Credit Repair for Mortgages

Want to apply for a home mortgage or refinance your home with better rates?

Payment Due Only After Results

Improve Credit Scores to get Home Mortgage & Refinancing Approvals

Are you looking to buy a house? Maybe start home remodeling? Or are you need help to refinance your house for better interest rates?

Whatever the reason may be, you should not let bad credit stand in the way of this life-changing financial decision. If you have less than perfect credit or no credit at all, it does not mean that there is no hope. Our company offers assistance with repairing and rebuilding your credit so that when the time comes to apply for a mortgage you have a creditworthy report standing in front of you.

If you’re buying a $300,000 home with a 30-year fixed-rate mortgage, see examples of much interest you will pay based on credit score.

If your credit score is only 620, you may only qualify for an interest rate of 5.5%. With that interest rate, you’ll pay $247,220.54 in interest over the life of the loan.

If you have a credit score of 760 or higher, you may qualify for an interest rate of 3.5%. With that interest rate, you’ll pay $155,434.68 in interest over the life of the loan.

That’s a difference of over $91,000!

Our Proven Process for Increasing Credit Scores for Home Mortgages & Refinancing Applications

We take a white-glove approach to each credit report in order to maximize credit score increases, quickly!

1
Phase 01

We Remove Negative Credit Score Items

Our team of experts meet with you absolutely free of charge to discuss your current credit situation and how we can help.

02
Phase 02

We Optimize Your FICO Score

In addition to removing negative items like late payments and fraudulent activity, we provide an action plan on how to actively build your credit with new accounts and credit consolidation tactics.

03
Phase 03

Prepare For Home Mortgage & Refinancing Loan Approvals

Once your credit score is boosted and stable, we will help advise on the best options for the Home Mortgage & Refinancing loans and how to get approved quickly for the rates you're looking for.

Ready to Max Your Credit?

My team’s cutting-edge process is guaranteed to restore your credit and increase your credit score in as little as 45 Days.

– Ali Zane
CEO and Credit Advocate

Ready to get approved and save on interest payments?
Payment Due Only After Results

Any Questions?

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

Find credit repair near me or call us:

Frequently Asked Questions: General

No, here’s why you shouldn’t waste your time with credit bureau disputes.

A lot of misguided credit repair “experts” encourage consumers to dispute recent negative account claiming you’ll get a deletion “if the creditor does not respond within 30 days.”

In reality, this is one of the least effective ways of restoring credit.  And it doesn’t require any legal expertise. In other words you don’t need a credit repair company to do a credit bureau disputes.  You can do it yourself online.

Here’s why credit bureau disputes have become ineffective over the years.

Today, all the credit bureaus have modernized their systems and switched to automatic dispute verifications where they correspond with the creditor via their data exchange interface, E-Oscar. (Learn more about what credit bureaus are and how they work)

Hence, unlike in the older days, no phone calls or handwritten communication is exchanged between credit bureaus and creditors.

This interface verifies millions of accounts that are disputed by consumers every month in a matter of minutes.

Now a credit bureau dispute may only have a limited chance of working in a  where you a disputing an account that was closed several years old that the creditor has no  record of

Here at Imax , we use the most effective method of addressing questionable negative items. Instead of generic disputes. our associate attorneys sue creditors to get deletions.

We’re not the cheapest , but we are the the best and most effective at what we do

As we even go as far as suing the creditors and collection companies.

Unlike most companies, we have $0 upfront fees and charge only after results.

Our goal is to come up a customized solution for each clients needs.

Hence fees can vary by person and can range around few to several thousand dollars.

But our guarantee is , if we don’t restore your credit we do not charge.

 

 

Our process can generally take anywhere from 45 days to 180 days in most cases.

Our Edge:

1.Registed with Dept of Justice

2. $0 Upfront Fees

3. You only pay After results

4. 19 years of happy clients, without a single complaint.

5. Voted “Best of Yelp”

Watch this video to learn more

Only paying off certain types of accounts will increase your score.

WHAT WILL INCREASE YOUR SCORE:

Paying off credit card balances will increase your score.

WHAT WON’T INCREASE YOUR SCORE:

Paying off auto loans , mortgages and other loans .

Paying off collections (where the collection company does not explicitly state they will delete the account)

Paying off charge-offs .

We have $0 Upfront fees.

You only pay us AFTER results.

So if we don’t produce results, you are charged nothing.

We’ve got a perfect record for privacy and security

We are registed  with the California Department of Justice  and  we are bound by and follow  the same privacy and security standards that apply to any major bank or credit bureau

We are proud to say that unlike institutions like Equifax , Wells Fargo and Chase, who get hacked periodically and have lost peoples data,

we have never had a security breach  in the nearly 20 odd years of our existence.

Just like any company, in some instances we may work on a clients credit and not be successful.

However, if that happens, the client is not billed by Imax. Whereas other credit repair companies bill clients despite not producing results.

Given we only charge after results, we do our best to only take on clients where our chances of success are high.

We have a proven track record of successfully helping clients improve their credit scores.

We’ve been voted “Best of Yelp”

For over 19 years have had zero complaints with the Better Business Bureaus

Have helped  thousands of clients achieve financial  freedom

We are :  (Licensed, Bonded & Registered)

-Registered with the California Department of Justice  & Attorney Generals Office

-Registed with the California Secretary of State

– Fully bonded up to $100, 000 (as required by state law)

– Voted “Best of Yelp”

-Licensed with the City of Santa Monica and Los Angeles

 

Note:  These are the basic requirements for any local credit repair company to do business. Unfortunately the vast majority of credit repair companies do not meet these requirements.

 

 

 

We simply charge our clients AFTER producing results.

So there is ZERO chance of you spending money for no results.

If we don’t produce results,  then you don’t pay us.

If you’ve been scammed by a credit repair company, watch this video  on how you  can help you get your money back.

We’re  big proponents of quick self help fixes, before we advise clients to  hire us.

If you’re looking into self help before hiring us,  then a pay for delete may only work  for you if there is a collection account on your credit report.

Some collection companies are allowed by credit bureaus to delete accounts once paid .

However, you’ll need to ask  the collection company to see if they have a “pay for delete” policy.

Keep in mind, banks and lenders are not allowed to do a “pay for delete,” only certain collection companies are

However, here at Imax we specialize in getting items removed with “pay for delete ” strategy by suing creditors and collection companies .

Hence, if you can’t get a “pay for delete” done yourself,  then you’ll need Imax’s professional help.

 

 

 

Looking to improve your credit score?

We have helped thousands remove negative credit items, improve credit scores, and have a proven track record of delivering results for thousands of clients in as little as 45 days.