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're 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're not fully satisfied with the results within six months, our team continues 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 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. We honor 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 § 1681iChoose 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're 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
A compliant company won't charge fees before completing services, will provide a written contract, and must give you a three-day right to cancel. Payment before work begins is a CROA violation.
Compare the Fee Structure
Look at both month-to-month and flat-fee options. On flat-fee, ask whether a satisfaction guarantee is included. Make sure all fees are disclosed in writing before you agree.
Confirm FCRA-Based Disputes
Legitimate companies use only legal methods under the FCRA (15 U.S.C. § 1681i) — disputing inaccurate, incomplete, or unverifiable items. Not file segregation or fake SSNs.
Request the Rights Disclosure
Under CROA § 1679c, every company must give you a written statement of your rights before you sign — including your right to dispute errors yourself for free.
Look for a Clear Guarantee
A reputable company backs its work — a cancellation policy on month-to-month plans or a service-continuation guarantee on flat-fee. Maximum FICO Score provides both.
Red Flags That Signal a Credit Repair Scam
The FTC and 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
A direct violation of CROA, 15 U.S.C. § 1679b. No legitimate company charges fees before completing services.
Promises to Remove Accurate Items
No company can legally remove accurate, verified negative information before its reporting period expires. Claims otherwise violate CROA.
Suggests a New Credit Identity
Advising you to use an EIN in place of your SSN is illegal — called file segregation, it's a federal crime.
Does Not Provide a Written Contract
CROA, 15 U.S.C. § 1679d, requires a written contract before any services begin. Skipping it is illegal.
Hides Your Free Dispute Rights
Under CROA § 1679c, every company must tell you that you can dispute errors yourself for free under the FCRA.
Guarantees a Specific Score Increase
No company can guarantee a specific point increase — scores depend on many factors. Specific guarantees 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
Governs all credit repair companies. It bans advance fees, requires written contracts, mandates a three-day cancellation right, and prohibits false claims about credit improvement. We follow every provision.
FCRA — Fair Credit Reporting Act
Gives consumers the right to dispute inaccurate information on their credit reports. Equifax, Experian, and TransUnion must investigate disputes within 30 days under § 1681i. All our disputes use FCRA-authorized methods.
FDCPA — Fair Debt Collection Practices Act
Protects consumers from abusive, deceptive, or unfair debt collection practices. Understanding FDCPA rights is part of the credit education we provide to every client.
Guarantee FAQ
Start Your Credit Repair Journey Today
Maximum FICO Score has helped over 100,000 clients since 2016. Our process is ethical, transparent, and fully backed by our satisfaction guarantee. Let us show you what's possible.
© 2026 Maximum FICO Score • 4646 Wilson Road, Suite 101, Bakersfield, CA 93309 • (661) 505-8085. Maximum FICO Score is a credit repair organization operating in compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j, the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692. Individual results vary. No specific score increase is guaranteed. This page is for informational purposes only and does not constitute legal advice. FICO® is a registered trademark of Fair Isaac Corporation. Maximum FICO Score is not affiliated with Fair Isaac Corporation, Equifax, Experian, or TransUnion. Learn more at the FTC: ftc.gov.