About Maximum Score Builders — Credit Repair & Education in Bakersfield, CA
Since 2016, we've helped people in multiple states where services are legally available understand their credit, dispute items that appear inaccurate or unverifiable under federal law, and build healthier financial habits — with no upfront fees. Maximum Score Builders is the new name of Maximum FICO Score — same company, same team, same Bakersfield office. We are a BBB Accredited Business, accredited by the Better Business Bureau in September 2026. Results vary by individual credit profile.
Prefer to talk first? Client Support: 661-505-8085
No Advance Fees
Required by Federal CROA
90-Day Refund Policy
Eligibility Conditions Apply
FCRA consumer protections
Your Dispute Rights Under Federal Law
Multiple States
Remote Services Where Offered
Bilingual Support
English & Spanish
Read our feature story on integrity, ethics, and consumer advocacy in credit repair. — California Business Journal
Isaac & Lourdes Palacios
Empower Your Financial Future
In 2016, Isaac Palacios founded Maximum Score Builders with one goal: to help people in Bakersfield and beyond understand and work on their credit. What started as a small local operation has grown into a trusted team serving clients in multiple states where services are legally available — guided by transparency, education, and respect for your rights under federal law.
We don't just file disputes — we teach. Our team reviews your reports, challenges items that appear inaccurate, incomplete, or unverifiable, and helps you build lasting financial habits. We can't remove information that is accurate and verifiable, and we'll always tell you that honestly up front.
Explore our credit education resources and see how our credit repair services work.
What We Help With
Credit Analysis
A clear review of your three-bureau credit reports with personalized, plain-English recommendations.
Homebuyer Prep
Credit preparation that works with your mortgage timeline and lender requirements.
FCRA Disputes
We dispute items that appear inaccurate, incomplete, or unverifiable with the bureaus and creditors.
Financial Education
Learn the habits that build credit, manage debt, and support long-term financial stability.
Why Clients Choose Maximum Score Builders
Experience You Can Trust
Serving Bakersfield and multiple states where services are legally available since 2016, with 170+ Google reviews.
Transparent Pricing
No upfront fees and no hidden costs. You'll know exactly what's free and what's paid before you commit.
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.
Knowledgeable Team
Credit specialists and educators who understand federal credit law and how the bureaus work.
Consumer Protections
We operate under the FCRA and FDCPA. Legal, ethical service is non-negotiable.
Bilingual Support
Available in English and Spanish, serving every community with clear communication.
Leadership Rooted in Integrity
Isaac Palacios
Isaac Palacios is a credit repair specialist and financial education advocate with more than 20 years of professional experience across real estate, home lending, and credit repair/credit education. In 2016 he founded Maximum Score Builders with a simple mission: help people understand their credit and take control of their financial future. His work and philosophy were profiled in the California Business Journal.
The People Behind Your Progress
Lourdes A. Palacios
Lourdes brings years of organizational expertise and customer care to our team, making sure every client receives prompt, professional support.
Henry H. Quinteros
Henry helps clients navigate their credit journey with patience and expertise. His knowledge and friendly approach make him a trusted resource.
What Our Clients Say
Reviews published on our Google Business Profile, quoted as written. 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"
Reviews above are quoted from our public Google Business Profile. Individual results vary by credit profile. We do not guarantee specific outcomes.
Our Core Values
Integrity
Honesty, transparency, and ethical practices. No shortcuts, no hidden fees, no false promises.
Education
Knowledge is power. We teach our clients about credit, credit scores, and habits that matter.
Compliance
We strictly follow the FCRA and FDCPA. Legal, ethical service is non-negotiable.
Your Rights, Protected by Federal Law
FCRA
We follow the Fair Credit Reporting Act, which protects your right to dispute inaccurate or unverifiable information.
FDCPA
Our process follows the Fair Debt Collection Practices Act standards of professional, ethical conduct.
CROA
We adhere to the Credit Repair Organizations Act: written contracts, no advance fees, and your cancellation rights.
Your Credit Improvement Starts Today
Take the first step with a free, no-obligation assessment of your credit reports. Your assessment and initial consultation are free — ongoing credit repair is a separate, paid service with no upfront fees.
Client Support 661-505-8085Maximum Score Builders is an independent credit repair organization and is not affiliated with any credit bureau (Equifax, Experian, TransUnion), the FTC, or any government agency. We do not guarantee the removal of any specific item, any loan approval, or any specific credit score increase, and we cannot remove accurate, verifiable information. Results vary by individual credit profile. Consumers may dispute inaccurate information with the credit bureaus directly at no cost. We follow the consumer protections in the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). Our written 90-Day Refund Policy may apply when no items are removed within 90 days of enrollment and the policy's eligibility terms are met. For questions about your rights, see the FTC at ftc.gov or call 1-877-FTC-HELP. Based in Bakersfield, California. Serving clients in multiple states where services are legally available.
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.