Top Los Angeles Credit Repair Company
Los Angeles, California is one of the most beautiful places to live, but it’s also one of the cities that have the highest costs of living. In 2021, the State of California had an average credit score of 703, a little below the national average credit score of 711.
Because of the standards of living in Los Angeles, it’s easy to get entangled in financial issues that cause credit scores to tumble. Hence the importance of managing debt, improving credit, and building a solid financial foundation for the future.
Individuals with a high credit score are well on their way to a bright financial future, getting the perks of lower interest rates for home and auto loans and expanding their life savings. If your credit score needs fixing, you’ve come to the right place. Imax Credit offers comprehensive credit repair services that help you increase your credit score in as little as 45 days!
How Does Credit Repair Work?
Late payments, incorrect negative items, and identity theft are among the biggest culprits that cause FICO scores to dwindle. Credit repair focuses on eliminating these problems in a credit report to boost FICO scores and help an individual maintain good credit moving forward.
Free Credit Evaluation and Action Plan Formulation
At iMax, our credit repair process begins with a thorough evaluation of our client’s credit reports. Our experts leave no stone unturned to identify any negative items that may be impacting their credit score.
After determining the root causes, our specialists create a personalized action plan to solve credit issues, each tailored to our client’s specific needs, goals, and situations.
Disputing and Removing Negative Items
Within the action plan are efforts to dispute and ultimately, remove negative items on the credit report. We have a team of attorneys who specialize in credit report disputes, who communicate directly with the client’s creditors and loan institutions to resolve and remove negative items.
In some cases, legal action may be needed, in which our associate attorneys have the experience and track record. We build a solid case against creditors and loan institutions, leveraging FCRA violations, state, and federal laws in our filings.
Maintaining and Increasing Credit Scores
Removing negative items goes a long way in increasing credit scores. But Imax Credit takes it a couple of steps further with efforts to maximize credit health. We do this through consolidating debt, lowering account balances, and helping our clients get approved for credit cards that will maintain and rebuild their FICO scores.
Our Credit Repair Los Angeles Services
Our credit repair services encompass a wide range of situations and problems. We offer general credit repair and credit restoration, as well as specific services for home mortgages and business loans in all LA including Hollywood, Beverly Hills, Venice Beach, and Santa Monica.
General Credit Repair and Restoration
A low credit score can get in the way of opportunities to buy a house or car, save for retirement, and build a stable financial future. Our team at Imax Credit offers tailored services to help individuals repair their credit scores and get approved for a housing application, car loan, or credit card.
We remove erroneous information in credit reports and create an action plan to help our clients optimize their FICO scores and get back on track with their life goals.
Credit Repair for Home Mortgage and Refinancing
Individuals with a low credit score have a harder time getting approved for mortgage loans or are given higher interest rates. Our credit repair services for home mortgages and refinancing help clients rebuild their FICO scores to unlock opportunities to buy or remodel a home. By optimizing their credit reports, we put them well on their way to purchasing their dream homes.
Credit Repair for Business Loans
Starting a business requires a huge amount of capital, which is often obtained from banks and lenders in the form of a business loan. A low credit score can get in the way of approval, so aspiring business owners should first repair and optimize their credit scores.
Imax Credit has a tailored credit repair service that specifically helps clients secure business loans and obtain the financing they need to kickstart their business ventures.
What You Can Expect from Credit Repair Consultancy
Credit repair is easier said than done, with all the complex terms and bells and whistles involved in it. That’s why you need the help of experts to navigate your credit reports and history and advise you on the best ways to build and maintain your credit score.
Our credit repair consultancy will evaluate your credit history and create a solid, concrete plan to eliminate negative items and optimize your FICO score. As a result of a higher credit score, you can get approved for home or auto loans at low-interest rates, own a business, boost your savings, retire early, and secure your financial future.
Impact Of Credit Repair Scores On Financial Products
A high credit score allows you to unlock more opportunities to secure financial stability and freedom. Banks, lending companies, and other bureaus use credit scores as a threshold to determine whether or not to approve a loan application, as well as how much and at what interest rate.
Individuals with low credit scores are charged higher interest rates for home, auto, or business loans, which puts a dent in their savings and extends their road to retirement. Further, an individual with a credit score that is below 630 will not be cleared for any funds or approved for any loan.
Frequently Asked Questions
Can your credit really be repaired?
Yes! Most credit score problems have to do with late payments, erroneous or negative items, or even identity fraud. With the right credit repair company, these problems can easily be fixed. Our specialists can create a tailored action plan and speak to your creditors on your behalf to resolve credit issues. If legal intervention is needed, our attorneys can file the right cases for you.
What affects your credit score?
Credit scores are affected by your payment history, the amounts you owe, the length of your credit history, the diversity of your credit accounts (credit mix), and the new credits you open. If your credits reflect missing or late payments, negative items, or mistakes, among others, these can hurt your FICO score.
How much does it cost to get credit repair?
Hiring a credit repair company will come with extra costs for their service. But the price you pay is well worth it, considering that specialists will handle the entire process for you. Although you can repair your credit yourself, it’s not recommended due to the volume of work and the complexities of the process.
Imax Credit offers free evaluations and action plans where we go through your credit history and identify items that need to be disputed. From there, you can decide if you want the assistance of our credit repair specialists and attorneys to help you increase your credit score and maintain it.
Time to Increase Your Credit Score
Don’t let bad credit get in the way of your dreams and financial freedom. Work with our firm today and improve your FICO score fast. Get a free credit evaluation today.