1. Home
  2. Credit Repair Tips & Tricks
  3. The Most Effective Credit Dispute Letter-(updated 2022)

The Most Effective Credit Dispute Letter-(updated 2022)

Ali Zane is a credit repair expert, advocate, and author with nearly 20 years experience getting positive results for his credit repair clients.
effective credit dispute letter

This blog post is for the people who cannot afford my paid credit repair services in Los Angeles and prefer a self help strategy.

So, I’ve distilled my 20 years of experience of fixing credit scores into an advanced method credit bureau dispute letter with specific instructions on how to utilize it.

Here’s what you need to know: The Fair Credit Reporting Act’s (FCRA) Section 611 allows for consumers to challenge questionable items on their credit reports. So you have a right to dispute information that you believe to be incorrect.

This includes questionable late payments charge-offs, collections, tax liens, bankruptcies, judgments, foreclosures, or any personal identification information.

What this means is, virtually any “questionable” negative or inaccurate information the credit bureaus (also known as credit reporting agencies) have for you can be disputed and their deletion may result in a credit score increase.

 

 

Sample credit bureau dispute letter :

Here is a free dispute letter sample that works:

Full Name_____

Mailing Address:________

Date of Birth________

{Date}_______

RE: Investigation Request to Delete Credit Inquires

To whom it may concern,

In accordance with the Fair Credit Reporting Act Section 611 (15 U.S.C. § 1681I), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN#.

INCORRECT ACCOUNT INFORMATION
The accounts below are reporting incorrectly please investigate these:
1. {Creditor Name}________ {ac#} _______{Reason for Dispute}_________
2. {Creditor Name}________ {ac#}________ {Reason for Dispute}__________
3. {Creditor Name}________ {ac#}________ {Reason for Dispute}___________

INCORRECT CREDIT INQUIRIES
I am disputing the following inquiries which I did not authorize:
1. {Creditor Name}_______ {inquiry date}_______
2. {Creditor Name}_______ {inquiry date}_______

REMOVE INCORRECT PERSONAL INFORMATION
I am disputing the following personal information that is showing for me which is incorrect:
1. Incorrect SSN {xxx-xx-xx xx }______
2. Incorrect Address { insert address}_________
3. Incorrect Name Variations { Insert name}________

UPDATE PERSONAL INFORMATION
Also please update the following information which I saw your credit bureau to be missing or incomplete:
1. Personal current address {insert correct address}__________
2. My proper full { insert your correct full name, if the bureau has listed it incorrectly}________
3. My date of birth { insert date of birth, if bureau has it listed incorrectly}_________
4. My current employment info { insert employer name, address and your position, if the bureau is missing this info}__________

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

Truly,

{Name}______

{Signature}____________

 

Experian Address for disputes:

If Sending to Experian:

Mail to  Experian, P.O. Box 4500, Allen, TX 75013

Equifax Address for disputes:

If Sending to Equifax

mail to : Equifax  P.O. Box 740256, Atlanta, GA 30374-0256}

Transunion Address for disputes:

If Sending to Transunion:

mail to : Transunion,  Consumer Disputes, P.O. Box 2000, Chester, PA 19016

 

How to write a credit bureau dispute letter:

Use the credit dispute letter template provided above. Fill in with your personal and  account information using the steps below:

STEP 1: Identify yourself

Fill in: your personal identification information, current address, date of birth, and SSN.

 

STEP 2: Choose items to dispute

List the erroneous personal identification information you are disputing along with a list of the questionable accounts and inquiries.

For each account, list the creditor name and the account number, along with the reason for your dispute.

 

Best dispute reasons to use with a credit bureau dispute letter:

Examples of dispute reasons you can use are follows:

The Account does not belong to me.

The account payment history is incorrect.

The account is too old to be on the credit report.

The account was paid prior to collection.

Incorrect amount.

Incorrect last payment date.

Incorrect Status.

The account belongs to someone else with a similar name.

Creditor agreed to delete account from credit report.

 

What Items to enclose with the credit bureau dispute Letter

The credit bureaus require you to verify your identity in order for them to investigate and send you dispute results back

–Photo ID: This could be any state or government-issued identification

–Proof of Residency: This could be a recent utility bill, or bank statement, mortgage statement, or a copy of your home rental agreement. It should show your name and current mailing address.

