Ownership & Funding Disclosure

Last updated: May 11, 2026

Trust starts with knowing who you’re dealing with. This page discloses the full ownership structure of Maximum Fico Score, how we are funded, and how we make money — so you can evaluate our credit education content and services with complete transparency. We believe consumers deserve to know exactly who is behind any credit repair company they engage with.

Legal Entity and Ownership Structure

Maximum Fico Score is a privately held credit repair and credit education company operating out of Bakersfield, California. The company was founded in 2016 and has served clients in all 50 states since its inception. We are not a publicly traded company. We have no parent company, no holding entity, no franchise relationship, and no outside ownership stake in our business.

The company operates from a single physical office located at:

Founder and Leadership

Maximum Fico Score was founded by Isaac Palacios, who serves as the company’s owner, CEO, and lead credit consultant. Isaac founded the company in 2016 with a single mission: to provide consumers with honest, ethical, and federally compliant credit repair services rooted in the consumer’s rights under the Fair Credit Reporting Act (FCRA).

Isaac has personally reviewed more than 5,000 consumer credit files over the course of his career and oversees all editorial content published on this website. He is responsible for the company’s day-to-day operations, compliance with the Credit Repair Organizations Act (CROA), and the standards of service applied to every client engagement. There is no separate executive team, no board of directors, and no advisory council with editorial or operational influence over the business.

How We Make Money

Maximum Fico Score generates revenue from two clearly disclosed sources:

1. Service fees paid by clients — Our primary revenue source. Clients pay flat monthly fees for credit repair and credit education services, with all pricing disclosed in writing before any contract is signed. Per the Credit Repair Organizations Act, clients may cancel within three business days of signing for a full refund, no questions asked.
2. Disclosed affiliate relationships — When we recommend a third-party product or service that supports credit building (such as a secured credit card, a credit-builder loan, or a rent-reporting platform), we may receive a small affiliate commission if a reader signs up through our link. Every affiliate link on our site is tagged with rel="sponsored nofollow" in our HTML and disclosed in the surrounding text.

We do not sell client data. We do not run paid advertising for third-party financial products. We do not accept payment for editorial coverage, positive reviews, or content placement.

Funding and Investors

Maximum Fico Score is self-funded through revenue generated by client services since the company’s founding in 2016. We have not raised outside capital, taken on private equity investment, or received venture capital funding. We have no institutional investors and no individual investors outside of the founder.

We have not received grants from any government agency, nonprofit foundation, or industry association. We are not affiliated with, owned by, or funded by any credit bureau, lender, debt collector, or consumer reporting agency.

Business Independence

Because Maximum Fico Score is independently owned and funded entirely by client revenue, no third party has the authority to direct, edit, or influence:

This independence is a core part of how we serve consumers ethically. We answer only to our clients and to the federal laws that govern our industry.

Compliance and Accreditation

Maximum Fico Score is accredited by the Better Business Bureau with an A+ rating and operates in full compliance with:

• The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681
• The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692
• The Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679
• The CAN-SPAM Act, 15 U.S.C. § 7701
• California state consumer protection laws applicable to credit repair organizations

Changes in Ownership or Funding

If our ownership structure, funding sources, or affiliate relationships materially change at any point in the future, we will update this page promptly and note the date of the change at the top of the page. Any sale, merger, acquisition, or change of control of Maximum Fico Score will be disclosed here as well.

Questions About Our Business

If you have questions about our ownership, funding, or business practices that are not addressed on this page, please reach out:

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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 Ownership & Funding Disclosure is reviewed and updated as needed, with mandatory annual review. Last update: May 11, 2026.