A Comprehensive Consultative Approach to Credit Repair

What Makes Us Different?

Max Score Credit was founded in 2010 by Timothy Craig. Tim created a program where a consultative approach was foundational to helping customers clean up their credit profiles and improve their credit scores. Though Tim has since passed away, his vision is something we continue to grow and promote daily. His legacy is one that drives us to help as many people as possible.


Our A.C.T. system was designed to bring together not only our superior effectiveness at disputing and removing negative items from the credit report, but also counseling, coaching, and training. This makes a strong impact on the behavior of consumers and how they approach and manage their finances and credit.

The value proposition that we offer at Max Score Credit far exceeds other credit repair programs in our view. That is because:

  1. When we dispute negative items, we do so by correspondence only. This method is far more effective and faster at removing negative items from the credit report than doing it online.
  2. Our goal is to positively impact all five categories of the FICO Scoring Model. This means we have to do much more than just reduce the number of negative items on the credit report, which only impacts 35% of the credit score. We also have to help add and/or manage open accounts. This requires direct conversation and consultation with every client, and training to impact current and future actions and behaviors.
  3. Our clients meet with a Credit Advisor, who is an expert in credit reports and credit scoring. These meetings happen every month, for 30 to 60 minutes of one-on-one consultation. We perform a forensic review of the credit report identifying strengths and weaknesses; we implement credit restoration strategies to help add open accounts to the credit profile; and we give advice and “coaching” on the correct management of open accounts to positively impact the FICO Scoring Model.
  4. Training is a major part of our program. Our credit advisors are most excited about this part because our clients are so demonstrably happy to learn critical information that allows them to “take control” of their credit, and learn important information that helps them understand how their actions impact credit score success and failure. Our goal is that through our program our clients are able to benefit from a strong credit score the rest of their lives.

We have created a process to foster a personal consultative approach with each client of our program, regardless of where they are located. By using online meeting technology (which can include HD Video Conferencing), we provide a one-on-one experience for clients within the comforts of their own location. It is this personal, consultative approach that our clients truly enjoy and appreciate.

This direct approach creates the real difference between Max Score Credit in Towson, Maryland and other credit repair companies.

Our Services