Terms and Conditions
Please read these terms carefully before using our services. By enrolling with Maximum Fico Score, you agree to these terms.
Terms at a Glance
Here's a quick, plain-English summary of our terms:
- 3-Day Cancellation Right — Cancel within 3 business days of signing for a full refund, no questions asked.
- 90-Day Satisfaction Guarantee — Not satisfied with our service? Request a refund review within 90 days.
- No Upfront Fees — We comply with federal law and don't charge before services are performed.
- No Guaranteed Results — We cannot promise specific credit score increases or deletions.
- Your Rights Are Protected — Federal laws (FCRA, FDCPA, CROA) and state laws (CCPA) protect you.
- Cancel Anytime — You may cancel your services at any time without penalty.
- Questions? — Contact us at contact@maximumficoscore.com
Agreement to Terms
This Terms and Conditions of Use Agreement ("Terms") is between you and Maximum Productions LLC d/b/a Maximum Fico Score ("we," "us," or "Maximum Fico Score"), with a principal place of business at:
Our Address
4646 Wilson Road, Suite 101
Bakersfield, CA 93309
A California Corporation
By using our website (maximumficoscore.com) or enrolling in our services, you agree to be bound by these Terms. This is a legally binding agreement. If you do not agree with these Terms, please do not use our website or services.
Our Services
Maximum Fico Score provides credit improvement services, including:
- Credit Education — Helping you understand your credit reports and scores
- Dispute Assistance — Preparing and sending dispute letters to credit bureaus on your behalf
- Credit Report Analysis — Reviewing your credit reports for inaccurate, incomplete, or unverifiable information
- Consulting Services — Providing guidance on credit improvement strategies
Important Notice
We do not provide legal advice. Our services are not a substitute for obtaining legal counsel. For specific legal advice regarding your circumstances, please consult with a licensed attorney.
Your 3-Day Right to Cancel
Federal Law Protects You
Under the Credit Repair Organizations Act (CROA), you have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
How to Cancel Within 3 Days
- Email: contact@maximumficoscore.com
- Phone: 661-505-8085
- Mail: Maximum Fico Score, 4646 Wilson Road, Suite 101, Bakersfield, CA 93309
If you cancel within 3 business days, you will receive a full refund of any fees paid, no questions asked.
90-Day Satisfaction Guarantee
Our Commitment to You
If you are not satisfied with your service experience during the first 90 days of enrollment, you may request a refund review.
This guarantee is based on service quality — not credit outcomes.
Eligibility for Refund Consideration
Refunds may be considered if:
- Services were not delivered as described
- Dispute assistance was not performed
- You cancel within the first 90 days
- Written notice of dissatisfaction is provided
Refunds Are NOT Based On
- Credit score changes
- Number of deletions
- Credit bureau decisions
- Creditor responses
- Loan approvals or denials
Refund Policy
Our refund policy is designed to be fair and transparent:
- Refunds must be requested within 90 days of enrollment
- Refunds are limited to fees paid during the first 90 days
- Setup/administrative fees may be non-refundable once work begins
- Approved refunds are processed within 7-10 business days
For complete details, please review our Refund & Cancellation Policy.
Client Responsibilities
To ensure the best possible service, clients agree to:
Provide Accurate Information
Submit truthful and complete information on all forms and applications.
Make Timely Payments
Pay fees according to your selected plan to maintain active services.
Respond to Requests
Provide requested documents promptly to avoid service delays.
Review Communications
Read emails and updates from our team regarding your case.
Payments & Billing
Fees are billed according to your selected service plan. Important billing information:
- No Advance Fees: We comply with federal law and do not charge fees before services are performed.
- Payment Methods: We accept major credit cards and ACH payments through our secure payment processors.
- Failed Payments: Failure to pay may result in suspension or cancellation of services.
- Cancellation: You may cancel anytime without penalty. Future charges stop after cancellation confirmation.
Your Consumer Protection Rights
As a consumer, you are protected by several federal and state laws. We are committed to full compliance with all applicable consumer protection laws. Below is an overview of your rights under each law.
FCRAFair Credit Reporting Act
Protects the accuracy, fairness, and privacy of your credit information.
- Access your credit reports
- Dispute inaccurate information
- Know who accessed your report
FDCPAFair Debt Collection Practices Act
Protects you from abusive debt collection practices.
- Stop harassment calls
- Request debt validation
- Sue for violations
CROACredit Repair Organizations Act
Regulates credit repair companies and protects consumers.
- 3-day cancellation right
- No upfront fees
- Written contracts required
CFPBConsumer Financial Protection Bureau
Federal agency that enforces consumer financial laws.
- File complaints
- Get help with disputes
- Access educational resources
CCPACalifornia Consumer Privacy Act
Gives California residents control over their personal data.
- Know what data is collected
- Request data deletion
- Opt-out of data sales
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (15 U.S.C. § 1681) is a federal law that promotes accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Your Rights Under FCRA
Access Your Reports
You have the right to obtain a free copy of your credit report from each bureau once every 12 months at AnnualCreditReport.com.
Dispute Inaccuracies
You can dispute inaccurate or incomplete information directly with credit bureaus. They must investigate within 30 days.
Know Who Accessed Your Report
You have the right to know who has requested your credit report in the past year (two years for employment).
Time Limits on Negative Info
Most negative information must be removed after 7 years. Bankruptcies can remain for 10 years.
Limit Access to Your Report
Only those with a valid need (creditors, employers with consent, insurers) can access your credit report.
Sue for Violations
You can sue credit bureaus, creditors, or others who violate your FCRA rights for damages.
