Customer Reviews

Imax Credit Repair Firm
5.0
Based on 145 Reviews
John D.
John D.
2023-12-04 17:33:21
Wouldn't offer to help. Said creditors listed are difficult to deal with. Makes question if any of these reviews are real.
Tyra M.
Tyra M.
2023-09-15 14:37:00
Juan is the best. He successfully removed my auto late payment from my credit report and I got my points back!This is the best credit repair service and I...
J R.
J R.
2023-09-14 10:38:12
IMAX Credit has done an incredible job in removing a negative item I had on my credit. They kept in contact with me the whole time and anytime I wanted to...
Tom D.
Tom D.
2023-09-01 13:03:48
iMax credit repair is the real deal. The team is super transparent about what actions they can help perform, the process and timing to do so, and the fees...
Uilliam M.
Uilliam M.
2023-08-20 11:49:45
Rebuilding my credit and was approved for 5700 with a 680 credit score, shocked was an understatement.I APPLED BACK ON MARCH 2023 and they told me to many...
Jim C.
Jim C.
2023-06-28 05:11:16
I was sitting on my couch on a Sunday morning when I overheard them talking about Clever Credit Fix. I had to make more inquiry about how I could get this...
Max J.
Max J.
2023-06-02 02:10:08
Trust me, there are still good and genuine hackers amongst all, and I can boldly tell you that PARAGON CREDIT SOLUTION is one among the best out there, 2...
Delta A.
Delta A.
2023-05-05 14:02:28
I'm concerned with all of these great reviews for this individual. I 1st contacted this business around 3 years ago, based from your reviews. I advised him...
Kelly Jean M.
Kelly Jean M.
2023-04-25 18:37:43
I only came to the website cuz they offered a free dispute letter. NOWHERE...this letter is NOWHERE... so right out the gate... they lied to get you to...
Hountman J.
Hountman J.
2022-12-15 07:43:42
I have worked with several credit repair companies for my credit yet they were not real, and so far it's not horrible although for some reason the numbers...
Regina H.
Regina H.
2022-12-10 14:37:32
Wonderful guy and service. I reached out to get critical help on my credit. His assistant first reached out and requested additional info but then did not...
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

Increase Credit Scores – 4 Simple Hacks

10 min read

20 Comments

Credit scores are an important part of your financial life, as they determine how much you can borrow. The higher the score -the better! A Fico Score should be about 700 or more for good credit– though many people have them well over 800 now thanks to these simple techniques: maintaining a low amount outstanding on their card accounts every month; always making payments when due regardless of what day it falls on (don’t just put ’em off!) and finally, paying down any debt with the highest interest rates first so those debts don’t weigh heavy onto future applications.

What Makes Up Your Credit Score?

Perhaps you already know what makes up your credit score, but it’s worth mentioning. There are five major credit bureaus (the company’s that hold onto your personal data and financial history related to loans and other credit accounts) and they all use the Fair Isaac Corporation’s FICO scoring model. The factors break down as follows:

35%: Payment History -Are you paying back your debts on time? If so, this is a positive thing! Late payments (though recent ones can be removed) will hurt tremendously, however. In addition, if any debt has been sent to collections agencies- look out!

30%: Debt/Budgeting -How much of your available credit have you been using? It would be wiser to keep it at 20% or less, but going over 30% will decrease your score.

15%: Credit Utilization -The same as Debt/Budgeting, this refers to how much credit you have extended to you. If you never open new card accounts and keep adding to them, this factor won’t matter too much; also if the total available credit of all your cards is low (less than $1,500 or so) you shouldn’t really run into any trouble here.

10%: Length of History -How long has it been since you opened a card? The longer it’s been since opening a new account the better off you’ll be; more history means a higher chance that someone can track trends in payment and debt behavior (for example: did you use to be late but now you pay on time?).

10%: Type of Credit -This refers to what kinds of cards you have. If, for example, you only have store credit cards your score will suffer because they are looked at as low quality. However, if you have multiple types (and especially different issuers), this factor won’t matter too much.

The maximum number of points attainable using the FICO scoring model is 850.

It’s easy to have a low credit score. You can have a low score by default, be the victim of identity theft, miss a payment on a student loan or car note, or even just have an overdue bill!