— Proof of SSN#: This could be any state or government document showing your SSN#. Or a page from your tax return, W-2, paystub, or 1099, etc.

Any Supporting Documentation: This could include anything that could support your dispute claim, like a letter of deletion from the creditor.

Wait for 30 Days for the Dispute Completion:

Within 30 days after receipt of the letters by the bureaus, you should receive the investigation results from them.

SIMILAR READ: How to Remove Charge-Offs from a Credit Report

The results will show what accounts were disputed and whether they were deleted, updated with new information, or remain unchanged. Learn more about how to remove dispute comments.

 

How to dispute accounts with credit bureaus: Phone, Mail, Online or Fax?

Most consumers dispute accounts by phone or online.
This is a huge mistake!

The three major credit bureaus, Experian, Equifax, and Transunion, allow you to pull a free credit report directly from their websites every 12 months, or from annualcreditreport.com, or through sites like CreditKarma.

Those reports will provide you with a link to dispute online and a phone number for the credit bureau’s customer service dispute center. (Learn more about how to contact credit bureaus here)

Phone and online disputes, although maybe the simplest ways to dispute. Any serious credit repair expert will tell you never to use this method.

Why? Consumers are at a disadvantage every time they do this.

Firstly, the credit bureaus make consumers agree to innocuous-sounding waivers, which in fact make clients give up their rights to re-investigation.

Second, without a proper paper trail, the credit bureaus do not have to fear the threat of lawsuits. So the bureaus can take online and phone disputes less seriously.

This means less thoroughly investigated disputes that lead to items not being deleted from the credit report.
So using an actual credit dispute letter and mailing or faxing will serve you much better.

Watch this video to understand your state and federal rights, and how to utilize them to protect yourself and repair your credit:

 

Common mistakes to avoid with credit dispute letters

So over the years, I’ve seen clients of mine make errors that end up hurting their chances for deletion.Here are ways to avoid these mistakes:

A) You shouldn’t threaten legal action of any kind unless you have reason to do so.
B) Do not dispute any positive items on your credit report, once removed they cannot be re-inserted.

C) Do not dispute any inquiries linked to accounts you’ve legitimately opened, your inquiry dispute will be forwarded to the creditor, who may close the account fearing fraud.

D) Make sure to include entire account numbers if the same creditor is reporting multiple accounts. You do not want the wrong account disputed and deleted.

What accounts you should never challenge with credit bureaus

I absolutely cannot stress this enough; When trying to repair your credit, DO NOT dispute any legitimate debts that fell behind recently, which you cannot afford to pay off.

Here’s why – Creditors can legally sue consumers within the statute of limitations they are allowed by the state the debtor resides in.So, check the statute of limitation for debts in your states before disputing any large unpaid accounts.

For example in California, the statute of limitations for debts is 4 years.

Here’s what this means: If you live in California, creditors can sue you for up to 4 years from the time you defaulted on a debtDisputing accounts that lie within the statute of limitations may incite the creditor to take legal action against you.But this does not pertain to items that are resulting from identity theft.

 

What type of accounts can you remove with a credit report dispute letter: 

You can dispute the following questionable items:

Credit account-related Disputes: Charge-offs, late payments, missed payments, collections (including medical bills), repossessions, student loans, installment loans, auto loans, mortgage foreclosures. Virtually any account that is reporting on your credit file.

Public records: These include, IRS tax liens, state tax liens, judgments, and bankruptcies.

Credit Inquiries: Requests for your personal credit report, aka credit inquiries, are recorded by the credit bureaus and kept on record for 2 years. You can dispute credit inquiries that are questionable and improve your credit scores by getting them deleted.

Personal information: You can dispute to get removed or have the bureaus update all your personal information including your name, current address and previous addresses, your phone number, your employment information, your date of birth, and SSN#.

 

How to dispute recent late payments and recent collections

Something you must know – Any recent collection, or recent late payments, cannot be removed from your credit report with a credit bureau dispute letter.

