Client Support (661) 505-8085 Client Support (661) 518-2540 Email: Support@maximumficoscore.com Bakersfield, CA · Serving all 50 states
English English
Maximum FICO Score logo Maximum FICO Score Moving forward with integrity through personalized credit repair and counseling.
Client Support (661) 505-8085 Client Support (661) 518-2540 Free Credit Assessment Free Assessment
● BBB A+ Rated ★★★★★ 162 Google Reviews ● 90-Day Money-Back Guarantee ● FCRA & FDCPA Compliant ● Since 2016
Comprehensive Credit Solutions • Serving All 50 States

Credit, Funding & Coaching Services in Bakersfield, CA

From credit repair and education to home-loan preparation and trusted partner referrals for funding and debt settlement, one team coordinates your whole credit journey. Results vary by individual credit profile.

Ready to Get Started Have Questions? Book a Free Call

Prefer to talk first? Client Support: 661-505-8085

BBB A+ Rated ★★★★★ 162 Reviews Since 2016 Se Habla Español
Our Approach

Direct Services and Trusted Partner Referrals

Some services we provide directly under our CROA-compliant credit repair and education model. For services that require specialized licensing — like debt settlement and funding — we connect you with vetted, licensed partners. Either way, you get one team coordinating your credit journey, with full transparency at every step.

What's free vs. paid: Your initial assessment and consultation are free, with no obligation. Ongoing services are paid — with no advance fees, as required by federal law. We'll always tell you what's free and what's paid before you commit.
Category 1

Credit Restoration & Protection

Most Requested

Credit Repair & Disputes

We dispute items that appear inaccurate, incomplete, or unverifiable across all three bureaus, using your rights under the FCRA, FDCPA, and Metro 2 reporting standards.

  • 3-bureau credit report audit
  • FCRA §611 disputes filed for you
  • FDCPA §809 debt validation demands
  • Metro 2 reporting challenges
  • Monthly progress reports
Learn More
1-on-1 Guidance

Credit Counseling

Personalized one-on-one sessions to help you understand your credit profile, your debt-management options, and the best path forward for your situation.

  • Personal credit profile review
  • Debt payoff prioritization
  • Budget-friendly payment strategies
  • Lender communication guidance
  • Bilingual support (EN/ES)
Learn More
Stay Protected

Credit Monitoring

Ongoing monitoring across all three credit bureaus so you can catch errors, identity theft, and reporting changes as they happen.

  • Tri-bureau credit monitoring
  • Identity-theft alerts
  • Score-change notifications
  • New-account fraud detection
  • Monthly reports delivered
Learn More
Category 2

Credit Preparation for Major Financial Goals

Mortgage Ready

Home Loan Credit Preparation

We help prepare your credit profile before you apply for a mortgage — reviewing your mortgage-model FICO scores, disputing items that appear inaccurate, and timing the work around your target closing date.

  • Review of mortgage FICO models (2/4/5)
  • Roadmap aligned to your closing timeline
  • Strategic dispute timing
  • Utilization guidance
  • Coordination with your loan officer

Maximum FICO Score is not a mortgage lender, broker, or originator. We prepare credit; we do not originate or process loans. Results vary.

Learn More
Prepare to Apply

Solar Financing Credit Preparation

Planning to finance a home solar installation? We help you work on your credit profile and dispute items that appear inaccurate so you're better positioned when you apply for solar loan programs.

  • Credit review for solar lender requirements
  • FCRA disputes on inaccurate items
  • Utilization guidance
  • Pre-application credit checklist
  • Coordination with your solar installer

Maximum FICO Score is not a solar lender, finance broker, or originator. We prepare credit only. Results vary.

Get Started
Partner: TruFinCo

Personal & Business Funding

We help you build the credit profile that puts you in a stronger position to apply for funding. When you're ready, we connect you with TruFinCo, our funding partner with its own network of licensed lenders.

  • Credit prep before you apply
  • Profile review and guidance
  • Direct referral to TruFinCo
  • Single trusted application form

Affiliate disclosure: Maximum FICO Score is an authorized affiliate of TruFinCo and may receive a referral fee when clients apply through our link. We are not a lender or loan broker, and do not guarantee approval.

Apply Through TruFinCo
Trusted Partner Spotlight

Funding Partner: TruFinCo

For clients ready to explore personal or business funding, we partner with TruFinCo, a financial solutions company that specializes in funding for growth. Maximum FICO Score helps get your credit ready; TruFinCo's licensed network handles the actual funding evaluation.

  • Personal funding for individual goals
  • Business funding for entrepreneurs and small businesses
  • A network of licensed lenders reviews your application
  • Streamlined single-application process
Apply Through TruFinCo →

TruFinCo

Business Funding & Financial Solutions for Growth
SpecialtyPersonal & business funding
ApplicationSingle online form
NetworkMultiple licensed lenders
Websitetrufinco.com

Important disclosure: By clicking the application link, your information may be shared with TruFinCo and one or more lenders in their network to evaluate funding eligibility. Maximum FICO Score does not provide or originate loans and does not guarantee approval. TruFinCo is an independent company operating under its own licenses and regulations.

Category 3

Education, Coaching & Debt Settlement Support

Learn for Life

Credit Education & Resources

Free tools, calculators, and step-by-step guides so you understand exactly what's affecting your score and how to maintain a healthy credit profile over time.

  • Credit calculators & tools
  • FICO factor explanations
  • FCRA, FDCPA, Metro 2 guides
  • Utilization & AZEO strategies
  • Free DIY dispute templates
Explore Resources
Build Lasting Habits

Financial Coaching

Coaching that goes beyond credit. We help you build a healthier relationship with money — budgeting, saving, and the habits that protect the credit you've worked to improve.