However, if you’re looking to take out a loan– say, for example, for an upcoming vacation as summer draws closer — it will affect your borrowing power. In order to secure lower interest rates and save yourself some money in the long run, you’ll need to make sure your credit is up-to-date and squeaky clean. This will help increase credit scores quickly.

Fortunately, there are a number of ways to fix your credit.

How to Increase Your Credit Score Quickly

PAYMENT HISTORY CORRECTION WITH EFFECTIVE CREDIT REPAIR DISPUTES
(+/- 100 point score increase)

Here you want to make sure your credit report is clean of any kind of questionable negative payment information. Most credit repair companies just are limited to simple credit challenges but there is much more than can be done to rectify negative information on your report. May they be collections, late payments, liens, judgments, tax liens, each can be addressed in a surgical manner using the appropriate tactics below:

A) An effective credit bureau dispute letter: Utilizing this approach, you can dispute items with each of the 3 credit bureaus. This method is primarily effective for any negative information that may have fallen behind about 4 years ago or longer.

B) Advanced collection settlement techniques: If you have recent collections on the credit report which are valid collections, these are not likely to come off with credit bureau disputes, hence you want to utilize a pay for delete technique to ensure removal of these accounts.

C) Direct creditor payment delay disputes: If there are recent late payments or charge-offs resulting from a final missed payment, you will have to engage the creditor directly in a strategic dispute to get them to remove the negative reporting of the tradeline.

D) Victims of Fraud and Identity Theft: There’s a special procedure to remove fraud-related items from the credit report.

CREDIT CARD CAPACITY OPTIMIZATION BY PAYING DOWN CARDS:
(possible to increase credit scores up to 60 pts)

It is important that you pay down all your revolving account balances to a zero balance, but do not close these accounts. (i.e., keep them low and limits high). Leave only one card with around 2% of the entire credit limit open in order to make sure there are enough funds available for emergencies because this will help avoid any unnecessary fees or interest charges if something does go wrong!

LENGTH OF CREDIT & NEW CREDIT OPTIMIZATION:
(possible score increase up to 40 pts)

A) Minimize new accounts, do not open any credit accounts unless necessary or if you are looking to diversify your mix of credit accounts.

B) If you are transferring balances due to an offer from a new credit card company, a better strategy than getting a new credit card is to ask your current credit card lenders if they have any existing offers.

C) If you have closed some revolving accounts recently, a better strategy than opening up new accounts would be to call the lenders where you closed the account and see if they can re-open the same accounts and are able to keep the original open date.

DIVERSIFYING TYPE OF CREDIT ON YOUR REPORT:
(possible score increase up to 20 pts)

If your credit report is missing either an installment loan or a credit card, then opening up such an account will add to the diversity of your credit report.

Bonus Tips for Maintaining Healthy Credit Scores

1. Open a small credit line first before opening up higher limits. This will help establish your credit score which takes into account the length of time you have had credit accounts open.

2. If you have credit scores in the mid-600s or lower, get a secured credit card that can help you improve your credit score in 6 months or less. (Also check out these 6 easy ways to boost your credit score)

3. Take out a suitable credit line to match with the right income level for you. This allows you to optimally manage your credit line.

4. Make sure that the monthly payments are affordable for you so you do not pay unnecessary interest.

5. Get your credit score from all 3 credit bureaus, once a year to monitor any changes and correct them.

If you need professional assistance, book a free credit evaluation with our credit specialists.

Ali Zane – CEO & Founder Speaker

Ali is a credit repair advocate with nearly 20 years of experience providing his clients with high-level access to resources that resolve their credit problems. Ali became involved in the credit repair industry following his concern for a lack of ethical and effective credit repair services for consumers and mortgage lending professionals. He has written extensively on credit/finance and is a sought-after public speaker.

20 Comments. Leave new

  • So I closed 4 accounts a few months ago and I don’t have a credit score. What is going on ?

    Reply
    • Hi Andrew, in order for FICO to score your report, there needs to be accounts that are active within the last 6 months. So if you close all your credit accounts and do not have any credit activity for 6 months, you will lose your score. However, if you open a new account then you’ll get your score back.

