Credit Repair for Mortgages

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.

Credit Repair for Home Loan Service

Our 3-Step Proven Process for Increasing Credit Scores for Home Mortgages & Refinancing Applications

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

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.

Our associate attorney help file suits or arbitrations based on violations we discovered. This may cost the collection company several thousands , under this pressure collection companies delete the account.

$0 Upfront Fees to get started

Our Service Includes

Dispute Letter Writing and Delivery

We serve the collection company with a notice of impending lawsuits on your behalf.

Small Claims and Arbitration

Associate attorney helps file a lawsuit or arbitration on your behalf.

Audit and Regulatory Complaint Filing

Against collection companies to uncover violations of the Fair Debt Collection practices act and the Fair Credit Reporting Act.

A Custom Action Plan for Credit Repair

An outline of the sequence of disputes letters and legal actions to your specific banks and creditors.

Bank & Creditor Communication

A step by step guide on communicating and some cases jump on the phone with banks & creditors to negotiate a deletion.

Communication Help & Support

We keep you updated along the way via your preferred communication channel: email, text, video call, phone call.

What Clients are Saying?

Client reviews say Imax Credit is quite amazing!

Find Us On Yelp!

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 Ali and his team got it removed in 4 months. Amazing, this guy is a lifesaver as a business owner I need my personal credit A+. Having business issues listed on personal credit during a pandemic is crazy. He works Miracles wish I could give him 10 stars!

Shane B.

Elgin, OK

February 18, 2021

Ali and team are by far the most professional credit repair company you can ever deal with. Because of his help I was able to get my credit from the 590s to over 700, you would not believe the doors this has opened for me!

Lazaro V.

Miami, FL

February 3, 2021

Ali and his team are nothing short of amazing. I had a car repo on my credit which has haunted me for years. Not only did he get it removed but had it eliminated with no cost to me other than his service fee. Worth every penny and then some! THANK YOU!!!!

Judson J.

Norwalk, CA

November 19, 2021

Victoria S.

San Diego, CA

December 5, 2024

Julia A.

Fresno, CA

December 12, 2024

Christopher G.

December 18, 2024

General

Frequently Asked Questions

We have $0 Upfront fees.
You only pay us AFTER results.
So if we don’t produce results, you are charged nothing.

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

A lot of misguided credit repair scams 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 many credit repair companies to do 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 one of the best credit repair companies 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 with a customized solution for each client's needs.

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

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

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

Just like any company, in some instances, we may work on a client's 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 identify areas to max your credit score like consolidating debt or lowering account balances to maximize and maintain your credit worthiness over the long-term.

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’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.

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 carefully evaluate your credit report to identify what’s impacting your credit score. Afterwards, our credit repair specialists create a custom action plan specific to your credit goals.

Our Edge:

Registered with Dept of Justice
$0 Upfront Fees
You only pay After results
19 years of happy clients, without a single complaint.
Voted “Best of Yelp”

Watch this video to learn more

Start with a Free Credit Analysis!

$0 upfront Fees to get started