Important FCRA Note
Neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report. Only inaccurate, incomplete, or unverifiable information can be disputed and potentially removed.
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (15 U.S.C. § 1692) protects consumers from abusive, unfair, and deceptive practices by debt collectors.
Your Rights Under FDCPA
Stop Harassment
Debt collectors cannot harass, threaten, or use abusive language. They cannot call before 8am or after 9pm.
Request Validation
You can request written validation of the debt within 30 days of first contact. The collector must stop until they provide it.
Request No Contact
You can send a written request to stop all contact. The collector can only contact you to confirm or notify of legal action.
Privacy Protection
Collectors cannot discuss your debt with others (except your spouse, attorney, or co-signers).
No False Statements
Collectors cannot lie about the amount owed, threaten arrest, or misrepresent themselves.
Sue for Violations
You can sue collectors who violate the FDCPA for up to $1,000 in statutory damages plus actual damages.
Credit Repair Organizations Act (CROA)
The Credit Repair Organizations Act (15 U.S.C. § 1679) regulates credit repair companies and protects consumers from deceptive practices.
Your Rights Under CROA
3-Day Cancellation Right
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it — and receive a full refund.
Written Contract Required
Credit repair companies must provide a written contract detailing services, costs, and timeframes.
No Upfront Fees
Credit repair companies cannot charge fees until services have been fully performed.
No False Claims
Companies cannot make false claims about their services or guarantee specific results.
Right to Sue
You can sue credit repair organizations that violate CROA for actual damages, punitive damages, and attorney fees.
Required Disclosure Statement
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.
The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days.
You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
Consumer Financial Protection Bureau (CFPB)
The Consumer Financial Protection Bureau is a federal agency that enforces consumer financial laws and helps consumers with financial complaints.
How the CFPB Protects You
- Enforces Consumer Laws: The CFPB enforces federal consumer financial laws including FCRA, FDCPA, and CROA.
- Handles Complaints: You can file complaints about credit bureaus, debt collectors, and financial companies.
- Provides Education: Free resources to help you understand your financial rights.
- Investigates Companies: The CFPB investigates and takes action against companies that violate consumer laws.
File a Complaint with the CFPB
If you believe your rights have been violated, you can file a complaint at:
Website: consumerfinance.gov/complaint
Phone: (855) 411-CFPB (2372)
California Consumer Privacy Act (CCPA)
The California Consumer Privacy Act gives California residents specific rights regarding their personal information.
Your Rights Under CCPA
Right to Know
Request what personal information we've collected, where it came from, and how we use it.
Right to Access
Request a copy of the personal information we have collected about you.
Right to Delete
Request that we delete your personal information, subject to certain exceptions.
Right to Opt-Out
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 your CCPA rights.
Right to Correct
Request correction of inaccurate personal information we maintain about you.
To exercise your CCPA rights, contact us at contact@maximumficoscore.com or call 661-505-8085. For our complete privacy practices, see our Privacy Policy.
Credit Bureau Contact Information
You have the right to contact the credit bureaus directly to dispute inaccurate information or obtain your credit reports:
| Credit Bureau | Website | Phone |
|---|---|---|
| Equifax | equifax.com | (800) 685-1111 |
| Experian | experian.com | (888) 397-3742 |
| TransUnion | transunion.com | (800) 916-8800 |
Free Annual Credit Reports
You are entitled to one free credit report from each bureau every 12 months. Request yours at AnnualCreditReport.com — the only federally authorized source.
Disclaimers
No Guaranteed Results
Credit results vary based on reporting accuracy, creditor verification, and consumer behavior. We do not guarantee specific credit score increases, deletions, or outcomes. Results depend on independent investigations conducted by TransUnion, Experian, and Equifax.
Not Legal Advice
The materials and information provided by Maximum Fico Score are for general information purposes only and do not constitute legal advice. For specific legal advice regarding your circumstances, please consult with a licensed attorney.
Website "As Is"
Our website and services are provided on an "as is, as available" basis. We make no warranties regarding the accuracy, reliability, or availability of our website or services.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on third-party sites.
Limitation of Liability
To the fullest extent permitted by law:
- Maximum Fico Score is not liable for actions taken by creditors, lenders, or credit bureaus.
- We are not liable for any indirect, incidental, special, consequential, or punitive damages.
- Our total liability shall not exceed the amount you paid for services in the 12 months preceding the claim.
You agree to indemnify and hold Maximum Fico Score harmless from any claims arising from your breach of these Terms or misuse of our services.
Dispute Resolution & Arbitration
We prefer to resolve disputes amicably. If a dispute arises:
Step 1: Contact Us First
Please contact us at contact@maximumficoscore.com or call 661-505-8085. Most issues can be resolved quickly through direct communication.
Step 2: Binding Arbitration
If we cannot resolve the dispute informally, you and Maximum Fico Score agree to resolve any claims through binding arbitration rather than in court, except for claims that may be brought in small claims court.
Arbitration Terms
- Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
- Arbitration will take place in Kern County, California, or another mutually agreed location.
- The arbitrator's decision will be final and binding.
- Each party will bear their own costs, unless the arbitrator determines otherwise.
Class Action Waiver
You agree that any dispute resolution will be conducted only on an individual basis and not in a class, consolidated, or representative action.
Exceptions
This arbitration agreement does not prevent you from filing a complaint with the CFPB, FTC, or your state attorney general.
Governing Law
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.
Maximum Fico Score provides services to residents of states where credit repair services are legal and permitted. By using our services, you represent that credit repair services are legal in your state of residence.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in ful