If Apelles, LLC just showed up on your credit report, don’t ignore it. Collection accounts can seriously drag down your credit score—and stay there for up to seven years. But with the right approach, you may be able to remove it and start repairing the damage.
Who Is Apelles, LLC?
Apelles, LLC is a national debt collection agency based in Columbus, Ohio. They collect delinquent accounts on behalf of companies that haven’t been paid. If you’re seeing their name on your credit report, it means they’ve been assigned to collect a debt you allegedly owe.
Who Does Apelles, LLC Collect For?
Apelles handles accounts for a wide range of industries, including:
- Banks and financial institutions
- Government agencies
- Medical providers and healthcare systems
- Retail service providers
- Business and utility service companies
That means the debt could stem from anything from a medical bill to a utility balance or old loan.
Is Apelles, LLC Legit?
Yes, Apelles is a legitimate debt collection agency. They’re legally authorized to collect debts and must follow both state and federal regulations. That said, not every account they report is accurate—so it’s essential to verify everything before you respond.
How to Remove Apelles, LLC From Your Credit Report
Here are the four most effective ways to get Apelles off your credit report:
1. Dispute Any Inaccurate Information
If the debt is incorrect, outdated, or not yours, file a dispute with the credit bureaus. They’re required to investigate and remove the entry if it’s inaccurate or unverifiable.
2. Request Debt Validation
You can send Apelles a written request for debt validation. This forces them to provide documentation proving that the debt is real, that it belongs to you, and that the amount is accurate. If they can’t validate the debt within 30 days, they must stop reporting it.
3. Negotiate a Pay-for-Delete
If the debt is legitimate and still within the statute of limitations, consider offering a pay-for-delete agreement. This is when you agree to pay (in full or settle for less) in exchange for Apelles removing the account from your credit report. Make sure to get the agreement in writing first.
4. Work With a Credit Repair Company
A credit repair service can take the stress off your plate. They’ll dispute accounts, handle validation requests, and negotiate removals with agencies like Apelles—often with faster results.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Apelles?
Before picking up the phone or sending payment, make sure:
- The debt is accurate
- It hasn’t already been paid or discharged
- It’s still within the statute of limitations in your state
Also, keep in mind: making a payment could restart the reporting clock or make the situation worse if not handled properly. That’s why many people choose to work with professionals who can ensure it’s done right.
Can Apelles Sue You or Garnish Your Wages?
Yes, Apelles has the legal ability to sue you for unpaid debt. If they win in court, they may be granted the right to garnish your wages or place a levy on your bank account.
However, lawsuits are usually a last resort. Most collectors, including Apelles, will first try to work out a payment plan or settlement before taking legal action.
Apelles, LLC Contact Information
- Mailing Address:
Apelles, LLC
3700 Corporate Drive, Suite 240
Columbus, OH 43231 - Phone Numbers:
(800) 825-4425
(614) 899-7322
Common Complaints About Apelles
Like many debt collectors, Apelles has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Frequent issues include:
- Reporting incorrect information
- Failing to respond to validation requests
- Harassing or repeated phone calls
If any of this happens to you, you can file a complaint with the CFPB and dispute the account directly with the credit bureaus.
Know Your Rights When Dealing With Apelles
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you the right to:
- Dispute inaccurate accounts
- Request debt validation
- Be treated respectfully—not harassed or threatened
- Receive written notification about the debt
- Avoid false or misleading statements from collectors
Apelles must follow these laws. If they don’t, you may have grounds to take legal action.
Want Apelles Off Your Credit Report for Good?
There’s a smarter way to deal with collection accounts. Credit Saint has helped thousands of people remove inaccurate or unfair items from their credit reports—including accounts from Apelles, LLC.
Your satisfaction is guaranteed. If you’re not completely satisfied with the results, they’ll refund your investment within 90 days—no questions asked.
Ready to move forward? Call (855) 281-1510 or visit their website to schedule your free consultation and start taking back control of your credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
