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
