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

What Is a 609 Dispute Letter and How Does it Work?

10 min read

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A 609 dispute letter is an important tool for consumers dealing with negative items on their credit reports. With it, they are able to challenge inaccurate information that may be damaging to their overall score.

Understanding how the 609 letter process works is essential for consumers looking to improve or maintain their credit scores. This article provides an overview of what a 609 dispute letter is and how it works.

What Is Section 609?

Section 609 of the Fair Credit Reporting Act (FCRA) is a federal law that promotes accuracy, fairness, and privacy when it comes to credit reporting. 

It gives individuals the right to request a free copy of their credit report once per year from each of the three major credit bureaus: Experian, Equifax, and TransUnion. By virtue of section 609, credit bureaus must provide consumers with access to their credit reports within 15 days of receiving a request. 

The FCRA also provides for remedies in disputes about accuracy, including the right to dispute inaccurate information and have it removed from your report. Section 609 of the FCRA gives consumers the right to sue if their rights are violated by a credit reporting agency or creditor, and it allows for punitive damages in cases where willful non-compliance is found.

Do 609 Dispute Letters Work?

Yes, 609 dispute letters can work. The FCRA provides a consumer the legal right to challenge any inaccurate information found in their credit report. 

According to this law, if a consumer submits a 609 dispute letter and the credit reporting agency (CRA) cannot validate the accuracy of the disputed item, they must remove it from the consumer’s report. 

The 609 dispute letter can be customized to include specific details of why the consumer believes an item is inaccurate. It should also include proof such as account numbers and other documents that support their claim. 

By including this information, the CRA has a better chance of being able to properly validate the dispute and delete the incorrect item from the consumer’s report.

It’s important to note, however, that 609 letters do not guarantee an item will be removed, as each case is evaluated on an individual basis. Submitting a 609 letter also does not immediately remove any negative items from your credit report; it may take up to 30 days for the CRA to investigate and respond to your dispute.

609 Letter Template

Using a 609 dispute letter template is one of the most effective ways to challenge incorrect information on your credit reports. 

When writing your 609 dispute letter, make sure that you use clear and concise language. You should avoid legal or financial jargon as it could be difficult for the bureaus or loan companies to understand what you are trying to say. 

Additionally, do not include any exaggerations or false statements as this could be used against you during the dispute process. 

Along with this, you should include the reasons why you dispute the information in question. This could be because of errors on your credit report, because you feel that the information is outdated or inaccurate, or because of fraudulent accounts opened in your name due to identity theft (check out this guide to repair credit if you are victim of identity theft). 

Provide any supporting documentation that may help to strengthen your case, such as proof of payment or other documents related to the dispute. 

Here is a sample template you can work with.

[Your name] 

[Your address] 

Compliant Department 

[Name of the credit reporting agency] 

[Address of the credit reporting agency] 

City, State, Zip Code 

To whom it may concern:

I am writing this letter to dispute the following information in my record on account number [account number]. The items I dispute are also marked on the attached copy of the credit report I received. 

The collection reported for [Item in dispute] is inaccurate because [reasons]

I am requesting that this item be deleted to correct the information. Please conduct an investigation and delete the disputed items as soon as possible. 

Sincerely, 

[Your signature] 

Attachments: 

  • Your credit report 
  • Other supporting documentation 

How to Correctly Dispute Errors on Your Credit Report

The best way to dispute errors on your credit report is by writing a letter containing the following information:

  • Your full name and address 
  • The account number associated with the error 
  • A detailed explanation of why you believe the information to be inaccurate 
  • Documentation that supports your claim 
  • A request that the error is removed 

Your letter should also include a copy of your credit report with the errors clearly highlighted. This makes it easier for the creditor or bureau to find and verify the incorrect information. Make sure you keep a copy of your dispute letter for yourself.

Once you’ve written and mailed your dispute letter, contact the creditor or bureau by phone. This way, you can make sure that your dispute was received and is being worked on. You should then wait for a response from the creditor or bureau. 

Depending on the type of error you are disputing, it may take a few weeks to several months to receive a response. Once the investigation is complete, you’ll receive a letter in the mail with their findings. If your dispute was successful, all incorrect information will be removed from your credit report. 

If you don’t receive a response or if the creditor or bureau doesn’t take action on your dispute, you can file a complaint with the Consumer Financial Protection Bureau or your state’s attorney general. This can help ensure that your dispute is addressed and that any errors are removed from your credit report. You can also learn how to remove late payments from your credit report

Where to Send Your 609 Letter

When sending your 609 dispute letter, it is important to ensure that it reaches the right place. You should send the letter to the credit bureau which collected and supplied the information for the report. 

You should also send a copy of the dispute letter to the business or organization that supplied the disputed information. This will ensure that they are aware of your challenge and can take steps to investigate it. 

If you do not provide this company with a copy, they may be unaware that the disputed information is being challenged and may not take appropriate action to investigate it.

When mailing your 609 dispute letter, include a clear address and contact information for both the credit bureau and the business or organization that supplied the disputed information. It is also recommended that you use a trackable form of delivery such as priority mail or certified mail. This will ensure that your letter is received and properly processed by the intended recipients. 

Make sure to keep a copy of your 609 dispute letter for your records in case you need to reference it in the future.

Hire a Credit Repair Agency if You Need Help with a Dispute

It can be difficult to navigate the complicated world of credit repair. If there’s an issue with your report, it may seem like a daunting task to take on by yourself. That’s why many people choose to hire a credit repair agency for help.

A credit repair agency can assist you in understanding the dispute process and your rights as a consumer. The agency will also work with you to develop an action plan based on your unique needs and goals. They may be able to provide resources and legal advice that can resolve disputes more quickly and effectively than if you were to do it yourself.

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.

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