My client was a first time homebuyer with no credit score. I reffered him to Apex after finding them online. They said they could create him a credit score for $600.00. He sent them a money order in the amount of $600.00. They did nothing at all. Once he sent the money they never answered their phone or returned any messages. My client and I both called on a daily basis at various times and left numerous messages. I finally got a response back from Amber once I told them I was going to file a complaint, but refused to give a refund. Amber claimed it was my clients fault. This company is completely fraudulent and needs to be prosecuted. read full review »