Maximum FICO Score — Credit Education and Credit Repair Resources

A credit repair company reviews your credit reports from all three major bureaus, identifies items that may be inaccurate, incomplete, or unverifiable, and prepares dispute letters on your behalf under the FCRA. Maximum FICO Score also provides consumer education, credit score strategy, and ongoing counseling to help clients maintain their credit health long-term.

Credit repair timelines depend on the complexity of each credit file. Under the FCRA, credit bureaus have 30 to 45 days to investigate a dispute. Most clients begin to see measurable results within 60 to 90 days. More complex situations involving multiple collections or charge-offs may take 4 to 6 months or longer. Results vary by individual.

Yes. Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. The credit bureau is required to investigate the dispute — typically within 30 days — and must correct or remove information that cannot be verified by the original furnisher.

Under the Fair Credit Reporting Act, consumers have the right to obtain a free annual credit report from each of the three major bureaus, dispute inaccurate or incomplete information, know when their credit report was used against them in a credit or employment decision, and have outdated negative information removed after the applicable reporting period — generally 7 years for most derogatory items and 10 years for Chapter 7 bankruptcy.

Yes. Maximum FICO Score is a BBB A+ rated credit repair and credit education company founded in 2016 and headquartered in Bakersfield, California. The company operates in full compliance with CROA, FCRA, and FDCPA. All service agreements include the required CROA disclosures and consumer rights notifications.

No. Maximum FICO Score does not guarantee specific credit score increases or the removal of any particular item. Under the Credit Repair Organizations Act (CROA), no credit repair company can legally make such guarantees. Maximum FICO Score guarantees full CROA and FCRA compliance, transparent flat-rate pricing, and dedicated consumer-first advocacy for every client.

FICO scores are used by approximately 90% of top U.S. lenders. VantageScore is an alternative scoring model commonly displayed on free monitoring apps like Credit Karma. Both range from 300 to 850 but use different formulas and may differ by 20 to 100+ points. Maximum FICO Score focuses on improving clients' actual FICO scores — the scores lenders use.

Yes. Maximum FICO Score is a fully remote credit repair and education company serving consumers in all 50 U.S. states. All services are delivered by phone, video conference, and secure online portal. Clients do not need to be located in California to access services.

Credit utilization is the ratio of your current revolving balances to your total available credit limits. It accounts for approximately 30% of your FICO score. Keeping utilization below 30% is generally recommended, while below 10% is considered optimal. The AZEO (All Zeros Except One) method — paying all revolving accounts to zero except one — is a strategy used by Maximum FICO Score to help clients temporarily maximize their FICO score before a major credit application.

A charge-off occurs when a creditor writes off a debt as a loss, typically after 180 days of delinquency. It can remain on your credit report for up to 7 years from the date of first delinquency (DOFD). Charge-offs can be disputed if the information is inaccurate, if reporting dates are incorrect, or if the furnisher cannot verify the account details under the FCRA dispute process.