How to remove these:

Recent late payments: For recent late payments within the last 2 years or on open accounts, the only way to get these expunged is by utilizing the direct creditor dispute method. For older late payments, the credit bureau dispute letter would work.

Recent collection accounts: For recent collection accounts, which fell behind within the last 4 years that are valid, the most effective way to get these expunged is to utilize the pay for delete method, where you offer to settle the account in exchange for deletion from your credit report.

Older collection accounts: Or for re-aged collection accounts, you’ll need a debt validation letter, where you challenge the debt with the debt collector first.

After the collection company receives your letter, only then should you send out a credit bureau dispute letter. This way the collector is being asked for verifications on two fronts, by you directly and from the bureaus as well.

 

What to do if the credit bureaus do not correct your credit report

Sometimes the bureaus won’t send you the investigation results, as they may deem your identification information incomplete.

Regardless, they are required to investigate the items you requested.

So, here’s what you do:

Pull your updated credit report after about 35 days from the time you mailed out the dispute letters.

Then check on each bureau if there have been any deletions or any accounts showing they are “under re-investigation.”

These two indicators should let you know if the bureaus actually investigated your claim or not.

If you find no such indicators, refer back to your certified mail tracking information and confirm the bureaus received the letters.

If the letters were received, then you can move to lodge complaints against the bureaus, as discussed below.

 

How to file regulatory complaints against the bureaus and creditors:

In the event that the bureaus do not investigate or correct your credit report,

Then you take more extreme measures…

You lodge a regulatory complaint with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov.

What’s great about the CFPB is, you can also lodge complaints against creditors and collection companies here.

The CFPB forwards these complaints to the party you lodge a complaint, who must respond back to the CFPB within 30 days with a resolution.

They also collects data on the number of complaints filed against each institution and may take regulatory action against them if they notice a pattern of violations.

 

Using the Section 604 dispute letter/ Method of Verification Letter

Now if the CFPB compliant doesn’t do the trick

Here’s what you do then:

You exercise your right under the FCRA Section 609 and Section 604 to request a method of verification.

Through another important tool known as the section 609 dispute letter or section 604 dispute letter, both dispute letters are similar.

This is how it works – you’re asking the creditors to provide you with details pertaining to how and with whom they verified the information you disputed.

 

The sample method of verification letter

Here is the template for the Method of verification letter:

Full Name

Mailing Address:

Date of Birth

{If Sending to Experian: P.O. Box 4500, Allen, TX 75013}

{If Sending to Equifax: P.O. Box 740256, Atlanta, GA 30374-0256}

{If Sending to Transunion: Consumer Disputes, P.O. Box 2000, Chester, PA 19016}

{Date}

RE: Investigation Request to Delete Credit Inquires

I sent your company my dispute on {Date}, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information:

1. The date you contacted the creditor
2. The contact information for the creditor
3. The name of the person who verified the item to you
4. The method of communication you used to verify this information
5. Did the creditor provide you with my SSN, address, and Date of Birth?

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

Truly,

{Name}

{Signature}

 

If credit bureau disputes are not successful, seek professional help :  

Now credit bureau disputes are not the end all solution for credit repair and often don’t remove all negative items.

Hence,  some cases require professional and legal help, especially when a handful of stubborn items are keeping your score down

Over the last 20 years, I have helped my clients remove hundreds of late payments from their records.

Reach out if you’d like to see if I can help you too!

imax-free-credit-repair-consult-banner

 

Any Questions?

Find credit repair near me or call us:

(866) 611-4629
Imax Credit Repair Firm
5.0
Based on 128 Reviews
Evelyn C.
Evelyn C.
2022-11-28 13:21:52
Having a credit card debts can actually be a very bad experience. I didn't get approved because of my debts, I mailed JEFFCLOUD about my credit issues. He...
Kenzo B.
Kenzo B.
2022-11-14 17:11:34
Don't miss out on getting your credit repaired with SKYPLUS760 credit specialist. He gave a very great help to me and my old time friend to fix our credit...
Chris W.
Chris W.
2022-11-10 05:35:25
I recently got in contact with an ethical hacker that erased negative report off my credit and increase my bad score from 500 to 790 excellent score and...
Wilson M.
Wilson M.
2022-11-08 12:15:07
I'll like to share my story too. 2 months ago I was homeless, I desperately needed help in increasing my credit score to be able to obtain a new place to...
Alice K.
Alice K.
2022-11-08 04:47:32
I have never been this happy in my life. I contacted JEFFCLOUD CREDIT SOLUTION 3 weeks ago to fix my credit and the process was supposed to last for 14...
Mylon H.
Mylon H.
2022-11-03 13:30:06
Ali is amazing. He is very proactive and keeps his word. I had a fraudulent account on my credit report and he got it removed and won me a nice settlement...
Anna T.
Anna T.
2022-10-28 16:57:30
A good credit profile is a very important tool for anyone who needs financial freedom. SKYLINK CYBER SERVICES helped me to achieve optimum credit profile....
Jollina D.
Jollina D.
2022-10-22 19:02:55
I came across so many reviews about PARAGON CREDIT SOLUTION for the great job they are doing. And I was very need of a good hacking company to help Me and...
Gordon W.
Gordon W.
2022-10-15 08:35:23
I strongly recommend the immense service of JEFFCLOUD CREDIT SOLUTION, He improved on my FICO ratings from 565 to 802 in 7days across all the 3 credit...
Charlotte S.
Charlotte S.
2022-10-14 13:42:01
I encountered challenges of getting a new home because of awful financial records, I entered a credit repair deal with JEFFCLOUD CREDIT SOLUTION, the...
Allison C.
Allison C.
2022-10-12 14:37:49
After my marriage 3 months ago, I applied for a home loan, so that I and my wife could move to a better apartment, but I got a negative reply, which I was...
Alice L.
Alice L.
2022-10-11 06:03:42
Having a messy credit is definitely one of the biggest financial problem one can have, I needed a loan to get a car so has boost my bad financial condition...
Gordon W.
Gordon W.
2022-10-05 21:06:09
Don't fall Victim like i did, I've been ripped off a couple times before I luckily got a reliable contact named JEFFCLOUD CREDIT SOLUTION that works with...
John R.
John R.
2022-09-13 11:18:37
I had an issue with my BMW account that was not under my control. I spoke to Ali (he even gave his mobile number) and he was professional and optimistic he...
Esseff P.
Esseff P.
2022-09-02 12:21:23
So if you notice my reviews I specifically reserve yelp for horrible experiences. So that should go a long way when I post this incredibly positive...
Addison C.
Addison C.
2022-06-22 07:32:59
I was very VERY skeptical when I set out to have a late payment that was incorrectly posted to my credit removed. I was even skeptical of all of the 5 star...
Shelby L.
Shelby L.
2022-02-12 09:03:57
If you have long term financial goals but are feeling discouraged, then I can assure you that Ali's Team is where you'll find hope. During my initial...
Lazaro V.
Lazaro V.
2022-01-25 15:34:17
Amazing results Ali got 3 collections removed from my credit in very short time worth every penny
Elizabeth K.
Elizabeth K.
2021-10-25 03:44:15
I wish I would have read the reviews before I pick this company. There's a review of mine on there with my picture. I have called the Business Bureau and...
John R.
John R.
2021-10-21 02:21:14
What I expected from the website was more than the service I was rendered, my score is pretty much in the bads and with this company its going to take me...
Alfred H.
Alfred H.
2021-10-20 16:52:02
The last time I had a credit card score increment through a third-party was in 2018 because I needed it for an emergency then and there was no alternative....
Napoleon M.
Napoleon M.
2021-10-20 00:50:36
I wish I would have read the reviews before I pick this company. There's a review of mine on there with my picture. I have called the Business Bureau and...
Cindy G.
Cindy G.
2021-10-19 06:09:49
