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          "name": "Is credit repair legal in California?",
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            "text": "Most clients begin to see results within 3045 days from the first round of disputes. Simple cases can often be resolved in 36 months. Complex profiles with multiple collections, charge-offs, or late payments typically take 612 months of consistent work. Results vary by individual credit profile."
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          "name": "What does the FCRA allow me to dispute?",
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            "text": "The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable. This includes accounts that are not yours, incorrect balances, wrong payment status, re-aged accounts, accounts past the 7-year reporting window, and duplicate entries. The FCRA does not allow removal of accurate, verifiable information."
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        {
          "@type": "Question",
          "name": "What is the difference between a FICO Score and a VantageScore?",
          "acceptedAnswer": {
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            "text": "FICO and VantageScore are two separate credit scoring models that use the same data but produce different scores  often 2050 points apart. FICO is used in over 90% of U.S. lending decisions including mortgage approvals. VantageScore is what most free apps like Credit Karma display. For mortgage applications, lenders use FICO models 2, 4, and 5."
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          "name": "Can you guarantee my credit score will increase?",
          "acceptedAnswer": {
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            "text": "No. Under the Credit Repair Organizations Act (CROA), no credit repair company can legally guarantee a specific score increase or specific item removals. Maximum FICO Score backs its work with a 90-day money-back guarantee  if no items are removed within 90 days, you receive a full refund. Results vary by individual credit profile."
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          "name": "Do you charge fees before starting credit repair?",
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            "text": "No. Federal law under CROA prohibits credit repair organizations from collecting fees before services are performed. Maximum FICO Score charges no advance fees. Your initial assessment and first consultation are always free."
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          "name": "What is a Section 623 dispute?",
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            "text": "A Section 623 dispute is sent directly to the original creditor or debt collector  not the credit bureau. Under FCRA Section 623, data furnishers must investigate disputes they receive from consumers and correct any inaccurate information. This is often more effective than a standard bureau dispute for stubborn accounts."
          }
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          "name": "How long does a collection stay on my credit report?",
          "acceptedAnswer": {
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            "text": "Most collection accounts can remain on your credit report for seven years from the date of original delinquency under the FCRA. This clock runs regardless of whether the debt is paid or unpaid. Paying a collection does not restart the clock and does not automatically remove the account from your report."
          }
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          "name": "What is a rapid rescore?",
          "acceptedAnswer": {
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            "text": "A rapid rescore is a service available through mortgage lenders that updates your credit score at the bureau level within 35 business days after a verified change  rather than waiting for the standard monthly reporting cycle. It must be initiated by your lender and is useful when you are close to a qualifying score threshold."
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            "text": "Yes. While our office is at 4646 Wilson Road in Bakersfield, CA, we serve clients in all 50 states remotely through our secure client portal. Local Kern County clients are welcome to visit in person. We offer bilingual service in English and Spanish."
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    {"@type":"Question","name":"What is Maximum Fico Score?","acceptedAnswer":{"@type":"Answer","text":"Maximum Fico Score is a CROA-compliant credit repair and financial education company founded in 2016 in Bakersfield, California, by Isaac Palacios. We audit credit reports from all three major bureaus (Equifax, Experian, and TransUnion) and file disputes under the Fair Credit Reporting Act (FCRA) on items that appear inaccurate, unverifiable, or incomplete. With thousands of clients served across all 50 states, a 5.0-star rating from 157 Google reviews, and a BBB A+ rating, we are committed to transparent, ethical credit work. Results vary by individual credit profile."}},
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    {"@type":"Question","name":"How long does the credit repair process take?","acceptedAnswer":{"@type":"Answer","text":"Timelines vary by individual. Some clients see changes within 30 to 90 days, while more complex files may take longer. Credit bureaus are legally required to investigate disputes within 30 days (45 in certain cases) under the FCRA. Maximum Fico Score provides monthly progress reports so you always know where things stand. Results vary by individual credit profile."}},
    {"@type":"Question","name":"What does the 90-day money-back guarantee mean?","acceptedAnswer":{"@type":"Answer","text":"If Maximum Fico Score does not remove any negative items from your credit report within 90 days of starting service, you receive a full refund with no questions asked. This is a refund policy reflecting our confidence in our process, not a promise that specific items will be removed."}},
    {"@type":"Question","name":"Can you guarantee a specific credit score increase?","acceptedAnswer":{"@type":"Answer","text":"No, and under the Credit Repair Organizations Act (CROA), no credit repair company legally can. Anyone who guarantees a specific score increase is violating federal law. What Maximum Fico Score can tell you is that correcting inaccurate reporting often leads to meaningful improvements, and we always give you an honest assessment of your situation upfront during a free consultation. Results vary by individual credit profile."}},
    {"@type":"Question","name":"Do I have to come to the Bakersfield office for credit repair?","acceptedAnswer":{"@type":"Answer","text":"No. While walk-ins are welcome at our office at 4646 Wilson Road, Suite 101, Bakersfield, CA 93309, 100% of our credit repair services can be delivered remotely. Maximum Fico Score serves clients across all 50 states. Your free consultation, document submission, progress tracking, and communication all happen through our secure client portal, phone, and email."}},
    {"@type":"Question","name":"What do I need to get started with credit repair?","acceptedAnswer":{"@type":"Answer","text":"To start credit repair with Maximum Fico Score, you need a government-issued photo ID, proof of address (utility bill, bank statement, or lease), and access to your 3-bureau credit report. You can get a free copy of your reports at AnnualCreditReport.com. If you do not have everything ready, our team will walk you through it during your free consultation."}},
    {"@type":"Question","name":"How much does credit repair cost?","acceptedAnswer":{"@type":"Answer","text":"Your assessment and initial consultation are free. Ongoing credit repair is offered in three transparent plans: the Emerald Plan at $94.99 per month plus a one-time $195 first-work fee, the Maximum Impact Plan at $109.99 per month plus a one-time $265 first-work fee, and the Optimum Plan at $995 one-time for six months of service with no monthly fees. There are no hidden fees and no long-term contracts, and every plan is backed by a 90-day money-back guarantee."}},
    {"@type":"Question","name":"What types of negative items can be disputed on a credit report?","acceptedAnswer":{"@type":"Answer","text":"Under the FCRA, any item on your credit report that is inaccurate, incomplete, or unverifiable can be disputed and potentially removed. This includes collections, charge-offs, late payments, bankruptcies, repossessions, foreclosures, inquiries, and duplicate accounts. Maximum Fico Score cannot remove information that is accurate and verified, but we work to ensure every item on your report is being reported fairly and correctly under federal law."}},
    {"@type":"Question","name":"Do you work with clients outside of California?","acceptedAnswer":{"@type":"Answer","text":"Yes. While the Maximum Fico Score office is located in Bakersfield, California, we serve clients across all 50 states. Federal credit laws like the FCRA, FDCPA, and CROA apply nationwide, and our entire credit repair process can be completed remotely through our secure client portal, phone, and email. You receive the same dedicated, personal service regardless of your location."}}
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