Corrections Policy

Last updated: May 11, 2026

Accuracy matters. The information we publish about credit, federal consumer rights, and the dispute process directly affects financial decisions our readers make in the real world. When we get something wrong, we want to know about it — and we want to fix it quickly, transparently, and in a way that prevents the error from spreading. This page explains our corrections process from the moment a reader reports an issue to the moment the correction is published.

How to Report an Error

If you find an error in any article, guide, or page on our website, please report it in writing. Email is the fastest method:

When reporting an error, please include:

• The full URL of the page containing the error
• A direct quote or screenshot of the specific text in question
• A description of what is incorrect and what you believe the correct information to be
• A source or citation supporting your correction (if available)

Our Review Timeline

Every correction request goes through the same structured review:

1. Within 2 business days — You receive an email acknowledgment confirming we have received your report.
2. Within 5 business days — Our editorial team completes the review, verifying the disputed information against primary sources (federal statutes, CFPB guidance, bureau publications, court records).
3. Within 10 business days — If the correction is verified, it is published on the article and noted in our change log. If we determine no correction is needed, you receive a written explanation citing the sources that support our original statement.

Complex corrections involving multiple articles, statutory interpretation, or legal review may take longer. In those cases we communicate the extended timeline in writing.

How We Categorize Corrections

Not every change to an article counts as a "correction." We distinguish between three types of changes:

• Typographical edits — Spelling, grammar, or punctuation fixes that do not change the meaning of the text. These are corrected silently and not noted in the change log.
• Substantive corrections — Changes that affect the accuracy of factual claims, statutory citations, dates, dollar amounts, or recommendations. These are noted in the change log and, when material to reader understanding, flagged with a correction notice in the article.
• Major retractions — Cases where an article (or significant section of one) is found to be substantively incorrect or misleading. The article is updated, retracted, or replaced, and a clearly labeled correction notice is added at the top of the page.

Where Corrections Appear

When we publish a substantive correction or major retraction, the correction notice appears in three places:

We do not silently rewrite articles to alter their meaning. If you ever notice an article whose content appears to have shifted without a visible correction notice, please report it — we want to know.

Special Handling for Statutory Citations

Because a significant portion of our content cites federal law (the FCRA, FDCPA, and CROA), errors in statutory citations are treated as high-priority corrections. Even small mistakes in section numbers or quoted statutory language can mislead readers about their legal rights. Reports of citation errors are escalated for same-day review wherever possible.

Updates Versus Corrections

When laws or industry practices change — for example, when the CFPB issues new guidance, when a bureau updates its dispute portal, or when a court ruling changes how a statute is interpreted — we treat the resulting article revision as an update, not a correction. Updates also update the "Last updated" date but do not require a top-of-page correction notice unless the original information has become actively misleading.

If You Disagree With Our Determination

If we review your correction request and determine that no change is needed, you have two options:

1. Request a second review by replying to our written explanation with any additional documentation or sources you would like us to consider.
2. Escalate to the founder by sending a letter to Isaac Palacios at our Bakersfield office. The founder personally reviews all escalated correction disputes.

Contact for Corrections

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Maximum Fico Score is a credit repair organization operating in full compliance with the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA). This Corrections Policy is reviewed and updated annually. Last update: May 11, 2026.