Build Credit. Prepare for More.
Credit Repair Services & Debt Help in Bakersfield, CA
Understand your credit reports, address inaccurate information, and build healthier credit habits with personalized guidance.
Free first consultation, no obligation. Local team on Wilson Road in Bakersfield since 2016, serving clients in multiple states where services are legally available.
- 3,000+ clients served since 2016
- 170+ Google reviews · 5.0 ★
- BBB Accredited · A+
- Hablamos Español
- Más de 3,000 clientes atendidos desde 2016
- Más de 170 reseñas en Google · 5.0 ★
- Acreditados por el BBB · A+
- We speak English
CROA Disclosure: We cannot guarantee specific results, item removals, or score increases, and we cannot remove accurate, verifiable information. Results vary by individual credit profile.
Registration does not mean the State of California approves or endorses our services. See full disclosure.
What Are You Working Toward?
Tell us your goal and we'll tailor your free consultation to it.
Not sure yet?
What Our Clients Say
Read what clients say about working with us on Google. Individual results vary by credit profile.
“Issac is the bomb!!! He truly cares about your credit and he takes the time out to show you and break down the important parts of your credit. 10 out of 10 and I'm definitely referring to others to get their credit right”
“Overall, they're very patient and very helpful. They've been helping me and my husband out with our credit. They explained everything and I like how they help me understand what's going on with my credit and how I can help it go up while they work on it. Thank you. Guys. You guys are doing a great job.”
“After finding out, my credit was stolen Issac helped me dispute the incorrect information on my record and help me protect myself from future fraud and get my credit back on track. Highly recommend”
Google reviews reflect individual customer experiences. Individual credit results vary by profile, and we do not guarantee specific outcomes.
How Credit Repair Works With Us
Our 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We analyze your reports from Experian, Equifax, and TransUnion to identify inaccuracies, outdated items, and reporting errors across all three bureaus.
Identify What's Hurting You
Collections, charge-offs, late payments, duplicate accounts, and unverifiable items are flagged. We explain 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 generally 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.
Simple, Honest Credit Repair Pricing
Emerald
A strong, straightforward start on cleaning up your credit reports.
What’s includedQué incluye
- Credit Report ReviewRevisión de reportes de crédito
- Personal Information CorrectionsCorrección de información personal
- Inquiry Review & Creditor CommunicationsRevisión de consultas y comunicación con acreedores
- Opt-Out & Security-Freeze EducationEducación sobre exclusión (opt-out) y congelamiento
- Disputes on Items You AuthorizeDisputas de los elementos que usted autorice
- A Copy of Every Letter SentCopia de cada carta enviada
- Itemized Statement of Completed WorkEstado detallado del trabajo completado
- Client Portal AccessAcceso al portal de clientes
Maximum Impact
Our most complete plan — expanded analysis, monthly progress reports, and extra strategy help for big goals like buying a home.Nuestro plan más completo: análisis ampliado, informes mensuales de progreso y más apoyo estratégico para metas grandes como comprar casa.
What’s includedQué incluye
- Everything in Emerald, plus:
- Expanded 3-Bureau Report AnalysisAnálisis ampliado de los 3 reportes
- Monthly Progress ReportsInformes mensuales de progreso
- Disputes With No Preset Item LimitDisputas sin límite preestablecido de elementos
- Debt Validation & Cease-and-Desist LettersCartas de validación de deuda y de cese y desistimiento
- Additional Strategy SessionsSesiones adicionales de estrategia
- Score & Report Updates About Every 30 Days*Actualizaciones de puntaje y reporte cada ~30 días*
- Identity-Protection Monitoring Through Your Provider*Monitoreo de protección de identidad a través de su proveedor*
90-Day Refund Policy
If, during the first 90 days after services begin, none of the items we address is deleted, corrected, or otherwise favorably changed and no monitored score increases, you may request a refund of the company fees you paid — when the written policy conditions are met. It’s a conditional refund policy, not a guarantee of results.Si durante los primeros 90 días después de iniciar los servicios ninguno de los elementos que trabajamos se elimina, corrige o cambia favorablemente y ningún puntaje monitoreado aumenta, usted puede solicitar el reembolso de los honorarios pagados a la compañía, si cumple las condiciones escritas de la política. Es una política de reembolso condicional, no una garantía de resultados.
