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.

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.

Los Angeles, CA · Served Remotely · Se habla español

Credit Repair in Los Angeles, CA — Built on Your Rights, Not Empty Promises

Q: 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.

Q: 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.

Q: 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.

We review your credit reports, dispute items that appear inaccurate or unverifiable under federal law, and teach you how to keep your credit strong — for life. Bilingual, transparent, and compliant with the FCRA, FDCPA, CROA, and California's Credit Services Act.

Ready to Get Started Have Questions? Book a Free Call

📞 (661) 505-8085 Free consultation · No obligation · Se habla español

CROA Disclosure: We cannot guarantee specific results, item removals, or score increases, and we cannot remove accurate, verifiable information. Results vary by individual credit profile.

Los Angeles at a Glance

Why Los Angeles residents choose Maximum FICO Score

In a city where a rental application, an auto loan, and a mortgage can all hinge on a few FICO points, an inaccurate item on your report costs you real money every month. We make sure every line on your Experian, Equifax, and TransUnion reports is being reported fairly — and we do it bilingually, remotely, and in full compliance with the law.

A+BBB Accredited rating

5.0★162 verified Google reviews

50States served remotely

2016Serving Californians since

Maximum FICO Score

✓ Genuinely bilingual team (English & Spanish)
✓ Transparent pricing shown up front — no hidden fees
✓ Full FCRA / FDCPA / CROA + CA Credit Services Act compliance
✓ 90-day money-back guarantee
✓ Real, local reviews and a named founder who answers
✓ Education built in — you learn to keep credit strong

Typical national brands

✕ English-only call centers
✕ Pricing often hidden behind a phone call
✕ Traffic bought through ads & affiliate funnels
✓ Guarantees vary — read the fine print
✕ Faceless, no local presence
✕ Dispute-only, little real education

Which items can be disputed? Tap one to learn how it works.

Under the FCRA, any item that is inaccurate, incomplete, or unverifiable can be disputed and potentially removed. We cannot remove information that is accurate and verifiable. Results vary by individual credit profile.

Interactive · Los Angeles Edition

What could stronger credit be worth in Los Angeles?

Choose a goal and where your credit stands today. We'll show the illustrative difference between typical fair/poor-credit rates and excellent-credit rates in this market. This is an education tool — not a quote, an offer, or a promise about your credit.

Your goal

Where your credit is today

Loan amount

$450,000

Illustrative extra cost vs. excellent credit

—

per month

Over the life of the loan

—

Ready to Get Started

How It Works

How does credit repair work with us?

Our four-step process is transparent, legal, and built around your rights under federal law: we review all three reports, identify what's hurting you, dispute inaccurate items on your behalf, and teach you how to rebuild. Credit bureaus generally have 30 days to investigate each dispute.

Credit report review

We analyze your Experian, Equifax, and TransUnion reports to find inaccuracies, outdated items, and reporting errors across all three bureaus.

Identify what's hurting you

Collections, charge-offs, late payments, duplicates, and unverifiable items are flagged. We explain how each one affects your score.

Dispute under federal law

We file formal disputes on your behalf using your rights under the FCRA and FDCPA. Bureaus generally have 30 days to investigate.

Educate & rebuild

You get personalized guidance — utilization targets, payment strategies, and a long-term plan to keep your credit healthy for life.

Transparent Pricing — No Hidden Fees

How much does credit repair cost in Los Angeles?

Your assessment and first consultation are free. Ongoing service is a flat monthly rate with no long-term contract: Emerald at $94.99/mo, Maximum Impact at $109.99/mo, or Optimum at $995 one-time for six months. Every plan includes unlimited disputes and a 90-day money-back guarantee.

