In this podcast episode, Ali Zane, CEO of IMAX Credit Repair, addresses a major concern for many people: removing 30 day lates from credit reports, and why taking action is crucial.

He explains:

• The damaging impact of late payments on your credit score (often dropping 60–80+ points)

• Consequences of inaction, like credit limit reductions, account closures, and higher mortgage rates

• Why creditors are now more resistant to goodwill removals due to federal regulations after the 2008 financial crisis

• A proven process called the DSEL Method — developed over 20 years — that IMAX uses to effectively tackle late payments

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  For those looking to understand the step-by-step flowchart of the DSEL method or read more, the episode points listeners to the IMAX Credit Repair blog:

  
  

  https://www.imaxcredit.com/how-to-remove-a-30-day-late-payment-from-the-credit-report/

  
  

  
  

Tired of aggressive collectors or inflated balances on your credit report?

In this episode, we’re breaking down exactly how to settle debts the right way — including collections and charge-offs — even for pennies on the dollar.

Backed by over 20 years of credit consulting experience at IMAX Credit Repair, we’ve helped thousands navigate settlements with: American Express, Midland Credit, CitiBank, Capital One, and more.

What You’ll Learn:

• The difference between charge-offs vs. collections
• Statute of limitations by state & how it gives you leverage-Settlement ranges based on debt size ($500–$20,000+)
• When and how to settle for 30% or less
• What happens if you’ve already been sued
• Which accounts can be deleted from your credit report
• A sample settlement call script that actually works
• Why you should avoid long-term payment plans
• We specialize in removing collections and negotiating lower settlements.

Schedule a free consultation: https://www.imaxcredit.com/consultation/

Got an AMEX debt hanging over your head?

You're not alone — and you’re not out of options. In this episode, we’re breaking down exactly how to settle American Express debts, backed by 20+ years of real-world experience handling AMEX through court cases, arbitration, and private settlements.

What you’ll learn:

• How to negotiate based on debt amount
• What to do if you’ve been sued by AMEX
• The truth about charge-offs vs. write-offs
• When statute of limitations gives you the upper hand
• How one client got $20,000 in AMEX debt erased
• A sample phone script that actually works
• When (and how) to fight for full deletion from your credit report

This is more than advice, it's a legal, field-tested strategy that’s worked for real clients.

Need Help With Your AMEX Account? Get a FREE consultation and find out if you qualify for settlement, deletion, or full removal.

Book here: https://www.imaxcredit.com/consultation/