I'm so grateful to those who recommended [email protected] to me !!! When I say it's one of the best investments I made in myself this year....
Judith W.
Judith W.
2021-10-18 08:12:02
The truth is increasing a credit card score is not a child's play, it requires a level of sophisticated tech skills. Credit cards are designed with complex...
Joshua S.
Joshua S.
2021-10-18 02:55:51
I wish I would have read the reviews before I pick this company. There's a review of mine on there with my picture. I have called the Business Bureau and...
Elmer W.
Elmer W.
2021-09-27 12:58:20
If you have been the victim of an unregulated binary options scam or any scam at all then you are 100% eligible according to the law to recover what was...
Meg O.
Meg O.
2021-09-09 07:52:43
I had a consult with Ali a few weeks ago. He was incredibly thorough and responsive to the concerns I had with items on my credit report. He advised me to...
Rhonda W.
Rhonda W.
2021-08-17 18:45:43
8 Months back I needed to pay up my mortgage and as well change my car so I applied for a long and was declined because my credit was bad and got lots of...
Mary M.
Mary M.
2021-08-03 18:56:45
I went through a divorce with my husband and I was in a terrible situation that I urgently needed to repair my credit. I was able to find a hacker called...
Binny M.
Binny M.
2021-06-30 08:58:47
I've used Ali several times over the years for my own clients and he's been nothing short of amazing. He responds quickly, gives honest feedback, and is...
Shane B.
Shane B.
2021-02-18 12:59:02
Ali and his team work miracles ! I had an American Express business debt that was being listed on my personal credit. Couldn't get anyone to remove it and...
Jeffrey S.
Jeffrey S.
2021-01-11 19:22:22
The other reviews speak for themselves. This guy is who he says he is and is truly a gem. The amount of money Ali saved me will equate to hundreds of...
Ted j.
Ted j.
2020-11-01 03:02:59
This company was very helpful answered all my questions and even said if anything came up on my report that I was not sure about to contact them and they...
Anthony B.
Anthony B.
2020-10-30 19:28:21
Ali is truly amazing. I have been trying for years to get rid of 2 bad accounts on my credit. Within 1 month, he was able to get Capital One to completely...
Mary M.
Mary M.
2020-10-23 02:04:19
I am very thankful to [email protected] for helping me regain control over my online reputation and look forward to working with them in the...
Theresa Y.
Theresa Y.
2020-09-03 21:29:08
What can I say other then Ali is simply amazing. So very helpful and knowledgeable! My situation didn't require me to hire Ali but he sure did take the...
Rein d.
Rein d.
2020-08-24 14:33:24
thank you so much for the help Mr. Ali, It was such a blessing to meet you and helping me out for our credit needs. You Have a heart to help people like me...
Tyson L.
Tyson L.
2020-07-13 09:46:01
I don't really leave reviews, but Ali was exceptional. Ali was patience and very professional. He was quick at responding back to me even during COVID 19. I...
Abdullah S.
Abdullah S.
2020-07-10 12:31:08
Very honest person and ultra professional If you looking for honest advice and good work this is the place you put your trust in
Luke H.
Luke H.
2020-06-26 18:15:48
Ali and Jose were amazing to work with even during covid19. There was an issue with one of my credit cards that was impacting my credit score that I didn't...
Brainard C.
Brainard C.
2020-05-31 14:30:56
Permit me to introduce this life saver Lexington Law is so frustrating because I was with them for 3 years and my score only jumped by 20 points, only 3...
Alireza S.
Alireza S.
2020-05-13 20:49:13
Ali is great! Smart and responsive! I really enjoyed working with him. I found an issue in my credit history, which I had no idea about it, when applied for...
Annette N.
Annette N.
2020-04-28 15:52:21
Mr Zane has provided me the assistance without charging me a penny. He asks for what the prob is and gave me step by step instructions since with the...
Patrick R.
Patrick R.
2020-04-13 19:50:17
I really loved and enjoyed the generosity, 100% responsive and 100% credit repair service offered me at Debooth Credit Solution. Hit them up for credit...
Robert O.
Robert O.
2020-04-07 14:15:15
[email protected] is real and good to recommend. I review comment and testimonies about him in trust and also the name 760PLUS motivated my...
