Ethics Policy & Code of Conduct

Last updated: May 11, 2026

Ethics in credit repair is not an abstract concept — it is the difference between an industry that helps consumers and an industry that exploits them. Maximum Fico Score was founded on the conviction that credit repair done right is grounded in federal law, client honesty, and respect for the consumer. This Ethics Policy formalizes the standards we hold ourselves to and the conduct we expect of every team member representing our company.

Our Core Ethical Commitments

Every person who represents Maximum Fico Score — from the founder to client services staff to outside contractors — agrees in writing to operate by these commitments:

• We tell the truth. We do not exaggerate what credit repair can accomplish, and we do not minimize what clients can do for themselves under federal law.
• We follow federal law. Every action we take on behalf of a client complies with the FCRA, FDCPA, and CROA — without exception.
• We disclose everything material. Pricing, timelines, what we can and cannot do, our affiliate relationships, and the limits of what disputes can achieve are explained in plain language before any client signs an agreement.
• We never pressure. No false urgency, no fear-based sales tactics, no contracts signed without a clear written explanation of the terms.
• We protect confidentiality. Client information, credit reports, and financial data are treated with the same care we would want for our own families.

CROA Compliance Pledges

The Credit Repair Organizations Act (15 U.S.C. § 1679) sets binding rules on how credit repair companies may operate and communicate. We do not treat these as the ceiling of acceptable behavior — we treat them as the floor.

If a current or former team member ever asks you to do something that conflicts with these pledges, please report it directly to Isaac Palacios using the contact information at the bottom of this page.

Conflicts of Interest

A conflict of interest exists any time a team member's personal relationships, outside financial interests, or third-party loyalties could influence their work on behalf of a client. We manage conflicts through three rules:

1. Disclosure first. Team members must disclose to the company any outside financial interest in a credit-related product, service, or company before working with a client where that interest could be relevant.
2. No undisclosed referrals. If a team member refers a client to an outside service (such as a lender, attorney, or financial planner), any compensation arrangement related to that referral is disclosed to the client in writing.
3. Family and personal exceptions. Team members may not work on credit files for immediate family members or close personal friends as paying clients of the company. Friends and family receive credit education at no charge and outside of the formal client engagement process.

Gifts, Payments, and Outside Compensation

No team member of Maximum Fico Score may accept gifts, payments, kickbacks, or any form of compensation from:

• Credit bureaus, data furnishers, debt collectors, or consumer reporting agencies
• Lenders, mortgage brokers, or other parties extending credit to our clients
• Any third party whose interests could conflict with the client's interests

The only exception is the disclosed affiliate relationships described in our Ownership & Funding Disclosure, where commissions on consumer-facing credit-building products are received at the company level (never at the individual level) and disclosed to readers.

Client Confidentiality

Credit reports contain some of the most sensitive personal information a consumer has — Social Security numbers, account balances, payment histories, addresses, and identifying details. We protect this information through strict internal controls:

• Need-to-know access. Only team members directly working on a client's file have access to that client's information.
• Secure storage. Client documents are stored in encrypted, access-controlled systems.
• Written authorization. We will not share client information with any third party without the client's written authorization, except where required by law.
• Ongoing protection. Confidentiality obligations continue after a client's engagement with us ends. Former client information is protected with the same standards as active client information.

Equal Treatment of Clients

We provide services without discrimination on the basis of race, color, national origin, religion, sex, sexual orientation, gender identity, age, disability, marital status, familial status, military service, or any other characteristic protected by federal, state, or local law. All clients receive the same quality of service, the same fee structures, the same dispute strategies, and the same standards of communication.

Marketing and Advertising Standards

All marketing, advertising, and promotional materials produced by Maximum Fico Score are subject to CROA compliance review before publication. We do not use:

• Fake testimonials, paid reviews, or undisclosed sponsored endorsements
• Before-and-after credit score claims that imply guaranteed outcomes
• Imagery or language designed to provoke fear, shame, or panic about credit issues
• Misleading claims about credit bureau practices or consumer rights

Reporting Ethics Concerns

If you are a client, contractor, vendor, or community member who has witnessed conduct by Maximum Fico Score or a team member that you believe violates this Ethics Policy or applicable law, please report it. All reports are reviewed personally by Isaac Palacios.

We do not retaliate against anyone — client, employee, or third party — who reports an ethics concern in good faith.

Contact for Ethics and Compliance

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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 Ethics Policy is reviewed and updated annually. Last update: May 11, 2026.