Credit Repair Plans & Pricing in Bakersfield, CA
Choose Your Credit Repair Plan
All plans include unlimited disputes and ongoing support. Pick the level of service that matches your goals.
- Three-Bureau Credit Analysis
- Personal Information Corrections
- Inquiry Dispute Challenges
- OPT-OUT/Freeze Action Plan
- Creditor Intervention Letters
- Unlimited Disputes
- Monthly Progress Reports
- 24/7 Client Portal Access
- Everything in Emerald Plan
- Maximum Credit Report Analysis
- 30-Day Credit Score Updates
- Identity-Protecting Monitoring
- Debt Validation & C&D Letters
- Additional Strategy Sessions
- Unlimited Disputes incl. Inquiry Challenges
- MaximumEmpower Strategy Support
- All Services from Maximum Impact Plan
- Dedicated Credit Specialist
- Priority Support Access
- Unlimited Client Portal Access
- 6-Month Dispute Management
- Credit-Building Strategy Guidance
- Monthly Progress Reports
- No Monthly Fees — Ever
Feature Comparison
See exactly what's included in each plan side-by-side.
| Features | Emerald | Maximum Impact | Optimum |
|---|---|---|---|
| Three-Bureau Credit Analysis | ✓ | ✓ | ✓ |
| Personal Information Corrections | ✓ | ✓ | ✓ |
| Inquiry Dispute Challenges | ✓ | ✓ | ✓ |
| OPT-OUT/Freeze Action Plan | ✓ | ✓ | ✓ |
| Creditor Intervention Letters | ✓ | ✓ | ✓ |
| Unlimited Disputes | ✓ | ✓ | ✓ |
| Monthly Progress Reports | ✓ | ✓ | ✓ |
| 24/7 Client Portal Access | ✓ | ✓ | ✓ |
| Maximum Credit Report Analysis | — | ✓ | ✓ |
| 30-Day Credit Score Updates | — | ✓ | ✓ |
| Identity-Protecting Monitoring | — | ✓ | ✓ |
| Debt Validation & C&D Letters | — | ✓ | ✓ |
| Additional Strategy Sessions | — | ✓ | ✓ |
| MaximumEmpower Strategy Support | — | ✓ | ✓ |
| Dedicated Credit Specialist | — | — | ✓ |
| Priority Support Access | — | — | ✓ |
| 6-Month Dispute Management | — | — | ✓ |
| Credit-Building Strategy Guidance | — | — | ✓ |
| No Monthly Fees | — | — | ✓ |
| Start Emerald Plan | Start Maximum Impact Plan | Start Optimum Plan |
What Our Clients Say
Real results from real people in Bakersfield who've taken control of their credit.
"Maximum FICO Score helped me remove negative items I thought would stay on my report forever. Their team was professional and attentive throughout the entire process."
"I was able to get approved for a home loan thanks to their credit repair services. The transparent pricing and no hidden fees made me trust them from day one."
"The 30-day credit score updates and dedicated support made all the difference. They kept me informed every step of the way. Highly recommend!"
Your Score Has the Power to Change Everything
A stronger credit profile can unlock better loan terms, lower interest rates, and more financial opportunities. Our team works with you to dispute inaccuracies, build positive credit habits, and put you on the path to a healthier FICO® score.
Talk to a Credit Specialist
Free, No Obligation
Why Choose Maximum FICO Score?
We're committed to your success with transparent processes, proven results, and real support.
BBB A+ Rated
Trust and integrity at the core of everything we do. Verified by the Better Business Bureau.
100% Transparent Pricing
No surprises, no hidden fees. You know exactly what you're paying before you commit.
FCRA & CROA Compliant
We follow all federal laws. Your rights are protected every step of the way.
Real-Time Progress Tracking
Monitor your credit journey 24/7 through our secure client portal. Stay updated monthly.
Local Bakersfield Office
We're in your community. Talk to a real person who understands your local credit challenges.
Cancel Anytime Penalty-Free
No long-term contracts. Your satisfaction is our only obligation.
Pricing Questions
Common questions about our credit repair pricing and services.
We offer three transparent pricing plans: Emerald Plan at $94.99/month plus $195 first work fee, Maximum Impact Plan at $109.99/month plus $265 first work fee, and Optimum Plan at $995 one-time for 6 months of service. No hidden fees. Choose the plan that matches your credit goals.
Absolutely not. We believe in 100% transparent pricing. All costs are clearly listed upfront with no surprise charges. What you see in our pricing is what you pay—no fine print, no unexpected fees.
