Credit Repair Plans & Pricing
Compare Maximum Score Builders monthly service plans, first-work fees, included services, cancellation information, and refund-policy terms before deciding whether a plan is right for you.
How much does Maximum Score Builders cost?
Maximum Score Builders currently displays two monthly credit-repair service plans on this page. The Emerald Plan is $94.99 per month plus a $195 first-work fee, and the Maximum Impact Plan is $109.99 per month plus a $265 first-work fee. The first-work fee is described as being billed only after the initial covered work has been performed rather than as an advance fee. Review your written agreement for the exact billing terms that apply to your enrollment.
Compare Monthly Credit Repair Plans
Choose the service level that best matches your needs. Plan availability may vary by location and individual eligibility.
Emerald Plan
Core credit report review, legitimate dispute assistance, progress tracking, and client-portal access.
- Three-bureau credit report analysis
- Personal-information review and correction assistance
- Legitimate inquiry dispute assistance where appropriate
- Opt-out and freeze guidance
- Creditor or furnisher correspondence assistance where appropriate
- Ongoing dispute assistance based on legitimate reporting concerns
- Monthly progress review
- 24/7 client portal access
- Credit education and credit-building guidance
Maximum Impact Plan
Expanded credit-review and strategy support for consumers who want a higher level of ongoing assistance.
- Everything in Emerald, plus:
- Expanded credit report analysis
- Additional progress and strategy reviews
- Debt-collection documentation and consumer-rights education
- Additional correspondence assistance where appropriate
- Enhanced credit-building strategy support
- Preparation guidance for major financial goals
Monthly Fee vs. First-Work Fee
The monthly service fee and first-work fee are separate charges. Your written service agreement controls when charges become due and what services they correspond to.
Monthly Service Fee
Covers applicable ongoing services under the selected plan, including continued review, dispute assistance, education, progress tracking, and client support.
First-Work Fee
The first-work fee corresponds to applicable initial services identified in the written agreement and is not represented on this page as an advance payment for future work.
Cancellation
The plans shown here are monthly services and do not carry a separate cancellation fee. Applicable statutory cancellation rights and contract terms are explained in the written agreement and Notice of Cancellation.
Emerald vs. Maximum Impact
Use this comparison as a general overview. Your written agreement is the controlling description of the services included in your plan.
| Service | Emerald | Maximum Impact |
|---|---|---|
| 3-Bureau Credit Analysis | ✓ | ✓ |
| Personal Information Review | ✓ | ✓ |
| Legitimate Dispute Assistance | ✓ | ✓ |
| Monthly Progress Review | ✓ | ✓ |
| Client Portal | ✓ | ✓ |
| Credit Education | ✓ | ✓ |
| Expanded Credit Analysis | — | ✓ |
| Additional Strategy Support | — | ✓ |
| Financial-Goal Preparation Guidance | — | ✓ |
Understand the Terms Before You Enroll
We want pricing, cancellation rights, refund-policy terms, and service limitations to be clear before a consumer begins.
No Advance Fees
Charges are subject to the written agreement and applicable law. Maximum Score Builders does not represent the listed charges as advance payment for future credit-repair work.
Cancellation Rights
Applicable federal and state cancellation rights may apply. Your written agreement and Notice of Cancellation explain the rights applicable to your enrollment.
90-Day Refund Policy
Refund eligibility depends on the conditions contained in the current written refund policy. The policy is not a guarantee of a deletion, score increase, or other credit outcome.
Credit Repair Pricing — FAQ
Not Sure Which Plan Fits Your Situation?
Start with a free credit assessment. Tell us about your goals, review important information, and learn the appropriate next step before choosing a monthly service plan.
Maximum Score Builders provides credit repair and credit education services. Pricing and services are governed by the applicable written service agreement. We do not guarantee removal of any specific item, a particular credit-score increase, financing approval, interest rate, loan term, or completion timeline. Results vary by individual credit profile.
Consumers may dispute inaccurate information directly with Experian, Equifax, and TransUnion without hiring a credit repair organization. Applicable federal and state consumer protections may include disclosure, contract, cancellation, and payment requirements. Third-party credit-report or monitoring services are governed by the applicable provider's own terms. See our Refund Policy and Refund & Cancellation Policy .
Trusted. Transparent. Client-First.
Clear protections and trusted partners—so you feel confident moving forward.
90-Day Refund Policy
If we don't remove any negatives in 90 days, you get your money back.
CROA Disclosure: As required by law, we cannot guarantee specific results or score increases. Education only. Results vary by credit profile, reporting accuracy, and creditor responses. Cancellation rights vary by applicable law: federal CROA provides a three-business-day cancellation right, and California consumers generally have a five-working-day cancellation period under applicable California law.
ID Theft Insurance & Monitoring
Powered by IdentityIQ. $1M Identity Theft Insurance included.
Coverage and terms depend on the provider's program details. You are entitled to one free credit report per year from each bureau at AnnualCreditReport.com under the FCRA.
No Advance Fees
Trusted local Bakersfield service with a proven track record since 2016.
Maximum Score Builders follows the consumer protections in the FCRA and FDCPA.
