Customer Reviews

Imax Credit Repair Firm
5.0
Based on 144 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

How to Remove a 30-Day Late Payment Incurred During Covid-19 Pandemic

10 min read

16 Comments
imax credit repair covid blog image

The Covid-19 pandemic has had a tremendous impact on all aspects of life, and the one area that’s been especially hard hit is credit. If you’re looking for how to remove late payments during Covid-19 then I have just what might be the perfect solution: proven strategies with guaranteed success to improve your credit score!

Prior to when we realized there would even be an outbreak in 2020 many people were fortunate enough not only to live through their financial constraints but also maintain excellent credit scores due to both patience and discipline – meaning they could easily qualify again once things settle down from establishing themselves financially post-crisis (or prepping now if one plans ahead). 

That said, there is hope on the horizon for those who have been impacted. Read on to see how to remove late payments during Covid-19.

Can a 30-60 day late payment be deleted that was incurred during the pandemic?

The answer is yes. A late payment can be deleted if it was incurred during the pandemic. Although there are multiple avenues to pursue in this situation, Congress has not helped by leaving it up to lenders to decide on who gets a late charge and who doesn’t – especially since those with older unpaid debts will have been dealt with before now by other means such as collections agencies or bankruptcies filed without their knowledge (which is known these days). If you suffered a hit to your credit score as a result of the pandemic, there are options for how to remove late payments during Covid19, as well as charge offs, or reposessions.

READ MORE: Increase Credit Scores – 4 Simple Hacks

Removing late payments during Covid-19 if you’re able to make all the past due payments?

If you’re currently able to make all payments and are financially stable, but just had a missed payment or two, then here’s what you need to do:

STEP 1: Call and Speak to the Creditor and ask to remove late payments during Covid-19

Call the lender, request that they remove the late payment due to Covid-19 from your credit report. State it was incurred due to the coronavirus outbreak and you’re able to make the past payment today.

Stress if your state or city had a ‘shelter in place,’ at the time of the missed payment. Mention if you were quarantining yourself due to Covid-19 symptoms. Also provide proof if you were traveling and stuck abroad due to border closures, or incurred loss of income due to health issues resulting from Covid-19.

Be sure that the phone representative is clear about you wanting the “late payment removed,’ which should not be confused with “getting the late payment fee reversed.” Now you can also suggest they backdate a payment deferment for you so that there was no payment due the prior month.

If they don’t agree to remove the late payment or give you a back-dated deferment to remove the late payment then make your payment. This will at least keep more lates from coming on and move to the next step.

STEP 2: Engage the creditor’s ‘executive resolutions’ or ‘office of the CEO’

Most lenders have such a high-level customer resolutions department, which goes by different names, depending on the lender. Capital One has an executive resolutions department and so does Chase, Bank of America, Amex, and virtually every major lender.

Just do a google search to either find the phone # for this department or Google for the email address.

If all else fails, simply find out the headquarters address of the lender. Send it overnight and with a signature required, addressed to the CEO. Include your phone # and email, and chances are very high that you’ll get a response back.

STEP 3: File a CFPB complaint against the creditor

I’ve found this to be a highly effective strategy over the years. Consumer Financial Protection Bureau (CFPB) is a government agency whose purpose is to protect consumer rights in the financial sector. Their website www.consumerfinance.gov, has an online complaint portal, where you can simply have to do two things, state what happened and what resolution you seek. Once you file this complaint, the CFPB forwards the complaint to the creditor. The creditor is required to respond back in about 15 days with a resolution.

STEP 4: Hiring a Professional to Help: how to pick the right credit repair company

Unfortunately, after running a credit repair company for over ten years I have seen that the industry is riddled with unscrupulous businesses who prey on consumers. In fact, even some of the most successful companies in this field (Lexington Law & Creditrepair.com) were sued by our government’s consumer protection agency because they charged illegal upfront fees and used devious marketing tactics which misled people into thinking their services would be free when actually it cost money upfront before providing any legitimate services.

So how do you pick the right credit repair firm? There are 3 things to look into.

The first is to check their Yelp page for reviews and read through them. Most other review sites, like Google reviews, make it easy for anyone to leave a review. Yelp, on the other hand, is very intelligent in filtering fake reviews. Back in the day, the BBB used to be a credible source. Unfortunately, businesses that pay them may be listed with higher priority.

Second, make sure they don’t charge any upfront fees and charge you only if and after your credit is repaired. Yes, that means no monthly fees or any fees until you see results produce.

Lastly, check if there are licensing and registration requirements for credit repair companies. Check to make sure the company has a license to operate in your state. For example, in California, credit repair companies are required to be registered with the California Attorney General’s Office. They must also post a bond for $100,000 with the Secretary of State.If you find a company that satisfied these 3 requirements, then you should be good to go!

Click the link below for a free consult  to remove lates

or for questions email me at [email protected]

 

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.

16 Comments. Leave new

  • I recently incurred a late on my mortgage with Shellpoint mortgage, what can I do to remove this since its not incurred during covid. ?

