Better Credit. Higher Scores. Risk Free.
We back every service with a clear satisfaction guarantee. Cancel anytime on our month-to-month plan. Get a full six-month guarantee on our flat-fee plan. No surprises. No hidden fees.
What Our Guarantee Covers
More than 100,000 people have trusted Maximum FICO Score with their credit repair. We stand behind every service with a clear, written guarantee. Here is exactly what that means for you.
Month-to-Month Plan: Cancel Anytime
On our month-to-month plan, you are never locked in. Cancel at any time and you will not be charged for that billing month. Services stop the day you cancel. No cancellation fees. No questions asked.
No cancellation feeFlat-Fee Plan: 6-Month Satisfaction Guarantee
On our flat-fee plan, you receive a full six-month satisfaction guarantee. If you are not fully satisfied with the results within six months, our team will continue working on your file at no additional charge until you are.
6-month guaranteeWritten Contract Required by Law
Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679d, every credit repair company must provide a written contract before any services begin. Your contract with Maximum FICO Score clearly states all services, fees, and your right to cancel.
CROA § 1679d3-Day Right to Cancel — Federal Law
Under CROA, 15 U.S.C. § 1679e, every consumer has the right to cancel any credit repair contract within three business days of signing — for any reason — at no charge. Maximum FICO Score honors this right on every plan.
CROA § 1679eNo Upfront Fees — Ever
CROA, 15 U.S.C. § 1679b, prohibits credit repair companies from charging fees before services are completed. We never charge you upfront. You only pay after work has been performed on your behalf.
CROA § 1679bOnly Legal Dispute Methods
We dispute only inaccurate, incomplete, or unverifiable items using your rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i. We never use file segregation, credit hiding, or any method that violates federal law.
FCRA § 1681iReady to see which plan is right for you? Start with a free online assessment or go straight to your personalized credit plan.
Choose the Plan That Fits You
Both plans are CROA-compliant. Both include written contracts, no upfront fees, and full disclosure of your consumer rights. Choose the structure that fits your situation best.
Month-to-Month Plan
Cancel at any time with no cancellation fee
Only charged for months in which services are actively rendered
Three-day right to cancel as required by CROA
No upfront fees before services begin
Written contract provided before work starts
Best for consumers who want maximum flexibility
Flat-Fee Plan
One-time flat fee — no surprise monthly charges
Full six-month satisfaction guarantee included
We continue working at no extra charge if you are not satisfied within six months
Three-day right to cancel as required by CROA
No upfront fees before services begin
Best for consumers who want a defined, guaranteed outcome
How to Choose a Legitimate Credit Repair Company
Not all credit repair companies operate legally. Use these five steps to verify that any company you consider follows federal law before you sign anything.
Verify CROA Compliance
Check that the company follows the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j. A compliant company will not charge fees before completing services, will provide a written contract, and must give you a three-day right to cancel. If a company asks for payment before starting work, that is a CROA violation.
Compare the Fee Structure Carefully
Look at both month-to-month and flat-fee options. On a month-to-month plan, you can cancel at any time. On a flat-fee plan, ask whether a satisfaction guarantee is included. Make sure all fees are disclosed in the written contract before you agree to anything.
Confirm They Use FCRA-Based Dispute Methods
Ask how the company disputes items on your credit report. Legitimate companies use only legal methods under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i. They dispute inaccurate, incomplete, or unverifiable information. They do not use file segregation, fake Social Security numbers, or other illegal tactics.
Request the Written Consumer Rights Disclosure
Under CROA, 15 U.S.C. § 1679c, every credit repair organization must give you a written statement of your consumer rights before you sign a contract. This disclosure must include your right to dispute errors on your own for free at AnnualCreditReport.com. If a company skips this step, do not sign.
Look for a Clear Satisfaction Guarantee
A reputable company backs its work. Look for a written satisfaction guarantee — either a cancellation policy on month-to-month plans or a service-continuation guarantee on flat-fee plans. Maximum FICO Score provides both options, backed by nine years of service since 2016.
