Customer Reviews
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 ..
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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...
What Is COAF, And Why Is It On My Credit Report?
10 min read
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Capital One Auto Loan (COAF) is a legitimate auto finance firm that offers to finance new and used cars by providing loans to prequalified consumers. You most likely see a COAF on your credit report if you have applied for or consigned a car loan.
This article details COAF, its role, and how it can affect your credit score.
What Is COAF?
A COAF is a credit report code for Capital One Auto Finance. Another variant of this term includes ‘Cap one auto’ and ‘capital one auto fin.’ It is gotten when your credit card is subjected to a hard inquiry due to applying for or cosigning on an auto loan with Capital One Auto Finance.
Remember that finding a COFA on your credit record does not always imply a scam because Capital One Auto Finance is a legitimate company. It would only mean that you have an account with them or that they ran a credit check on you.
Why Is COAF On My Credit Reports?
A COAF might appear on your credit report for various reasons, some of which are legitimate and others fraudulent. Here are three reasons a COAF can be on your credit report.
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Car loan application:
When you apply for vehicle financing through COAF, they will typically do a credit check on you to verify your eligibility for the loan. This inquiry, also known as a pull, can be hard or soft. Soft inquiries usually have no impact on your credit; however, hard inquiries do.
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Auto Loan Issuance:
Lenders typically record your monthly loan payment to at least one of the three main credit bureaus. Thus, if you have been approved for a car loan or previously had one, a COAF will appear on your credit report.
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Cosign a vehicle loan:
If you have a better credit history than the principal borrower, you can cosign a loan for them. It is important to note that not only will a COAF appear on your credit report, but it will also impact your credit. For example, if the primary borrower handles their payments effectively, it will improve your payment record; if they act otherwise, it will harm you.
Identity theft occurs when you do not apply for or cosign for auto finance and do not have a car loan issuance, but you discover a COAF on your credit report. This means someone is committing fraud using your personal information, such as your name, address, or social security number.
How To Remove COAF From My Credit Report
If you have a COAF on your credit report for a legitimate or fraudulent reason, here are three ways to remove it.
- Suppose a dealership uses your information to shop around for an extended period. In that case, you can contact Capital One or any credit reporting bureaus to outline your dispute. They can be reached by phone, email, or postal mail.
- You can contact a credit repair service: Credit repair agencies, such as Imax, can act as go-betweens for you and a lender or credit agency. They would assist you in gathering evidence and handling communication with these agencies to remove the inquiry from your report.
- In cases of fraudulent behaviour that results in an inquiry on your report, by law, you have 30 days to dispute the inquiry once it appears on your report. You can send a letter to Capital One contesting the COAF inquiry.
Soft Inquiries
A soft credit inquiry may appear on your credit record if you speak with a lender about a pre-approval quote without ever applying for a loan. Also, an existing creditor may conduct a soft inquiry to check on your current credit position. A soft credit inquiry, on the other hand, does not affect your credit score.
Hard Inquiries
These typically appear on your credit report when you apply for a new credit loan or line of credit and the lender does a credit check. For example, if you opt to join a Capital One dealership after being happy with the auto loan terms, you may have a tough draw on your credit.
Again, if you choose not to use the Capital One financing option and instead use another, you will notice one or more credit inquiries on your record. This means that even if you do not initiate an auto loan with Capital One, prequalification and a complete application with the lender will result in a COAF appearing on your credit report as a hard inquiry, which is terrible for your credit.
COAF Contact Information
Capital One Auto Finance can be contacted through;
- Their address: P.O. Box 30279. Salt Lake City, UT 84130-0279
- Phone Number: (877) 383-4802
- Website: www.capitalone.com
How Long Will A COAF Stay On My Credit Report?
A COAF that appears on your credit report due to a hard inquiry will typically be there for roughly two years. Remember that a short pull might be detrimental regardless of whether you are approved for the auto loan.
Send A Credit Dispute Letter To A Credit Bureau
If you find fraudulent activity on your credit report, you can file a letter to dispute it to a credit bureau. The contact information for each bureau, where you can send a letter disputing a credit report, is included below.
| Experian | Equifax | Transunion |
| Experian’s National Consumer Assistance Center
P.O. Box 4500 Allen, TX 75013 |
Equifax Information Services, LLC
P.O. Box 740256 Atlanta, GA 30374-0256 |
TransUnion Consumer Solutions
P.O. Box 2000 Chester, PA 19016-2000 |
Use a Credit Repair Company To Get Inquiries Removed Today!
A credit repair business can assist you in removing a hard inquiry from your credit report. Consider dealing with IMAX credit if you’re seeking a trustworthy credit repair organization to assist you in restoring your credit.
Get a free consultation with one of our credit repair consultants, call (866) 611- 4629 or send us an email today.