      Reply
  • I’ve been working on fixing my credit profile to favorable after the carnage of my financial landscape left me climbing back to respectability after a long tumultuous Divorce process,some negative items unavoidable, some my own fault for being STUBBORN…..Even if you were to “just” study what Mr Zane has to say you will see he is different from the ” norm” in the Credit Repair Industry. He spent almost two hours on the phone verifying his experience and more so his expertise in the Industry. This was on a “Free” Credit Evaluation! Block out the people who want monthly “stipends” to pay their individuals commissions and just listen to Mr Zane evaluate your situation,no matter how dire it may seem. A true professional,Mr. Zane has a plan and when the time is right,he will strike using his skills,connections and expertise to help you as well. A great investment into your future IMO! Don’t waste more “good” money throwing it after “bad”, talk to Ali Zane to see for yourself the “truth” in what it truly takes to repair a negative credit profile. By studying what is written here first,then having a “no cost” consult will be the best thing for getting on the road to credit recovery! Thank you for your valuable time yesterday Mr Zane!

    Reply
  • I have around a 580 mortgage Fico credit score what can I do to get my credit to 640 for FHA financing ? My credit utilization is about 50 % and I have numerous outstanding unpaid collections , no late payments or charge-offs though. Goal is to improve the credit to get a mortgage within the next 90 days

    Reply
    • Hi Aaron, congrats on starting the process to purchase a home.
      So to get your Mortgage Fico Score ( Fico 5,4 and 2) up, bringing down your credit card utilization from 50% to close to 2 % will give you about 25 pts.
      Now a paid collections still affect your credit score negatively, paying off collections don’t increase the score, only deleting them does.
      So call the collection companies and offer to settle, only if they agree to delete the accounts from your reports.
      If they don’t agree to delete, then setup a free consult with me and I can help: https://www.imaxcredit.com/consultation/

      Reply
  • JImmy Finney
    April 27, 2020 8:27 am

    my credit score decreased by 25 points due to a remark on my auto loan. the remark has been deleted since so will my credit score go back up 25 points?

    Reply
    • Hi Jimmy, given that it was a recent late the score jump would be similar, however if it was an old late payment , the affect won’t be as much.

      Reply
  • Hi Ali,

    Both Equifax and Transunion launched investigations of all of my accounts (both closed and open ones). I did not request this. I had no disputes with any of these accounts. Yet, both bureaus put remarks on all my accounts stating they are “Disputed”!! This has wreaked havoc with my FICO scores, as they both keep adding/removing remarks without my knowledge or permission. At one point, Equifax claimed that my mortgage account was closed! They keep altering my account information on their own without my permission!! How can I get them to stop?? I even filed complaints against both with the CFPB, and both responses did not acknowledge this issue. They are also deleting older accounts (again, without my permission), which has lowered my credit age from 28 years to 3 YEARS! This lowered my scores significantly. Why are they doing this when I never asked them to?? Can they mess with my accounts without my approval??

    Reply
  • Great advice. I have 4 open credit cards, and my score is at a 680, would a new credit card help?

    Reply
    • Hi Andre, a new card won’t help, however, if you were missing an installment account on your credit report, then opening one up may get you upto 10 points.

      Reply
  • Brandi Stevenson
    August 18, 2018 6:33 pm

    Hello, I’m wondering how many open accounts should I carry on my credit report to have the highest score?

    Reply
    • Hi Brandi, about 4-5 open accounts is opportune, any less would not be. More is fine as well, but too many new accounts being opened bring down the score until the accounts are seasoned.

      Reply
  • Abigail Diamond
    June 3, 2018 3:43 pm

    Hi Ali, I do not have a credit score, how can I generate one asap without spending too much money ?

    Reply
    • Hi Abigail, simply look into a secured credit card if you do not have any open accounts, once you may 6 payments on an open account you should have a score generated.

      Good luck !!

      Reply
  • Paige Whisker
    April 17, 2018 10:21 pm

    Over the past few weeks, I have watched my score go down since I got a new credit card, but the balance is low on it, why did this happen ?

    Reply
    • Hi Paige, sometimes if you open up a new account the score may go down due to the fact that your Fico score takes into consideration the “average age of open accounts” and this particular account decreased the “average age of open accounts” thereby lowering your score. However, time should take care of this. You can also close more recently opened accounts if you’re not using them, but do not close any old accounts that are increasing the “average age of open accounts”

      Reply

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