Emerald

$94.99/month

Plus one-time $195 first-work fee

Three-bureau credit analysis
Personal information corrections
Inquiry dispute challenges
Opt-out & freeze action plan
Creditor intervention letters
Unlimited disputes · monthly reports

Start Emerald

Maximum Impact

$109.99/month

Plus one-time $265 first-work fee

Everything in Emerald, plus:
Maximum credit report analysis
30-day credit score updates
Identity-protecting monitoring
Debt validation & C&D letters
Additional strategy sessions

Start Maximum Impact

Optimum

$995 one-time

Six months included — no monthly fees ever

Everything in Maximum Impact, plus:
Dedicated credit specialist
Priority support access
6-month dispute management
Credit-building strategy guidance
No monthly fees — ever

Start Optimum

All fees are shown up front. The one-time first-work fee covers your initial setup and three-bureau audit and is charged only after that first work is performed — never as an illegal advance fee. Month-to-month, cancel anytime. Under California's Credit Services Act and the federal CROA, you may cancel within 3 business days of signing, penalty-free.

Client Experiences

Real results from real clients

★★★★★

"Maximum FICO Score helped me remove four inaccurate collections from my Equifax and TransUnion reports. They explained every step and kept me updated the whole time."

— Maria G. · Google Review

★★★★★

"I was skeptical after being burned by a scam company before. They followed every rule — written contract, no upfront fees, real dispute letters. They earned my trust."

— James R. · Google Review

★★★★★

"They walked me through the difference between a FICO score and a VantageScore, which no one had ever explained. They helped me fix what was actually holding me back."

— Linda T. · Google Review

★★★★★

"Isaac and his team are true consumer advocates. They used FCRA Section 611 to dispute errors on all three bureaus and followed up with creditors directly when needed."

— Carlos M. · Google Review

Reviews are from verified clients. Individual results vary by credit profile. We do not guarantee specific outcomes.

Answers You Can Trust

Los Angeles credit repair questions

Do you have an office in Los Angeles?

We're a California-based company that serves Los Angeles clients 100% remotely. Your consultation, document submission, and progress tracking all happen through our secure client portal, phone, and email — you never have to drive anywhere. Our office is at 4646 Wilson Road, Suite 101, Bakersfield, CA 93309.

Is credit repair legal in California?

Yes. Under the federal Fair Credit Reporting Act (FCRA) and California's Credit Services Act of 1984, you have the right to dispute inaccurate, incomplete, or unverifiable items on your credit reports. We operate in full compliance with the FCRA, FDCPA, and CROA. You also have the right to dispute items yourself, for free, directly with the bureaus.

How much does credit repair cost in Los Angeles?

Your assessment and initial consultation are free. Ongoing service comes in three transparent plans: Emerald at $94.99/month plus a one-time $195 first-work fee, Maximum Impact at $109.99/month plus a one-time $265 first-work fee, and Optimum at $995 one-time for six months. No hidden fees, no long-term contracts, backed by a 90-day money-back guarantee.

Do you offer services in Spanish?

Yes. Our team is fully bilingual. We provide consultations, documents, and support in both English and Spanish. Se habla español — call us at (661) 505-8085.

How long does credit repair take?

Timelines vary by individual. Some clients see changes within 30–90 days; more complex files may take longer. Credit bureaus are legally required to investigate disputes within 30 days (45 in certain cases) under the FCRA. We provide monthly progress reports so you always know where things stand. Results vary by credit profile.

Can you guarantee a specific score increase?

No — and under the Credit Repair Organizations Act (CROA) and California law, no credit repair company legally can. Anyone who guarantees a specific score increase is violating the law. What we can do is make sure every item on your report is reported fairly, and give you an honest assessment up front.

Ready to see where your credit stands?

Start with a free, no-obligation assessment of your credit reports. Prefer to talk first? Call us — se habla español.

Ready to Get Started Have Questions? Book a Free Call

📞 (661) 505-8085

Important Disclosures: 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), the Credit Repair Organizations Act (CROA), and California's Credit Services Act of 1984. We do not guarantee the removal of any specific item, any loan approval, or any specific credit score increase, and we cannot remove accurate, verifiable information. Consumers have the right to dispute inaccurate information directly with Experian, Equifax, and TransUnion free of charge. You may cancel services within 3 business days of signing your contract, penalty-free. Results vary by individual credit profile. FICO® is a registered trademark of Fair Isaac Corporation. This content is educational only and does not constitute legal or financial advice.