San Jose – Imax Credit Repair Firm

2570 N First St Suite 200 San Jose, CA 95131

Sun – Sat, 9 am to 8 pm

Los Angeles Location

Los Angeles – Imax Credit Repair Firm

8939 S Sepulveda Blvd, Suite 102 Los Angeles, CA 90045

(323) 983-8973

Sun – Sat, 8 am to 8 pm

Los Angeles iMax Credit Location

Credit Repair San Jose CA

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Bad credit can be a major hurdle in your life. It can make it difficult to get a loan, rent an apartment, or qualify for a mortgage. Landlords and lenders often check credit scores as part of their decision-making process, and if your score is low, you may have a harder time getting approved. A bad credit score can also affect your ability to get a job or insurance.

If you’re looking to improve your credit score, Imax Credit Repair can help. We offer a variety of credit repair services in San Jose, CA that can help you improve your FICO score and achieve your financial goals.

Credit Problems We Can Help Solve 

There are many factors that can lead to bad credit. But often, your credit score is being pulled down by late payments, erroneous items, or fraudulent transactions. 

No matter what has led to your bad credit, Imax Credit Repair can help. We have experience addressing all causes of low FICO scores, and we will work with you to create a customized plan to improve your credit.

We identify, dispute, and resolve the following credit problems: 

Fraudulent charges on accounts, fraudulently opened accounts, and fraudulent inquiries/ applications

  • Late payments on credit cards, mortgages, or auto loans
  • Removing collections/ charge-offs, repossessions, or foreclosures
  • Fraudulent charges on accounts, fraudulently opened accounts, and fraudulent inquiries/ applications

Our Credit Repair Services 

Imax Credit Repair offers a variety of credit repair services that can help you improve your credit score. We can dispute inaccurate information on your credit report, negotiate with creditors to remove negative items, and more. Our services are customizable according to your needs, whether general credit repair or credit repair for mortgage and business financing.

General Credit Repair & Restoration

In our General Credit Repair & Restoration service, our team of experts will work with you to identify the source of your credit problems and come up with a plan to fix them. 

We’ll help you dispute inaccurate information on your credit report, negotiate with your creditors to remove negative items, and develop a budget and repayment plan to get your finances back on track. With our help, you can improve your credit score and get on the path to financial success.

Credit Repair for Home Mortgage & Refinancing

Bad credit can be a major obstacle when trying to get a home mortgage or refinance an existing one. Lenders are often hesitant to approve loans for people with bad credit, as they see them as a higher risk for default. However, there are some things that you can do to improve your chances of getting approved. One of the most important is to repair your credit.

Imax Credit Repair can help borrowers in San Jose, CA improve their credit scores. We work to remove negative items from your credit reports, such as late payments, collections, and bankruptcies. This can help you improve your credit score and make you more attractive to lenders.

Credit Repair for Business Loans

If you are thinking about starting a business in San Jose CA, you need to be qualified for a business loan so you can secure your capital. However, a low credit score can get in the way of that. 

We can help you restore your good credit and make you a more attractive borrower. With our tailored credit repair process for business loans, we can boost your FICO score and get you in the right financial standing to secure your capital and kickstart your business venture. 

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Our Credit Repair Process 

Our credit repair process is simple but proven effective. We have a team of professionals who have been helping the residents of San Jose and beyond improve their FICO scores and get financing opportunities. 

Free Credit Evaluation & Action Plan

Our first order of business is to take a thorough look at your credit report. We look for erroneous items that may be dragging your FICO score down and curate a tailored action plan to have them removed. 

Dispute & Remove Negative Items

We have experience working with credit bureaus and reporting agencies to remove negative items in your credit report. We dispute any inconsistencies and initiate legal action when needed. 

Maintain & Increase FICO Scores

The removal of erroneous items on your credit report is only the beginning of your abundant financial future. To ensure that you stay on the right track financially, we work with you to maintain your FICO scores and plan a course of action to help you achieve better credit health. 

Unlock financial opportunities in San Jose, CA by working with Imax Credit Repair. Start with a free credit evaluation today

What Clients are Saying?

Client reviews say Imax Credit is quite amazing!

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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!

Elgin, OK

February 18, 2021

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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!

Miami, FL

February 3, 2021

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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!!!!

Norwalk, CA

November 19, 2021

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San Diego, CA

December 5, 2024

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Fresno, CA

December 12, 2024

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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