Yes. We recommend our Maximum Impact Plan for most home buyers due to its 30-day credit score updates and comprehensive credit monitoring. For serious home buyers who want priority support and a dedicated credit specialist, our Optimum Plan is ideal.
We offer a 90-day money-back guarantee. If we do not remove any negative items from your credit report within 90 days, you get a full refund. No questions asked. We stand behind our work.
Yes. You can cancel your service anytime without penalty. No long-term contracts, no cancellation fees. We're confident in our results, but your decision to continue is always yours to make.
We combine FCRA and CROA compliance with real results. BBB A+ rated, 100% transparent pricing, a local Bakersfield office, and a dedicated team that fights for your credit. We're not just another credit repair company—we're your neighbor committed to your financial success.
Legal Compliance
We follow all federal laws protecting your rights and ensuring ethical credit repair.
FCRA Compliance
Fair Credit Reporting Act. We protect your right to accurate credit information and challenge inaccurate reports on your behalf.
FDCPA Compliance
Fair Debt Collection Practices Act. We communicate with creditors and debt collectors ethically and within all legal boundaries.
CROA Compliance
Credit Repair Organizations Act. We provide transparent disclosures, honor your cancellation rights, and guarantee our work ethically.
Your Credit Improvement Starts Today
IMPORTANT INFORMATION ABOUT YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT (FCRA):
The FCRA gives you specific rights regarding your credit information. You may dispute inaccurate items on your credit report by contacting the credit reporting agencies directly. You have the right to know what is in your credit file, to dispute incomplete or inaccurate information, and to have incomplete or inaccurate information removed from your file.
FAIR DEBT COLLECTION PRACTICES ACT (FDCPA):
Debt collectors and creditors must follow the FDCPA. You have the right to request debt validation, cease contact, and file complaints with the Consumer Financial Protection Bureau (CFPB) and your state's attorney general if you believe your rights are violated.
CREDIT REPAIR ORGANIZATIONS ACT (CROA):
As a credit repair organization, we must provide you with: (1) A complete and detailed written explanation of your legal rights under the FCRA; (2) A clear and conspicuous written disclosure of the availability of nonprofit consumer credit counseling services; (3) Our charges, terms of payment, and estimated time to achieve results; (4) A written contract describing services to be performed and our cancellation rights policy.
OUR GUARANTEE:
Maximum FICO Score provides a 90-day money-back guarantee. If we do not remove any verifiable negative items from your credit report within 90 days, we will provide a full refund of service fees paid. This guarantee does not apply to items that you agree are accurate or that cannot be removed by law.
CANCELLATION:
You may cancel this contract at any time without penalty. You have the right to cancel within 3 business days of signing our agreement. After 3 business days, you can cancel at any time with written notice. You will receive a pro-rata refund for services not yet performed.
DISCLAIMER:
We cannot guarantee removal of any specific items from your credit report. Credit repair results vary based on individual circumstances. Negative items that are accurate cannot be legally removed. We work on your behalf to dispute inaccurate or unverifiable items. Results are not guaranteed. You have the same legal right to dispute items on your credit report that we have on your behalf. However, many consumers find it beneficial to work with a credit repair professional who understands the dispute process and has experience with credit reporting agencies.
FICO® is a registered trademark of Fair Isaac Corporation.
Trusted. Transparent. Client-First.
Clear protections and trusted partners—so you feel confident moving forward.
90-Day Money-Back Guarantee
If we don't remove any negatives in 90 days, you get your money back.
CROA Disclosure: As required by law, we cannot guarantee specific results or score increases. Education only. Results vary by credit profile, reporting accuracy, and creditor responses. You may cancel within 3 business days of signing, penalty-free.
ID Theft Insurance & Monitoring
Powered by IdentityIQ. $1M Identity Theft Insurance included.
Coverage and terms depend on the provider's program details. You are entitled to one free credit report per year from each bureau at AnnualCreditReport.com under the FCRA.
A+ BBB Rated
Trusted local Bakersfield service with a proven track record since 2016.
Ratings may change over time; check BBB.org for the most current listing. Maximum FICO Score operates in full compliance with the FCRA, FDCPA, and CROA.
Important Legal Disclosures: Maximum FICO Score is a credit repair organization operating in full compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We do not guarantee the removal of any specific item from your credit report, any specific credit score increase, or any loan approval. You have the right to dispute inaccurate information directly with Experian, Equifax, and TransUnion at no cost. You may cancel services within 3 business days of signing your contract without penalty or obligation. This content is for educational purposes only and does not constitute legal or financial advice.
Real Results
Client-Reported Outcomes After Working With Us on Credit Education, FICO® Factors, and Debt Strategy
Real Benefits. Real Client Experiences.