Credit monitoring is not included. While you receive paid services, you need an active three-bureau credit report and monitoring service. You can use one you already have or choose any provider, and you pay that provider directly. You do not need monitoring to book your free consultation.El monitoreo de crédito no está incluido. Mientras recibe servicios pagados, necesita un servicio activo de reportes y monitoreo de las tres agencias. Puede usar uno que ya tenga o elegir cualquier proveedor, y le paga directamente. No necesita monitoreo para agendar su consulta gratuita.
Month-to-month. No long-term contract, and every charge comes with an itemized statement of the work done.De mes a mes. Sin contrato a largo plazo, y cada cargo incluye un estado detallado del trabajo realizado.
Your CROA rights: As required by the Credit Repair Organizations Act, we cannot guarantee any specific item removal, score increase, or loan approval, and we cannot remove information that is accurate and verifiable. You have the right to dispute inaccurate information directly with Experian, Equifax, and TransUnion at no cost. Cancellation rights vary by applicable law: you may cancel before midnight of the fifth working day after signing, or within three business days, whichever is longer. Your written agreement and Notice of Cancellation state the rights that apply to your enrollment. We follow the consumer protections in the FCRA, FDCPA, and CROA. Results vary by individual credit profile.
Meet Your Bakersfield Team
We don't sell empty promises. We review your reports honestly, dispute what's inaccurate under federal law, and teach you how to keep your credit strong for life. That's the only way we know how to do this — with integrity.
Isaac Palacios has more than 20 years of professional experience across real estate, home lending, and credit repair/credit education. He founded Maximum Productions, LLC in 2016, doing business today as Maximum Score Builders.
Visit Our Wilson Road Office
Our office is at 4646 Wilson Road, Suite 101, near Wilson Road and Stine Road. For local details, see credit repair in Bakersfield, CA or our Kern County guide.
We also help clients in Fresno, Visalia, Hanford, Delano, and Los Angeles. Planning to finance a car? Read credit help before you buy a car.
- 4646 Wilson Road, Suite 101, Bakersfield, CA 93309
- Client Support 661-505-8085
- Support@maximumscorebuilders.com
- Mon–Fri 9am–7pm • Sat 10am–3pm • Sun 10am–3pm
- Se habla español • Serving multiple states
Bakersfield, CA 93309
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.
Consumer Protection & Trusted Resources
Informed consumers make better financial decisions. These official resources explain your credit rights, give you free access to your credit reports, and help you protect your personal information.
These links open in a new tab and are provided for educational purposes. Maximum Score Builders is an independent company and is not affiliated with or endorsed by the government agencies listed above. You can always dispute credit report errors directly with the credit bureaus for free.
Ready to Take the First Step?
Your free consultation takes just a few minutes. No obligation, no pressure — just an honest look at your credit situation and what's possible.
Client Support 661-505-8085CROA: Cancellation rights vary by applicable law — you may cancel before midnight of the fifth working day after signing, or within three business days, whichever is longer. Results vary by individual credit profile.
Important Disclosures: Maximum Score Builders is a credit services organization following the consumer protections in 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, any loan approval, or any specific credit score increase. We cannot remove accurate, verifiable information. Consumers have the right to dispute inaccurate information directly with the credit reporting agencies free of charge. Results vary based on individual credit profiles. Cancellation rights vary by applicable law: you may cancel before midnight of the fifth working day after signing, or within three business days, whichever is longer. Your written agreement and Notice of Cancellation state the rights that apply to your enrollment. This content is educational only and does not constitute legal or financial advice.
Registered & Bonded in California
Maximum Score Builders is registered as a Credit Services Organization with the California Department of Justice under the Credit Services Act of 1984 (Civil Code §1789.25), effective September 18, 2026, and maintains the surety bond the law requires. Registration does not mean the State approves, recommends, or endorses any company. You can verify our registration on the California DOJ public list. A copy of our certificate of registration is available on request.