Is credit repair legal in California?

Yes, credit repair is completely legal in California and all 50 states. The federal Credit Repair Organizations Act (CROA) and California Credit Services Act regulate how credit repair companies must operate requiring written contracts, no advance fees, and a 3-business-day cancellation right.

How long does credit repair take?

Most clients begin to see results within 3045 days from the first round of disputes. Simple cases can often be resolved in 36 months. Complex profiles with multiple collections, charge-offs, or late payments typically take 612 months of consistent work. Results vary by individual credit profile.

What does the FCRA allow me to dispute?

The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable. This includes accounts that are not yours, incorrect balances, wrong payment status, re-aged accounts, accounts past the 7-year reporting window, and duplicate entries. The FCRA does not allow removal of accurate, verifiable information.

What is the difference between a FICO Score and a VantageScore?

FICO and VantageScore are two separate credit scoring models that use the same data but produce different scores often 2050 points apart. FICO is used in over 90% of U.S. lending decisions including mortgage approvals. VantageScore is what most free apps like Credit Karma display. For mortgage applications, lenders use FICO models 2, 4, and 5.

Can you guarantee my credit score will increase?

No. Under the Credit Repair Organizations Act (CROA), no credit repair company can legally guarantee a specific score increase or specific item removals. Maximum FICO Score backs its work with a 90-day money-back guarantee if no items are removed within 90 days, you receive a full refund. Results vary by individual credit profile.

Do you charge fees before starting credit repair?

No. Federal law under CROA prohibits credit repair organizations from collecting fees before services are performed. Maximum FICO Score charges no advance fees. Your initial assessment and first consultation are always free.

What is a Section 623 dispute?

A Section 623 dispute is sent directly to the original creditor or debt collector not the credit bureau. Under FCRA Section 623, data furnishers must investigate disputes they receive from consumers and correct any inaccurate information. This is often more effective than a standard bureau dispute for stubborn accounts.

How long does a collection stay on my credit report?

Most collection accounts can remain on your credit report for seven years from the date of original delinquency under the FCRA. This clock runs regardless of whether the debt is paid or unpaid. Paying a collection does not restart the clock and does not automatically remove the account from your report.

What is a rapid rescore?

A rapid rescore is a service available through mortgage lenders that updates your credit score at the bureau level within 35 business days after a verified change rather than waiting for the standard monthly reporting cycle. It must be initiated by your lender and is useful when you are close to a qualifying score threshold.

Does Maximum FICO Score serve clients outside of Bakersfield?

Yes. While our office is at 4646 Wilson Road in Bakersfield, CA, we serve clients in all 50 states remotely through our secure client portal. Local Kern County clients are welcome to visit in person. We offer bilingual service in English and Spanish.

Does Maximum FICO Score serve clients outside of Bakersfield, CA?

Yes. Maximum FICO Score serves clients nationwide across the United States in addition to its Bakersfield, CA base. Services are delivered remotely for clients outside the area.

Contact Maximum FICO Score — Credit Repair Support & Free Consultation

Get answers fast — call, email, or fill out the form below to start your free credit analysis. We serve Bakersfield, CA and clients nationwide.

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CROA Compliant FCRA Compliant FDCPA Compliant Founded 2016 Nationwide Service

Get In Touch

Our Contact Information

Maximum FICO Score is based in Bakersfield, California and serves clients across the United States. Reach us by phone, email, or the form on this page. All new inquiries receive a free credit analysis with no obligation.

Customer Support

661-505-8085

Monday – Friday, 9 AM – 6 PM PT

General Inquiries

support@maximumficoscore.com

Client Support

support@maximumficoscore.com

For existing clients

Office Address

4646 Wilson Road, Suite 101
Bakersfield, CA 93309

Start Your Free Credit Analysis

Fill out the form below and a credit specialist will contact you within one business day to schedule your free credit analysis. No obligation. No upfront fees.

Maximum FICO Score

4646 Wilson Rd, Suite 101
Bakersfield, CA 93309

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Book a free online assessment directly with a credit specialist, or go straight to your personalized credit plan.

