- FCRA & FDCPA Compliant
Credit Repair & Credit Education Services in Bakersfield
Maximum Fico Score
Maximum FICO Score is a CROA-compliant credit repair organization based in Bakersfield, CA, specializing in auditing and disputing inaccurate items on Equifax, Experian, and TransUnion reports under the Fair Credit Reporting Act (FCRA). Since 2016, we have provided transparent, legal credit restoration and financial literacy to help consumers reach their maximum FICO potential.
Credit Score
FICO® 8
750
+120
Experian
752
Equifax
748
TransUnion
750
- Inaccurate items Disputed & Removed
- Protected
Restoring Credit. Rebuilding Lives. Moving Forward with Integrity.
Your Credit Report Should Be Accurate.
We Make Sure It Is.
Maximum Fico Score is a BBB A+ rated credit repair company based on Wilson Road in Bakersfield, serving clients across all 50 states. Our 90-day money-back guarantee means you never pay for results we can't deliver.
CROA Disclosure: We cannot guarantee specific results or score increases. Individual results vary based on your credit profile.
Real Results From Real Bakersfield Families
We don't ask you to take our word for it. Our clients speak for themselves — on Google, on the BBB, and in the results they've achieved. With 156 five-star Google reviews and a BBB A+ rating, our track record speaks louder than any sales pitch.
"God bless Isaac and his team! Professionalism is a 10/10 and not to mention that they make you feel like family. You can feel the sincerity whenever Isaac is talking to you, he always has an answer for any doubt you might have which brings so much peace of mind!"
"My husband and I needed to work on our credit enough to purchase a home. He took care of it all and helped us get our credit up to where we needed. If you need any credit repair help, he and his team are the ones you want! Super professional every step of the way!"
"I recently had the pleasure of working with Maximum Fico Score. Isaac was professional, knowledgeable, and genuinely invested in helping me achieve my financial goals. My credit score improved significantly in just a month."
"Excellent customer service. Quick to respond and always available for guidance."
Reviews are from verified clients. Individual results vary. We do not guarantee specific outcomes.
A Message From Isaac Palacios
Hear directly from our founder about how Maximum Fico Score helps families in Bakersfield and across all 50 states take control of their credit.
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Meet Isaac Palacios, Founder & CEOHow Credit Repair Works With Us
Our proven 4-step process is transparent, legal, and built around your rights under federal law. No surprises, no jargon — just a clear path forward.
Credit Report Review
We analyze your reports from Experian, Equifax, and TransUnion to identify every inaccuracy, outdated item, and reporting error across all three bureaus.
Identify What's Hurting You
Collections, charge-offs, late payments, duplicate accounts, and unverifiable items are all flagged. We explain exactly how each one affects your score.
Dispute Under Federal Law
We file formal disputes on your behalf using your rights under the FCRA and FDCPA. Credit bureaus have 30 days to investigate each dispute.
Educate & Rebuild
You receive personalized credit education — utilization targets, payment strategies, and a long-term plan to maintain a healthy credit profile for life.
Credit Solutions for Every Stage of Your Journey
Whether you're preparing to buy a home, recovering from financial hardship, or simply want a cleaner credit profile, we have a plan that fits.
Credit Repair & Disputes
We dispute inaccurate, incomplete, and unverifiable items across all three bureaus on your behalf, using your full rights under the FCRA and FDCPA.
Learn MoreCredit Education & Rebuilding
Personalized coaching on utilization, payment timing, credit-building tools, and long-term strategies so you never need credit repair again.
Learn MoreHomebuyer & Loan Prep
Specialized credit preparation for mortgage approval, auto financing, and refinancing. We work with your timeline and lender requirements.
Learn MoreYour Bakersfield Credit Repair Team
Maximum Fico Score isn't a faceless online company. Our office is right here in Bakersfield at 4646 Wilson Road, Suite 101 — just off the 99 near Wilson Road and Stine Road. Since 2016, we've been part of the Kern County community, helping local families, first-time homebuyers, and working professionals clean up their credit reports and build real financial stability.
Whether you prefer to meet in person or work with us remotely from anywhere in California or across all 50 states, you'll get the same personal attention from our Bakersfield-based team.
- 📍 4646 Wilson Road, Suite 101, Bakersfield, CA 93309
- 📞 Client Support 661-505-8085
- ✉️ contact@maximumficoscore.com
- 🕐 Mon–Fri 9am–7pm • Sat 9am–3pm • Sun 10am–2:30pm
- 🌐 Se habla español • Serving all 50 states
Common Credit Repair Questions
Straight answers to the questions we hear most. If yours isn't here, call us at Client Support 661-505-8085 — we're happy to help.
Ready to Take the First Step?
Your free credit assessment takes just a few minutes. No obligation, no pressure — just an honest look at your credit situation and what's possible.
Client Support 661-505-8085 Get Your Free Credit AssessmentCROA: You may cancel within 3 business days of signing, penalty-free.
Important Disclosures: 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). We do not guarantee the removal of any specific item from your credit report, nor any specific credit score increase. Consumers have the right to dispute inaccurate information directly with the credit reporting agencies free of charge. Results vary based on individual credit profiles. You may cancel services within 3 business days of signing your contract — completely penalty-free. This content is educational only and does not constitute legal or financial advice.
Take the first step toward financial freedom. Schedule your free,
no-obligation credit consultation with our certified experts.
Improve Your Credit Score
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Privacy & Lead Collection Disclosure: By submitting your email address, you consent to receive periodic communications from Maximum FICO Score (maximumficoscore.com), including weekly credit education tips, service updates, and promotional offers. Your information will not be sold or shared with third parties for marketing purposes. You may unsubscribe at any time by clicking the unsubscribe link in any email.
Maximum FICO Score complies with the CAN-SPAM Act (15 U.S.C. § 7701). As required by CROA § 1679c (15 U.S.C. § 1679c): you have the right to dispute inaccurate information on your credit reports directly with Experian, Equifax, and TransUnion at no cost, without using a credit repair organization. Submission of this form does not create a service agreement or obligation to purchase services. Questions? contact@maximumficoscore.com · 661-505-8085.