too Many Inquiries

If you're getting denied for any of these reasons... you NEED to fix your credit!

Schedule a Consultation

Our 4 Month Credit Program

Credit Building

Gain the knowledge you need to build and maintain excellent credit.

One-on-One Calls

Personalized guidance every 30 days to keep you on track.

Complimentary Credit Disputing

With over 20 years experience, we dispute incorrect and negative items, while you build your credit profile.

Schedule a Consultation

Do You Qualify?

Our programs are designed for individuals committed to transforming their financial future. Schedule your free credit analysis to see if you're a good fit for our services.

Review all 3 Credit Reports for Just $1

We will start by reviewing your credit reports from the three major credit bureaus.

Schedule a 10 Minute credit File Review

Once you have your reports, schedule a brief consultation with us to review your credit file and discuss your financial goals and future.

Get Your Personalized Price quote

Based on your credit review, we will provide you with a customized price for our services.

Schedule a Consultation

Do You Qualify?

Our programs are designed for individuals committed to transforming their financial future. Schedule your free credit analysis to see if you're a good fit for our services.