Have Questions? Book a Free Call Get Your Credit Plan

The Process

How to Get Started with Maximum FICO Score

Getting started is simple. Here's exactly what happens from the moment you contact us to the moment credit repair work begins — all in compliance with the CROA and FCRA.

Contact Us

Call 661-505-8085, email support@maximumficoscore.com, or fill out the form. A specialist responds to schedule your free analysis — no obligation, no upfront fees.

Free Credit Analysis

A specialist reviews your situation at no charge, identifying inaccurate, incomplete, or unverifiable items on your Equifax, Experian, and TransUnion reports eligible for dispute under FCRA § 1681i.

Review Your Contract

Before any work begins, we provide a written contract as required by CROA § 1679d — listing all services, fees, and your three-day right to cancel under § 1679e. No fees before services are completed.

Choose Your Plan

Select the month-to-month plan (cancel anytime, no fee) or the flat-fee plan (full six-month satisfaction guarantee). Both follow every CROA requirement.

Work Begins

We begin disputing inaccurate, incomplete, or unverifiable items with all three bureaus using only FCRA-authorized methods. Each bureau must investigate within 30 days. You receive updates throughout.

Why Maximum FICO Score

What Makes Us Different

We specialize in credit improvement — not traditional credit rebuilding. We use only legal dispute methods under the FCRA and operate in full compliance with all three major federal consumer protection laws.

CROA Compliant

No upfront fees. Written contracts. Three-day cancellation right. Always.

15 U.S.C. §§ 1679–1679j

FCRA-Based Disputes Only

Every dispute uses only methods authorized by the FCRA. We dispute inaccurate, incomplete, or unverifiable items — nothing more.

15 U.S.C. § 1681i

FDCPA Informed

We educate every client on their FDCPA rights so they can stop harassment from debt collectors during the repair process.

15 U.S.C. § 1692

Free Analysis — No Obligation

Every new client receives a free credit analysis before any contract is signed. We disclose your free-dispute rights first.

CROA § 1679c

Satisfaction Guarantee

Month-to-month clients cancel anytime. Flat-fee clients get a full six-month satisfaction guarantee — we keep working at no extra charge.

Founded 2016

Nationwide Service

Based in Bakersfield, CA, we serve clients in all 50 states. Remote services available for clients outside the area.

Bakersfield, CA 93309

100K+

Clients served since 2016

Years in operation

Federal laws we comply with

Upfront fees before services begin

Common Questions

Contact & Getting Started FAQ

How do I contact Maximum FICO Score?

You can contact us by phone at 661-505-8085, by email at support@maximumficoscore.com, or by filling out the contact form on this page. The office is at 4646 Wilson Road, Suite 101, Bakersfield, CA 93309. A free credit analysis is available to all new inquiries.

Is the initial credit consultation free?

Yes. We offer a free initial credit analysis to all new clients. This is consistent with CROA, 15 U.S.C. § 1679c, which requires that consumers be informed of their rights — including the right to dispute errors themselves for free — before any services begin.

Do you serve clients outside of Bakersfield, CA?

Yes. We serve clients nationwide across the United States, in addition to our home base in Bakersfield, CA. Services are delivered remotely for clients outside the Bakersfield area.

What happens after I submit the contact form?

A credit specialist will review your information and reach out to schedule your free credit analysis. During that call, the specialist reviews your credit situation, explains your options, and outlines the services available — all with no obligation to enroll.

What should I have ready before contacting you?

It helps to have a general sense of your credit concerns — specific negative items you want disputed, your current credit score range if known, and any creditor or collection accounts you have questions about. You don't need your credit reports in hand before the initial call.

Are you compliant with federal credit repair laws?

Yes. We operate in full compliance with CROA (15 U.S.C. §§ 1679–1679j), the FCRA (15 U.S.C. § 1681), and the FDCPA (15 U.S.C. § 1692). No fees are charged before services are completed. Written contracts are provided to all clients. Every client receives a three-day right to cancel.

Ready to Take the First Step?

Reach out today for your free, no-obligation credit analysis. Call, email, or schedule a consultation — we serve Bakersfield, CA and clients nationwide. No upfront fees.