Our approach focuses specifically on credit report accuracy, education, and actionable steps. However, it is important to note that results vary by person and credit file.
Your Score Has the Power to Change Everything
A stronger credit profile can unlock better loan terms, lower interest rates, and more financial opportunities. Our team works with you to dispute inaccuracies, build positive credit habits, and put you on the path to a healthier FICO® score.
Better Options & Potentially Lower Costs
As a result of improving your credit profile, you may qualify for better loan terms — depending on the lender and your full financial picture.
Utilization Strategy You Can Follow
In addition, you will learn practical utilization targets and payment habits that support healthier credit scoring signals over time.
Focus on Report Accuracy
Moreover, our team helps you dispute items that may be inaccurate or unverifiable, using a documented process under your FCRA rights.
Step-by-Step Guidance
Finally, you receive clear next steps so you can make consistent progress — without confusion or guesswork along the way.
This content is for educational purposes only and does not constitute legal advice. Additionally, we do not guarantee deletions, score increases, or approvals of any kind. Under the FCRA, you have the right to dispute inaccurate information directly with the credit bureaus at no charge.
Common Questions
Expert Answers to Credit Repair & FICO Building FAQs
Educational information only. We do not guarantee deletions, score increases, or approvals. Results vary by credit file, reporting accuracy, and time. Under the FCRA, you have the right to dispute inaccurate information directly with the credit bureaus at no charge. Under the CROA, you may cancel services within 3 business days of signing without penalty.
What is credit repair (and what it isn't)?
Credit repair is the process of reviewing your credit reports and disputing information that may be inaccurate, incomplete, or unverifiable.
- It is: an accuracy-focused dispute and documentation process
- It isn't: a promise to remove accurate negative items or erase valid debt
- It isn't: identity fraud or creating false documents — we do not do that
FCRA Right: You may dispute any item you believe is inaccurate, incomplete, or unverifiable — directly with Experian, Equifax, and TransUnion at no cost.
How long does it take?
Timelines vary. Many people see changes in 30–90 days, while more complex files can take longer.
- Your reporting history, number of accounts, and dispute complexity matter
- Credit bureaus and furnishers have their own response timelines
- Building positive history — payments, utilization — often takes time
FCRA: Credit bureaus are legally required to investigate disputes within 30 days (or 45 days in certain circumstances) of receiving them.
What documents do I need?
To start, you typically need basic identification and your credit report access.
- Government-issued photo ID
- Proof of address — utility bill, bank statement, or lease
- Your credit reports or a 3-bureau report
- Supporting paperwork for specific items, if available
Free Reports: You are entitled to free credit reports from all three bureaus at AnnualCreditReport.com under the FCRA.
What results can I realistically expect?
Realistic expectations depend on whether items are reporting accurately and how your overall profile is managed.
- Possible outcomes: corrections to inaccurate reporting, updated statuses, or removal of unverifiable items
- Not guaranteed: deletions of accurate negatives, specific score increases, or loan approvals
- Best approach: disputes plus rebuilding — utilization targets, on-time payments, fewer new inquiries
CROA Disclosure: As required by law, no credit repair company may guarantee specific results or promise to remove accurate information from your credit report.
Why does your credit report matter so much?
Your credit report affects more than just a score. It can influence approval decisions and pricing across many areas of life.
- Auto loans and refinancing terms
- Home loan approvals and interest rates
- Credit card limits and offers
- Insurance pricing in some states
- Rental housing and some employment decisions
Your Rights: Under the FCRA, you have the right to know what is in your file, to dispute inaccuracies, and to be notified if your report has been used against you.
What should I do right now?
If you want the fastest clarity, start with your reports and a plan.
- Get a current 3-bureau report so we are looking at the same data
- Complete your free assessment so we can review your situation
- Follow a simple rebuild plan: utilization targets, on-time payments, smart application timing
No Obligation: Your free assessment is informational only. You are not required to purchase any service. We will give you an honest review regardless.
CROA: You may cancel within 3 business days of signing, penalty-free. Maximum FICO Score complies with the FCRA, FDCPA, and CROA. Not legal advice. Results vary.
Full Legal Disclosure: Maximum FICO Score is a credit repair organization operating in compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We do not guarantee removal of any specific credit report item, any specific score increase, or any loan approval. You have the right to dispute inaccurate information directly with Experian, Equifax, and TransUnion at no cost. Services may be cancelled within 3 business days of contract execution. This content is educational only and does not constitute legal or financial advice.
Not Sure Which Plan Is
Right for You?
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Get a comprehensive breakdown of your credit report today.