Julie R.
Julie R.
2020-03-19 04:03:05
Ali was amazingly generous with his time and knowledge. He provided me with much needed information about a complex credit problem I was having. It was a...
Girish B.
Girish B.
2020-03-02 13:12:41
I had worked with Ali 2 years ago to clear up my credit report. Ali was very thorough, informative, and easy to work with. He was also super transparent and...
Malcom W.
Malcom W.
2020-02-15 17:00:07
My credit score moved from below 500 to over 780 across all credit bureaus. Not just that, he also helped me take down some major debts. This is not a joke,...
Brenda P.
Brenda P.
2020-02-13 16:04:52
Hi Folks my name is Brenda Parker; few weeks I was looking for possible means to get my credit fixed searched online followed instruction on YouTube video...
John O.
John O.
2020-02-07 02:05:22
I cleared my debt total of 40,000 dollars last year. It was very easy for me with the help of Globaltechnologies46 (AT) G mail (dot) Com. I contacted him...
Austin B.
Austin B.
2020-01-18 23:52:57
Happy to have honored my mother in-law's invitation last week for she helped introduce me to 760PLUS CREDIT SCORE who did a wonderful job by clearing all...
Joan C.
Joan C.
2020-01-04 14:38:02
I am Joan Cole from Texas just want to inform everyone out here seeking for a lasting solution on credit repair to contact OCTOPUS CREDIT SOLUTION on...
Fatima L.
Fatima L.
2019-12-02 23:38:31
Team XAP did me a great deal with less the amount these scammers took from me. XAP CREDIT SOLUTION increased my score to 800 removed all the negatives...
Audrey K.
Audrey K.
2019-11-20 13:01:18
Recently we applied for a mortgage loan, due to sub-prime mortgage mess, we had approval and then overnight the bank went belly-up. Our credit score was...
Sherry K.
Sherry K.
2019-11-12 15:59:49
With joy in my heart I'm happy and a proud owner of a brand new SUV, Few months back I was in a very terrible situation couldn't turn right or left my...
Bradley M.
Bradley M.
2019-11-11 18:09:41
DEBOOTH is splendid and offers reliable, and fast services. My bad financial record was written off within 8days of contact. DEBOOTHCREDITSOLUTION helped me...
Margret L.
Margret L.
2019-10-28 16:31:26
Greetings, I want to use this medium to appreciate Ghost Virus for helping me clear all negative items on my credit depriving me from a lot of things I...
Betty L.
Betty L.
2019-10-23 07:59:36
I 'm using this opportunity to recommend and show my gratitude to a professional hacker OCTOPUS CREDIT SOLUTION who has proven his professionalism by...
Glad D.
Glad D.
2019-10-19 20:12:28
I had a nasty company report an 89 cent and 4 dollar payment as late to the bureaus. This effectively resulted in my score dropping 159 points. Did my...
Angelina S.
Angelina S.
2019-10-17 23:53:16
I finally got my credit fixed through the help of a credit company XAP CREDIT SOLUTION, this company prides itself with various levels of credit repair....
Emily R.
Emily R.
2019-10-17 13:48:31
I just want to share this testimony to encourage those with bad credit report whose life seems unbearable and uncomfortable. I have been battling with same...
Scott L.
Scott L.
2019-10-15 22:17:26
Am Scott Lewis, I really want to appreciate the Almighty God for restoring my financial status through the help a stranger who is into hacking,credit repair...
Kathy P.
Kathy P.
2019-10-14 14:15:48
Kathy Potter West Virginia, I'm writing this review to appreciate Ghost Virus the credit repair specialist. Few weeks back I needed an urgent credit repair...
Rose J.
Rose J.
2019-10-11 00:44:47
I came across a credit specialist on a beautiful morning while searching for a hacker to fix my credit so as to enable me apply for a business loan to...
Cheri P.
Cheri P.
2019-10-10 02:56:05
I consulted with Hack West Credit Repair ([email protected] and +1 (424) 307 2638) early this year when I first started a career in the oil and gas...
Margarida B.
Margarida B.
2019-07-15 05:16:16
My husband was fighting cancer and it almost crucified us, I needed my credit cleaned so I can get a place to live with my family. I had repos, late...
Maui ..
Maui ..
2019-07-12 14:15:26
I did not get to use Ali's services (yet) but I inquired about a potential credit situation and whether he would be able to help. Ali was responsive to my...
Godson W.
Godson W.
2019-07-10 00:08:14
