2-3 Negative Items

Are you financially stable but have average credit? Start removing credit items today to get approved for loans and save on interest payments.

Payment due only after results

Credit is simply a tool, nothing more

Once you realize the banks, creditors, collection agencies don’t care about the story behind your credit or how you got to where you are, the sooner you’ll be able to take effective steps in repairing your credit.

Imax Credit is different because we don’t charge you for nothing. We don’t even take on your case if the chances of success are too low. Instead we analyze your credit report and design a custom action plan of attack on the banks and creditors we have success with.

This why huge credit repair agencies like Lexington Law and Credit.com are not successful at repairing credit. They’re only successful in general cases and charging consumers on a monthly basis for no results.

Our business model allows us to focus on your unique credit situation giving you the best chances of fixing your credit. Whether you have Late paymentsCollectionsCharge-offs, and/or Repossessions.

The R.P.L Removal Method™

A unique 3-step process that escalates each step we take to fix your credit.

We audit the collection company’s compliance records to uncover violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act & file regulatory complaints. If the collection company doesn’t delete then we move to the next step.

Here we serve the collection company with a notice of impending lawsuits accompanied by a copy of the lawsuit draft violations. If this does not work we move to step 3.

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!


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 “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.

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 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.

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

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.

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.

$0 upfront Fees to get started