Apex Financial Management / Debt collection sucks!
My account had the unfortunate happenstance of being purchased by Apex. I found out from the credit watch service which I have with one of the credit bureaus, that this account was reported as a "collection account". I was devastated because I have been in a debt mgmt pgrm for 3 years and have never made a late payment. I made my last payment to the debt mgmt company in Jan. Of course, Apex didn't update their records and reported me. I have been calling daily for 2 weeks to get this updated and removed. They never call back.
It sucks that you can work (literally) really hard to get your credit clean and raise your score, and in a few seconds some lazy ### who doesn't want to do their follow-up can screw it up for you.