Restoring Credit. Rebuilding Lives.
Credit Repair & Credit Education in Bakersfield, CA
Working toward a home loan, an auto loan, or business financing? We review your credit reports, help challenge information that appears inaccurate, incomplete, or unverifiable, and teach habits that last — for life.
Maximum Score Builders — formerly Maximum FICO Score — is based on Wilson Road in Bakersfield, California, and has operated since 2016. Serving clients in multiple states where services are legally available. Your assessment and first consultation are free, with no obligation.
Prefer to talk first? Client Support: 661-505-8085
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.
What Are You Working Toward?
Your credit strategy should fit your goal. Tell us what you're aiming for and we'll tailor your free, no-obligation assessment to it.
Not sure yet?
How Maximum Score Builders Helps
Credit reports often contain mistakes — accounts that aren't yours, balances reported incorrectly, or items that can't be verified. Here's how we help, consistent with the FCRA and FDCPA. If you are weighing a consolidation loan against repairing your reports first, start with our guide to debt consolidation in Bakersfield.
- Review all three of your reports (Experian, Equifax, TransUnion)
- Identify information that appears inaccurate, incomplete, or unverifiable
- Dispute those items on your behalf under federal law
- Teach you how to build and protect your credit going forward
We can't remove information that is accurate and verifiable, and we'll tell you that honestly up front. What we can do is make sure every item on your report is being reported fairly. Results vary by individual credit profile.
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.
Explore Our ServicesCredit Education & Rebuilding
Personalized coaching on utilization, payment timing, credit-building tools, and long-term strategies so you can maintain healthy credit on your own.
Learn About Credit EducationHomebuyer & Loan Prep
Specialized credit preparation for mortgage approval, auto financing, and refinancing. We work with your timeline and lender requirements.
Learn About Loan PrepWhat's Free, and What's Paid
We believe you should know exactly what you're getting before you decide anything. Here's the simple breakdown.
Assessment & Consultation
Your credit assessment and your initial consultation are free. This is how we review your situation, answer your questions, and explain your options — before any commitment.
Ongoing Credit Repair
If you choose to move forward, ongoing credit repair is a separate, paid service: a flat monthly rate with no hidden fees and no long-term contracts. You'll always know what's free and what's paid.
Simple, Honest Credit Repair Pricing
Every plan includes ongoing dispute assistance, monthly progress reports, and 24/7 client-portal access. You'll always know exactly what's free and what's paid — before you commit to anything.
Emerald
A strong, straightforward start on cleaning up your credit reports.
- Three-Bureau Credit Analysis
- Personal Information Corrections
- Inquiry Dispute Challenges
- Opt-Out & Freeze Action Plan
- Creditor Intervention Letters
- Ongoing Dispute Assistance
- Monthly Progress Reports
- 24/7 Client Portal Access
Maximum Impact
Our recommended plan — full monitoring and faster feedback for serious goals like buying a home.
- Everything in Emerald, plus:
- Maximum Credit Report Analysis
- 30-Day Credit Score Updates
- Identity-Protecting Monitoring
- Debt Validation & C&D Letters
- Additional Strategy Sessions
- MaximumEmpower Strategy Support
90-Day Refund Policy
If no items are removed within 90 days of starting service and the written policy terms are met, you may qualify for a refund of eligible fees. It's a refund policy — not a promise that specific items will be removed.
Transparent pricing, per the law. All fees are shown upfront. The one-time "first-work fee" covers your initial setup and three-bureau audit and is charged only after that first work is performed — never as an illegal advance fee. Ongoing service is month-to-month with no long-term contract, and you may cancel anytime.
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.
What Our Clients Say
Read what clients say about working with us on Google. Individual results vary by credit profile.
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.
The People Behind Your Credit Repair
Our founder's philosophy is simple: honest work, real education, and respect for your rights under federal law.
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 brings more than 20 years of industry experience. He founded Maximum Productions, LLC in 2016, doing business today as Maximum Score Builders.
A Bakersfield-Based Team You Can Work With
Maximum Score Builders is a Bakersfield-based credit services and credit education company with an office at 4646 Wilson Road, Suite 101, near Wilson Road and Stine Road. Since 2016, we've helped consumers review their credit reports, understand their rights, and build stronger credit habits. For detailed local service information, visit our credit repair in Bakersfield, CA page or our Kern County credit repair guide.
Whether you prefer to meet in person or work with us remotely, services are available in multiple states where services are legally available, with the same personal attention from our Bakersfield-based team.
- 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.
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 661-505-8085CROA: 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.