Maximum FICO Score checks every box — CROA compliant, transparent fees, written contract, and a proven track record since 2016. Take the next step today.
Red Flags That Signal a Credit Repair Scam
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) warn consumers about these common credit repair scams. If you see any of these signs, stop and report the company to the FTC at ReportFraud.ftc.gov.
Demands Payment Before Work Begins
This is a direct violation of CROA, 15 U.S.C. § 1679b. No legitimate credit repair company charges fees before completing services.
Promises to Remove Accurate Negative Items
No company can legally remove accurate, verified negative information before its reporting period expires. Claims otherwise are false and violate CROA.
Suggests Creating a New Credit Identity
Advising you to apply for an Employer Identification Number (EIN) to use instead of your Social Security Number is illegal. This is called file segregation and is a federal crime.
Does Not Provide a Written Contract
CROA, 15 U.S.C. § 1679d, requires a written contract before any services begin. A company that skips this step is operating illegally.
Does Not Tell You About Your Free Dispute Rights
Under CROA, 15 U.S.C. § 1679c, every company must inform you that you can dispute errors yourself for free under the FCRA. If they hide this fact, that is a red flag.
Guarantees a Specific Score Increase
No company can guarantee a specific point increase because credit scores depend on many factors outside any company's control. Specific guarantees are misleading and may violate CROA.
The Laws That Protect You
Maximum FICO Score operates in full compliance with all three federal laws that govern credit repair and consumer credit rights in the United States.
CROA — Credit Repair Organizations Act
The Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j, governs all credit repair companies in the United States. It bans advance fees, requires written contracts, mandates a three-day cancellation right, and prohibits false claims about credit improvement. Maximum FICO Score follows every CROA provision.
15 U.S.C. §§ 1679–1679jFCRA — Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, gives consumers the right to dispute inaccurate information on their credit reports. Equifax, Experian, and TransUnion must investigate disputes within 30 days under 15 U.S.C. § 1681i. All disputes filed by Maximum FICO Score use only FCRA-authorized methods.
15 U.S.C. § 1681FDCPA — Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692, protects consumers from abusive, deceptive, or unfair debt collection practices. Understanding FDCPA rights is part of the credit education Maximum FICO Score provides to every client during the repair process.
15 U.S.C. § 1692Guarantee FAQ
What is the Maximum FICO Score satisfaction guarantee?
Maximum FICO Score offers two guarantee structures. On month-to-month plans, you can cancel at any time without being charged for that month. On flat-fee plans, a full six-month satisfaction guarantee applies. If you are not satisfied within six months, we will continue working on your file at no extra charge.
Can I cancel my credit repair service at any time?
Yes. On the month-to-month plan, you may cancel at any time with no cancellation fee. You will not be charged for that billing month. This is also consistent with your rights under the CROA, 15 U.S.C. § 1679e, which gives every consumer a three-day right to cancel any credit repair contract.
Is Maximum FICO Score compliant with the Credit Repair Organizations Act?
Yes. Maximum FICO Score follows the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j, in full. We do not charge fees before completing services. We provide written contracts. We give every client a three-day right to cancel. We only use legal dispute methods under the FCRA.
What makes Maximum FICO Score different from other credit repair companies?
Maximum FICO Score specializes in credit improvement. We dispute inaccurate, incomplete, or unverifiable items under the FCRA. We do not use illegal tactics. We have served clients since 2016, follow all three major federal consumer protection laws, and back every service with a written satisfaction guarantee.
What should I look for when choosing a credit repair company?
Check for CROA compliance — no upfront fees, a written contract, and a three-day right to cancel. Ask whether they use FCRA-based dispute methods. Compare fee structures. Look for a clear satisfaction guarantee. Avoid any company that promises to remove accurate negative items or suggests creating a new credit identity.
What is the Credit Repair Organizations Act (CROA)?
The CROA, 15 U.S.C. §§ 1679–1679j, is a federal law that governs all credit repair companies. Under CROA, credit repair organizations cannot charge fees before completing services. They must provide a written contract with all fees and services listed. They must give consumers a three-day right to cancel. They cannot make false claims about improving credit scores.