How do I appreciate [email protected]/+1 424 307 2638? Hack West helped in raising my credit card limit from $10000 to $20,000 limit in couple of days....
Alexander D.
Alexander D.
2019-06-28 16:27:42
I rarely leave a Yelp review, but Ali and his team fully deserve it. I had a late payment posted from Credit One bank after 5 months of my account being...
John A.
John A.
2019-06-27 14:49:33
I must have talked to 10 credit counselors/advisors before I found one I was comfortable working with. When I talked to Ali, I knew immediately I wanted to...
M P.
M P.
2019-06-27 07:13:02
Amazing! Did EXACTLY what they sought out to do. I'm actually quite shocked as I didn't think they would get rid of as many negative accounts as they did....
Sean P.
Sean P.
2019-06-19 16:44:37
These guys are the most reputable and honest company around. Ali and his team go out of there way to help and give great advice. They helped me with my...
Shiran K.
Shiran K.
2019-05-28 10:11:46
Hands-on the best talented individual I have ever had the pleasure to work with. It's not only the final result which was removing late payment on my credit...
Joan B.
Joan B.
2019-05-21 14:59:47
I have been researching people who could help me get out of this debt quickly and I stumbled across several positive reviews about HACK WEST CREDIT REPAIR....
Joseph S.
Joseph S.
2019-05-21 02:35:18
Hello, My unprofaned gratitude goes to Dr. Ahmed Krishna, Investment/Loan adviser to some Arab Investors Based in Saudi Arabia Middle East. They have funds...
Juliet S.
Juliet S.
2019-05-20 07:08:31
My husband and I were trying to get a VA mortgage. My scores changed fast, major ups and downs to the extent it dropped 123 points when my student loan...
Juli H.
Juli H.
2019-04-24 17:56:13
I had a few questions about hard inquiries and Ali was very helpful and honest and he said that at this point my credit issues can only solved by me paying...
Irvinne O.
Irvinne O.
2019-03-27 15:39:08
Ali got back to me asap and explained to me that his team could not help me with my financial needs but he pointed me in the right direction and he was very...
Lan M.
Lan M.
2019-02-16 23:18:20
Ali was able to remove the collection item on my credit report within 45 days! My credit scroe is now back to 750 from 660. He was very patient and...
Fred T.
Fred T.
2018-12-03 12:10:36
Ok let me tell you my story: Last October I made a payment for my vehicle on their app. 30 days later I logged in to make the payment for month of...
Shiran K.
Shiran K.
2018-11-02 10:56:15
Hands-on the best talented individual I have ever had the pleasure to work with. It's not only the final result which was removing late payment on my credit...
Nino J V.
Nino J V.
2018-09-21 21:05:28
I consulted with Mr. Ali Zane over the phone 9/7 about my post bankruptcy 6 years ago where some of the accounts are reflecting negatively and...
Zoey S.
Zoey S.
2018-09-11 10:21:01
Ali Zane was extremely helpful. He answered all of our emails and returned our voicemails quickly. He took his time to explain things we had questions about...
Shiran K.
Shiran K.
2018-09-05 13:44:58
Hands-on the best talented individual I have ever had the pleasure to work with. It's not only the final result which was removing the late payment on my...
Rachael M.
Rachael M.
2018-07-25 09:25:59
Something popped up on my report that wasn't mine. Ali's advice is clear and concise. It was way easier than I anticipated. I will refer all my friends to...
Allen R.
Allen R.
2018-05-21 16:53:12
Ali was really helpful and honest. I called to check if its possible to remove one negative item that I have in my credit report. Ali was asking me to get...
Preston T.
Preston T.
2018-04-25 11:12:08
I called Ali to review my credit report to make sure everything was in line. First, he was very proactive and responded very quickly to my voicemail. After...
Deborah K.
Deborah K.
2018-03-12 14:31:50
Super straightforward, easy and helpful. Gave me odds on whether or not they'd be able to get two delinquencies removed from my report.I They got them...
Charles K.
Charles K.
2018-03-02 14:15:43
Ali gave me a free short 2 minute consultation on the issues I was facing with my credit and told me to wait a month before checking with him. If I do have...
Next Reviews

Any Questions?

Our team of credit repair experts are just a click or call away.

Find credit repair near me or call us:

Menu