Maximum FICO Score — Bakersfield's Credit Repair & Education Experts
We've helped thousands of Californians fix their credit, improve their FICO® scores, and unlock better financial opportunities. Founded by Isaac Palacios, our team is committed to transparency, education, and real results—backed by a 90-day money-back guarantee.
BBB A+ Rated
Independently Verified
90-Day Guarantee
Results or Full Refund
FCRA Compliant
100% Legal Process
All 50 States
Remote or In-Person
Bilingual Support
English & Spanish
Our Mission: Empower Your Financial Future
In 2016, Isaac Palacios founded Maximum FICO Score with one goal: to help people in Bakersfield and beyond understand and improve their credit. What started as a small operation has grown into a trusted organization serving thousands of clients across all 50 states, driven by a commitment to transparency, education, and measurable results.
We don't just repair credit—we educate you. Our team works closely with each client to dispute inaccurate items, address negative marks, and build lasting financial habits. We believe that everyone deserves access to fair, honest credit repair services and the knowledge to maintain a healthy FICO® score.
Explore our credit education resources and learn how our credit repair services can transform your financial life.
Founded 2016
Over a decade of trusted service
20+ Years
Combined expertise in credit & finance
1,000s
Clients helped improve their scores
50 States
Serving all of America
Our Services
Credit Analysis
Comprehensive review of your credit report and FICO® score with personalized recommendations.
Home Buyers
Specialized programs to repair credit and prepare you for mortgage approval with better terms.
FCRA Disputes
We dispute inaccurate, incomplete, or unverifiable items directly with credit bureaus and creditors.
Financial Education
Learn the habits that build credit, manage debt, and achieve long-term financial stability.
Why Choose Maximum FICO Score?
Proven Track Record
Thousands of satisfied clients across all 50 states with documented results and measurable improvements to their FICO® scores.
Transparent Pricing
No hidden fees. You'll know exactly what you're paying for upfront, and our 90-day guarantee backs up our confidence.
90-Day Guarantee
If we don't remove at least one item within 90 days, we'll refund your fee. Your success is our priority.
Expert Team
Experienced credit repair specialists and financial educators with deep knowledge of credit law and bureaus.
Full Compliance
FCRA, FDCPA, and CROA compliant. We operate with the highest ethical and legal standards.
Bilingual Support
Available in English and Spanish. We serve all communities with respect and clear communication.
Your Score Has the Power to Change Everything
A stronger credit profile can unlock better loan terms, lower interest rates, and more financial opportunities. Our team works with you to dispute inaccuracies, build positive credit habits, and put you on the path to a healthier FICO® score.
Get Your Free Credit Analysis Today
Meet Our Founder
Isaac Palacios
Founder & CEO
Isaac Palacios is a credit repair expert and financial education advocate with over 20 years of experience in financial services, credit counseling, real estate brokerage, and home-loan guidance. In 2016, he founded Maximum FICO Score with a simple mission: to help people understand their credit and take control of their financial future. Isaac is passionate about transparency, ethical business practices, and empowering communities to achieve their dreams.
Our Team
Lourdes A. Palacios
Office Manager
Lourdes brings years of organizational expertise and customer care to our team. She ensures every client receives prompt, professional support and that our operations run smoothly.
Henry H Quinteros
Customer Support Lead
Henry is dedicated to helping clients navigate their credit repair journey with patience and expertise. His knowledge and friendly approach make him a trusted resource.
What Our Clients Say
"Maximum FICO Score helped me improve my credit score by 87 points in just 4 months. Their team was professional, transparent, and genuinely cared about my success. Highly recommend!"
"I was skeptical about credit repair, but Isaac and his team proved me wrong. They removed multiple inaccurate items and educated me on building better credit habits. Best investment I made."
"After working with Maximum FICO Score, I was able to qualify for a mortgage with a much better rate. Their guidance and follow-through made all the difference. Truly grateful!"
Our Core Values
Integrity
We operate with honesty, transparency, and ethical practices. No shortcuts. No hidden fees. No false promises.
Education
We believe knowledge is power. We educate our clients on credit, FICO® scores, and financial habits that matter.
Compliance
We strictly adhere to the FCRA, FDCPA, and CROA. Legal, ethical service is non-negotiable.
Legal & Regulatory Compliance
FCRA Compliance
We comply fully with the Fair Credit Reporting Act, ensuring accurate credit reporting and consumer rights protection.
FDCPA Compliance
Our debt dispute process follows the Fair Debt Collection Practices Act standards of professional and ethical conduct.
CROA Compliance
We adhere to the Credit Repair Organizations Act, providing transparent services and honoring our 90-day guarantee.
Start Your Credit Repair Journey
Get a free credit analysis and personalized action plan. No obligation.
Your Credit Improvement Starts Today
FICO® is a registered trademark of Fair Isaac Corporation. Maximum FICO Score is an independent credit repair organization. We are not affiliated with any credit bureau (Equifax, Experian, TransUnion), the FTC, or any government agency. Results vary by individual and are not guaranteed. We comply with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). For questions about your rights under these laws, please consult the FTC at www.ftc.gov or call 1-877-FTC-HELP. Our 90-day money-back guarantee applies when no items are removed within 90 days of enrollment. State licenses and disclosures available upon request. Maximum FICO Score is based in Bakersfield, California, and serves all 50 states.