Privacy Policy
Your privacy matters to us. This policy explains how we collect, use, and protect your personal information.
Privacy Policy at a Glance
Here's a quick, plain-English summary of our privacy practices:
- We collect only what's necessary — name, contact info, SSN, and credit reports to provide our credit repair services.
- We never sell your data — your personal information is never sold to third parties for marketing.
- We use trusted partners — Credit Repair Cloud (CRM), Billsby, Authorize.net, and NMI for secure payment processing.
- We protect your information — industry-standard encryption and security measures safeguard your data.
- We keep data for 5 years max — after which your information is securely deleted.
- You have rights — as a California resident, you can access, delete, or opt-out of data collection (CCPA).
- Questions? — Contact us anytime at contact@maximumficoscore.com
Who We Are
This privacy policy applies to websites owned and operated by:
Maximum Productions LLC d/b/a Maximum Fico Score
4646 Wilson Road, Suite 101
Bakersfield, CA 93309
A California Corporation
At Maximum Fico Score, we specialize in credit improvement services. We respect your privacy and are committed to protecting your personal information. We do not collect personally identifying information without your permission.
Information We Collect
We collect information necessary to provide our credit repair services. Here's exactly what we collect and why:
| Data Type | Purpose |
|---|---|
| Full Name | To identify you and communicate with credit bureaus on your behalf |
| Address | Required for credit bureau correspondence and identity verification |
| Email Address | To send service updates, documents, and communicate with you |
| Phone Number | For direct communication regarding your case |
| Social Security Number | Required to access and dispute items on your credit reports |
| Credit Reports | To analyze your credit and identify items for dispute |
| IP Address | For website security and analytics |
Important Note
We only collect information that you voluntarily provide to us through our registration forms, applications, or service contracts. We do not collect data without your knowledge or consent.
How We Use Your Information
We use the information we collect for the following purposes:
- Provide Services: To deliver the credit repair services you've enrolled in
- Credit Bureau Communication: To dispute inaccurate items on your credit reports
- Account Management: To manage your account and process payments
- Communication: To contact you about your case, updates, and service-related matters
- Legal Compliance: To comply with applicable laws and regulations
- Service Improvement: To improve our services and website functionality
Third-Party Services We Use
To provide our services effectively and securely, we work with the following trusted third-party providers:
These providers have their own privacy policies and security measures. We only share the minimum information necessary for them to perform their services. We encourage you to review their privacy policies:
Information Sharing
We do not sell your personal information. We may share your information only in the following circumstances:
- With Your Consent: When you authorize us to share information to perform services on your behalf
- Service Providers: With trusted third-party vendors who assist in providing our services (listed above)
- Credit Bureaus: To dispute items on your credit reports as part of our services
- Legal Requirements: When required by law, court order, or government request
- Business Transfers: In connection with a merger, acquisition, or sale of assets (you would be notified)
We Never
Sell, rent, or trade your personal information to third parties for their marketing purposes.
Data Retention
We retain your personal information for a maximum of 5 years after your service ends. This retention period allows us to:
- Comply with legal and regulatory requirements
- Resolve disputes and enforce our agreements
- Provide documentation if needed for your records
After the 5-year retention period, your personal information is securely deleted from our systems. You may request earlier deletion of your data (subject to legal requirements) by contacting us.
Your California Privacy Rights (CCPA)
As a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information:
Right to Know
You can request what personal information we've collected about you, where it came from, and how we use it.
Right to Access
You can request a copy of the personal information we have collected about you.
Right to Delete
You can request that we delete your personal information, subject to certain exceptions.
Right to Opt-Out
You can opt-out of the sale of your personal information. Note: We do not sell your data.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights.
Right to Correct
You can request that we correct inaccurate personal information we maintain about you.
How to Exercise Your Rights
To exercise any of these rights, please contact us at:
- Email: contact@maximumficoscore.com
- Phone: 661-505-8085
We will respond to your request within 45 days. We may need to verify your identity before processing your request.
Security Measures
We take the security of your personal information seriously. We implement the following safeguards:
- Encryption: Industry-standard SSL/TLS encryption for all data transmission
- Access Controls: Restricted access to personal information on a need-to-know basis
- Secure Storage: Physical, electronic, and procedural safeguards to protect your data
- Regular Monitoring: Continuous monitoring for security threats and vulnerabilities
- Employee Training: Staff trained on privacy and security best practices
Your Role in Security
We encourage you to protect your account by using strong passwords, changing them regularly, and never sharing your login credentials. If you suspect unauthorized access to your account, contact us immediately.
Cookies & Tracking Technologies
Our website uses cookies and similar technologies to improve your experience:
What Are Cookies?
Cookies are small text files stored on your device when you visit our website. They help us remember your preferences and understand how you use our site.
Types of Cookies We Use
- Essential Cookies: Required for the website to function properly
- Analytics Cookies: Help us understand how visitors interact with our website
- Preference Cookies: Remember your settings and preferences
Managing Cookies
You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.
IP Addresses
We collect IP addresses to help diagnose server problems, administer our website, and analyze traffic patterns. This information is not linked to personally identifiable information.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete that information promptly.
If you believe we have inadvertently collected information from a child, please contact us immediately at contact@maximumficoscore.com.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make changes:
- We will update the "Last Updated" date at the top of this page
- For significant changes, we may notify you via email or a prominent notice on our website
- Your continued use of our services after changes indicates acceptance of the updated policy
We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Us
If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us:
Get in Touch
Email: contact@maximumficoscore.com
Phone: 661-505-8085
Address:
Maximum Fico Score
4646 Wilson Road, Suite 101
Bakersfield, CA 93309