    Reply
  • Kelly Macyntire
    November 14, 2022 9:10 pm

    Hi I have one late payment with Capital One and Bank of America because of Covid and my daughter being hospitalized. I’ve followed the steps but have come across a stone wall , what could I do with your help ?

    Reply
    • Hi Kelly with Bank of America, we can get adjustments but it could only happen for a 30-60 day late within the last 12 months, and it has to be a credit card.
      With Capital One we’ve had good success as well, both with cards and auto loans.
      Just sent you an email,

      Reply
  • Hello, i received two ever late (30 days) on my Synchrony Amazon credit card, Banana Republic Card and Citi Costco credit credit in February/March 2022 after getting hospitalized with Cellulitis on my face reaching the bones of my jaw while also being diagnosed with Covid. The infection alkost spread to my brain and the pain unbearable. I was hospitalized and on a continuous Morphine drip for a month and after being releases it took another month of home care before returning to work, and I am still not fully healed. i had told the creditors what was going on as i realized i believe the day after i received the mark…It was literally a day to at the mist a week over. Im not really sure of anything as i was also having a mental breakdown. I am still dealing with extreme hardship and applied for a personal loans and was denied bc of these marks and utilization. i spoke with the creditors and poured my heart out to them and they told me that they cannot remove it. i have disputed it online and have lost. What should I do, it seems very unfair.

    Reply
    • Hi Alex, seems you’ve gone through a torrid time and this has really affected the credit negatively. I’d first recommend getting your document proof of hospitalization from the hospital. Then call each creditor , ask them where you can send this proof in order for them to review and make an exception to remove the late payments.
      Generally Amazon and Banana Republic may grant this exception, however Citi Costco card may be tougher. In any-case, let me know how things transpire , I’ll be able to render professional help if you hit a brick wall.

      Reply
  • Tiana Moore
    May 2, 2022 7:28 pm

    Hello, I have a 60 day late payment on my loan with Bank of America credit card account. I had a 100% payment history prior to this one late payment. I did make the regular payment without the late fee they attached before the 30 days but they still reported me 30 days late. The reason I was late is because I had to pitch in to lay a family member to rest that passed away from covid. Is this something you can help with?

    Reply
    • Hi Tiana, I’m truly saddened to hear about your family members demise. BOA should have been more understanding .
      We deal with Bank of America frequently
      We do get late payments removed from BOA as long as they’re on a credit card and were incurred within the last 12 months.
      To get the ball rolling feel free to shoot me an email at [email protected]

      Reply
  • John and Marcy
    February 1, 2022 12:34 am

    Hi Ali me and my wife had a lease with General Motors Financial, aka Americredit, one lease could not be returned in time due to covid, as no dealer would take our lease return in and inspect the car.
    Due to this GM Financial ended up putting a 30-90 day late payment and then a charge-off on our credit.
    We’ve done a CFPB complaint already and followed all your steps, and GM’s executive resolution dept has given us the cold shoulder. Is there anything else to do ?

    Reply
    • Hello John, I can understand your frustration with GM, they’ve done this to tonnes of folks during Covid.
      Do shoot me an email , I need to know what state you’re in, more than likely we should be able to help.
      My email is [email protected]

      Reply
  • Hi Mr Ali Zane, so our mortgage has been put on hold due to a late payment with Synchrony Bank Amazon Card over a $10 charge, we’ve tried everything from goodwill request for removal to disputing with the credit bureaus.

    This was just an oversight, as I was attending to my husband who had covid.

    I read someone else comment you helped them remove a late with Synchrony Bank

    Please help.

    Reply
    • Hi Margie, I’m sad to hear that your mortgage has been put on hold due to this issue.
      Yes, I do deal with Synchrony’s legal team quite frequently, over multiple types of cards, include Amazon and PayPal cards.
      Shoot me an email at [email protected] .

      Reply
  • Ronnie Johnson
    January 7, 2021 12:48 am

    A Credit One late payment, is the most pressing issue in my life right now.

    They charged their annual fee and totally screwed me over and destroyed my 800 credit score, now I’m sitting at a 650.

    I’ve spoken to managers, wrote to the CEO , filed CFPB complaints and I’m being stonewalled.

    I saw that you’ve gotten late payments and Credit One charge-offs removed.

    Could you tell me what I’d need to do ?

    Reply
    • Hey Ronnie, Credit One is perhaps the worst of the banks when it comes to mistreatment of consumers.
      Their online system and customer service is awful.
      I’ve got a contact at Credit One that I can call upon to get this matter resolved.
      Email me any back story behind the account, my email is [email protected]

      Reply
  • So Ali I incurred a late payment with Bank of America and they’ve failed to remove it despite me making an argument that it was Covid related, they escalated it to higher management and still turned down my request. US Bank on the other hand removed a late for me.

    What could I do for BOA , I need to refinance my Capital One auto loan.

    Reply
    • Hi Alex, sorry to hear about this. Yes some banks like Bank of America are being extremely unsympathetic. which I feel is beyond unacceptable and extremely unfair given the trying times we’re in.

      I’ve had very recent success with them , to discuss how I can help do email me at [email protected]

      Ali Zane

      Reply

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