Ownership & Funding Disclosure
Full transparency on who owns Maximum Score Builders, how we operate, and how this site is funded — Bakersfield, CA.
Ownership & Funding Disclosure
Last updated:
Trust starts with knowing who you're dealing with. This page discloses the full ownership structure of Maximum Score Builders, how we are funded, and how we make money — so you can evaluate our credit education content and services with complete transparency. We believe consumers deserve to know exactly who is behind any credit repair company they engage with.
Legal Entity and Ownership Structure
Maximum Score Builders is a privately held credit repair and credit education company operating out of Bakersfield, California. The company was founded in 2016 and has served clients in all 50 states since its inception. We are not a publicly traded company. We have no parent company, no holding entity, no franchise relationship, and no outside ownership stake in our business.
The company operates from a single physical office:
Bakersfield, CA 93309
Client Support: (661) 505-8085
support@maximumscorebuilders.com
Founder and Leadership
Maximum Score Builders was founded by Isaac Palacios, who serves as the company's owner, CEO, and lead credit consultant. Isaac founded the company in 2016 with a single mission: to provide consumers with honest, ethical, and federally compliant credit repair services rooted in the consumer's rights under the Fair Credit Reporting Act (FCRA).
Isaac has personally reviewed more than 5,000 consumer credit files over the course of his career and oversees all editorial content published on this website. He is responsible for the company's day-to-day operations, compliance with the Credit Repair Organizations Act (CROA), and the standards of service applied to every client engagement.
There is no separate executive team, no board of directors, and no advisory council with editorial or operational influence over the business.
How We Make Money
Maximum Score Builders generates revenue from two clearly disclosed sources:
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Service fees paid by clients
Our primary revenue source. Clients pay for credit repair and credit education services under the plan they select, with all pricing disclosed in writing before any contract is signed. Under the Credit Repair Organizations Act, you may cancel within three business days of signing without charge. Current plans and fees are listed on our Pricing page.
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Disclosed affiliate relationships
When we point to a third-party product or service that supports credit building — a secured credit card, a credit-builder loan, or a rent-reporting platform, for example — we may receive a small commission if you sign up through our link, at no additional cost to you. We label these relationships in the surrounding text wherever such a link appears. A commission never changes what we recommend, and there is no obligation to use any partner.
What we do not do
- We do not sell client data.
- We do not run paid advertising for third-party financial products.
- We do not accept payment for editorial coverage, positive reviews, or content placement.
Funding and Investors
Maximum Score Builders is self-funded through revenue generated by client services since the company's founding in 2016. We have not raised outside capital, taken on private equity investment, or received venture capital funding. We have no institutional investors and no individual investors outside of the founder.
We have not received grants from any government agency, nonprofit foundation, or industry association. We are not affiliated with, owned by, or funded by any credit bureau, lender, debt collector, or consumer reporting agency.
Business Independence
Because Maximum Score Builders is independently owned and funded entirely by client revenue, no third party has the authority to direct, edit, or influence:
- What we publish on our website or in client communications
- Which clients we accept or decline
- How we conduct disputes under the FCRA
- Our pricing structure or service offerings
- Our recommendations on credit-building tools and tradelines
This independence is a core part of how we serve consumers ethically. We answer only to our clients and to the federal laws that govern our industry.
Compliance and Ratings
Maximum Score Builders holds an A+ rating from the Better Business Bureau and follows the consumer protections in:
Changes in Ownership or Funding
If our ownership structure, funding sources, or affiliate relationships materially change at any point in the future, we will update this page promptly and note the date of the change at the top. Any sale, merger, acquisition, or change of control of Maximum Score Builders will be disclosed here as well.
Questions About Our Business
If you have questions about our ownership, funding, or business practices that are not addressed on this page, reach out directly.
Maximum Score Builders
Attn: Isaac Palacios, Owner
4646 Wilson Road, Suite 101
Bakersfield, CA 93309
Client Support: (661) 505-8085
support@maximumscorebuilders.com
Maximum Score Builders is a credit repair organization following the consumer protections in the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692, and the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j. We do not guarantee specific score increases or item deletions and cannot remove accurate, verifiable information. You have the right to dispute inaccurate information on your own credit reports for free, and to a free copy of your report from each bureau annually via AnnualCreditReport.com. You may cancel any credit repair service contract within three (3) business days without charge. This Ownership & Funding Disclosure is reviewed and updated as needed, with mandatory annual review. Last update: May 11, 2026. See our Editorial Policy, Ethics Policy, and Corrections Policy.