  • Personalized financial goal setting
  • Budgeting & cash-flow review
  • Savings & debt-payoff planning
  • Long-term credit-health habits
  • Bilingual sessions available

Maximum FICO Score is not a registered investment advisor and does not provide investment, tax, or securities advice.

Book a Session
Licensed Partner

Debt Settlement Support

If you're overwhelmed by debt and considering settlement, we explain how the process works and connect you with our trusted, licensed debt settlement partner. We do not negotiate or settle debts ourselves.

  • Debt settlement education
  • Honest pros & cons review
  • Referral to a licensed partner
  • Coordinated credit-recovery plan
  • Bilingual support throughout

Important: Maximum FICO Score does not negotiate, settle, or prorate debts. Debt settlement is provided by our licensed partner under their own regulatory framework.

Discuss Your Options

Not Sure Which Service Fits?

Start with a free, no-obligation consultation. We'll review your reports and recommend the right path forward — honestly. Results vary by individual credit profile.

Ready to Get Started Have Questions? Book a Free Call
Why Bakersfield Trusts Us

Why Bakersfield Trusts Maximum FICO Score

We don't just dispute or refer — we educate, coordinate, and stay accountable to you and to federal law at every step.

Local Since 2016

Bakersfield-based at 4646 Wilson Road. Real office, real team, real accountability.

Fully Compliant

FCRA, FDCPA, CROA, and the California Credit Services Act. No advance fees, ever.

90-Day Money-Back

If we don't remove any items within 90 days, you get a full refund. It's a refund policy, not a removal promise.

Bilingual Support

Atención en español. Serving Kern County and all 50 states remotely.

Common Questions

Frequently Asked Questions

Straight answers to the questions we hear most. If yours isn't here, call (661) 505-8085 — we're happy to help.

Which service is right for me?
Start with a free consultation or assessment. We'll review your credit reports and recommend the right path — credit repair if you have items that appear inaccurate, home-loan prep if you're buying soon, financial coaching to build healthier habits, or a partner referral for debt settlement or funding when those make sense for your situation.
Do you charge advance fees?
No. Federal law (CROA) prohibits credit repair organizations from charging advance fees, and we operate in full compliance. You only pay for completed work. Every client also receives a free initial assessment before any commitment.
How does the debt settlement referral work?
If debt settlement appears to be a fit, we explain how the process works — including the credit-score impact, possible tax implications, and timeline. When you're ready, we refer you to our licensed debt settlement partner, who handles the actual negotiation under their own state and federal licensing. Maximum FICO Score does not negotiate or settle debts.
What does "credit preparation" mean for home loans, solar, and funding?
It means we help get your credit profile ready — reviewing scores, disputing items that appear inaccurate, offering utilization guidance, and coordinating with your loan officer or installer — so you're better positioned when you apply. We are not a mortgage broker, solar finance broker, or business loan broker. We prepare credit; licensed partners handle the financing.
Who is TruFinCo, and do you receive compensation?
TruFinCo is our personal and business funding partner. They have their own network of licensed lenders and operate under their own regulatory licenses. Maximum FICO Score is an authorized affiliate of TruFinCo and may receive a referral fee when clients apply through our link. This compensation does not affect our recommendation or your ability to compare other options independently.
Is financial coaching the same as financial advising?
No. Financial coaching focuses on habits, goal setting, and budgeting — it's educational. Financial advising involves specific investment recommendations and securities advice, which legally requires a licensed Registered Investment Advisor (RIA). Maximum FICO Score is not a registered investment advisor. If you need investment advice, we encourage you to consult a licensed RIA.
Can you guarantee a specific score increase or loan approval?
No — and under the Credit Repair Organizations Act (CROA), no credit repair company legally can guarantee a specific score increase. Neither we nor our partners can guarantee loan approval, which depends on lender underwriting. What we can promise is honest work, full federal compliance, and our 90-day money-back guarantee on credit repair services if we don't perform. Results vary by individual credit profile.
Do you serve clients outside Bakersfield?
Yes. While our office is at 4646 Wilson Road in Bakersfield, our entire process can be completed remotely through our secure client portal, phone, and email. We serve clients across all 50 states. Local clients are welcome to visit in person.

Not Sure Where to Start?

Get a free, no-obligation review of your situation. We'll look at your reports, explain what can be done, and recommend the right path forward — honestly.

Ready to Get Started Have Questions? Book a Free Call

Prefer to talk first? Client Support: 661-505-8085

Important Disclosures: Maximum FICO Score is a credit repair organization operating in compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Credit Repair Organizations Act (CROA), and California Credit Services Act. We do not guarantee removal of any specific item from your credit report or any specific score increase. Results vary by individual credit profile.

Service Boundaries: Maximum FICO Score is not a mortgage lender, mortgage broker, mortgage originator, solar finance broker, business loan broker, debt settlement company, or registered investment advisor. Services involving debt settlement and funding are provided by independent licensed partners. Our role is limited to credit education, credit preparation, and authorized partner referrals.

FTC Affiliate Disclosure: Maximum FICO Score participates in affiliate referral programs, including with TruFinCo. We may receive compensation when clients apply through our partner referral links. These referral relationships do not increase your cost of service from the partner.

Consumer Rights: You have the right to dispute inaccurate information directly with the credit reporting agencies free of charge. You may cancel credit repair services within 3 business days of signing your contract — completely penalty-free. This page is educational only and does not constitute legal, financial, or investment advice. FICO® is a registered trademark of Fair Isaac Corporation.