Important Legal Disclosures: Maximum Score Builders is a credit repair organization following the consumer protections in the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We do not guarantee the removal of any specific item from your credit report, any specific credit score increase, or any loan approval. You have the right to dispute inaccurate information directly with Experian, Equifax, and TransUnion at no cost. Cancellation rights vary by applicable law: federal CROA provides a three-business-day cancellation right, and California consumers generally have a five-working-day cancellation period under applicable California law. This content is for educational purposes only and does not constitute legal or financial advice.
Real Results
Client-Reported Outcomes After Working With Us on Credit Education, FICO® Factors, and Debt Strategy
Real Benefits. Real Client Experiences.
Our approach focuses specifically on credit report accuracy, education, and actionable steps. However, it is important to note that results vary by person and credit file.
Your Score Has the Power to Change Everything
A stronger credit profile can unlock better loan terms, lower interest rates, and more financial opportunities. Our team works with you to dispute inaccuracies, build positive credit habits, and put you on the path to a healthier credit score.
Better Options & Potentially Lower Costs
As a result of improving your credit profile, you may qualify for better loan terms — depending on the lender and your full financial picture.
Utilization Strategy You Can Follow
In addition, you will learn practical utilization targets and payment habits that support healthier credit scoring signals over time.
Focus on Report Accuracy
Moreover, our team helps you dispute items that may be inaccurate or unverifiable, using a documented process under your FCRA rights.
Step-by-Step Guidance
Finally, you receive clear next steps so you can make consistent progress — without confusion or guesswork along the way.
This content is for educational purposes only and does not constitute legal advice. Additionally, we do not guarantee deletions, score increases, or approvals of any kind. Under the FCRA, you have the right to dispute inaccurate information directly with the credit bureaus at no charge.
Common Questions
Expert Answers to Credit Repair & FICO Building FAQs
Educational information only. We do not guarantee deletions, score increases, or approvals. Results vary by credit file, reporting accuracy, and time. Under the FCRA, you have the right to dispute inaccurate information directly with the credit bureaus at no charge. Under the CROA, cancellation rights vary by applicable law: federal CROA provides a three-business-day cancellation right, and California consumers generally have a five-working-day cancellation period under applicable California law.
What is credit repair (and what it isn't)?
Credit repair is the process of reviewing your credit reports and disputing information that may be inaccurate, incomplete, or unverifiable.
- It is: an accuracy-focused dispute and documentation process
- It isn't: a promise to remove accurate negative items or erase valid debt
- It isn't: identity fraud or creating false documents — we do not do that
FCRA Right: You may dispute any item you believe is inaccurate, incomplete, or unverifiable — directly with Experian, Equifax, and TransUnion at no cost.
How long does it take?
Timelines vary. Many people see changes in 30–90 days, while more complex files can take longer.
- Your reporting history, number of accounts, and dispute complexity matter
- Credit bureaus and furnishers have their own response timelines
- Building positive history — payments, utilization — often takes time
FCRA: Credit bureaus are legally required to investigate disputes within 30 days (or 45 days in certain circumstances) of receiving them.
What documents do I need?
To start, you typically need basic identification and your credit report access.
- Government-issued photo ID
- Proof of address — utility bill, bank statement, or lease
- Your credit reports or a 3-bureau report
- Supporting paperwork for specific items, if available
Free Reports: You are entitled to free credit reports from all three bureaus at AnnualCreditReport.com under the FCRA.
What results can I realistically expect?
Realistic expectations depend on whether items are reporting accurately and how your overall profile is managed.
- Possible outcomes: corrections to inaccurate reporting, updated statuses, or removal of unverifiable items
- Not guaranteed: deletions of accurate negatives, specific score increases, or loan approvals
- Best approach: disputes plus rebuilding — utilization targets, on-time payments, fewer new inquiries
CROA Disclosure: As required by law, no credit repair company may guarantee specific results or promise to remove accurate information from your credit report.
Why does your credit report matter so much?
Your credit report affects more than just a score. It can influence approval decisions and pricing across many areas of life.
- Auto loans and refinancing terms
- Home loan approvals and interest rates
- Credit card limits and offers
- Insurance pricing in some states
- Rental housing and some employment decisions
Your Rights: Under the FCRA, you have the right to know what is in your file, to dispute inaccuracies, and to be notified if your report has been used against you.
What should I do right now?
If you want the fastest clarity, start with your reports and a plan.
- Get a current 3-bureau report so we are looking at the same data
- Complete your free assessment so we can review your situation
- Follow a simple rebuild plan: utilization targets, on-time payments, smart application timing
No Obligation: Your free assessment is informational only. You are not required to purchase any service. We will give you an honest review regardless.
CROA: Cancellation rights vary by applicable law — federal CROA provides a three-business-day cancellation right, and California consumers generally have a five-working-day cancellation period under applicable California law. Maximum Score Builders complies with the FCRA and FDCPA. Not legal advice. Results vary.
Full Legal Disclosure: Maximum Score Builders is a credit repair organization following the consumer protections in the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We do not guarantee removal of any specific credit report item, any specific score increase, or any loan approval. You have the right to dispute inaccurate information directly with Experian, Equifax, and TransUnion at no cost. Services may be cancelled within 3 business days of contract execution. This content is educational only and does not constitute legal or financial advice.
Not Sure Which Plan Is
Right for You?
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