Start My Sprint
Start My 90-Day Sprint See What's Included
REPAIR ✦ REBUILD ✦ GET FUNDED ✦ REPAIR ✦ REBUILD ✦ GET FUNDED ✦
your credit sprint powered by maxx out tax

This isn't just about removing negatives.

Your credit profile has moving parts. The Sprint gives you a structured process for understanding what's happening, addressing questionable reporting where appropriate, rebuilding smarter habits and preparing for your next financial move.

01

Full Credit Review

We begin by looking at your current credit profile, identifying problem areas and understanding what may be keeping your credit from progressing.

02

Dispute Strategy

Potentially inaccurate, outdated or unverifiable information may be identified and addressed through an organized dispute process.

03

Credit Rebuilding Plan

Learn what changes you may need to make with utilization, balances, payment behavior and account management.

04

Score Education

Understand why your credit behaves the way it does instead of treating the score like some mysterious number that changes whenever it feels like it.

05

Funding Readiness

Learn common factors lenders may consider so you can make smarter decisions about when and how to pursue financing.

06

Ongoing Guidance

You're not left trying to interpret every credit update alone. You have a process and clear next moves.

I'm Ready To Get Started
what may be standing in your way

What We Can Remove

When negative items are inaccurate, outdated, incomplete, or unverifiable, they may be eligible to be challenged through the credit repair process. Every credit file is different, so removal is never guaranteed.

✓Hard Inquiries
✓Public Records
✓Medical Bills
✓Charge-Offs
✓Child Support
✓Evictions
✓Repossessions
✓Collections
✓Bankruptcies
✓Late Payments
✓Foreclosures
✦ We challenge eligible reporting — we do not promise deletion of accurate information.
the process

Three moves. One stronger profile.

Credit improvement is bigger than sending a dispute letter. The goal is to clean up what needs attention while building a profile that's stronger going forward.

01
R

Repair

Review the reports. Identify eligible concerns. Address potentially inaccurate or unverifiable reporting.

clean up the foundation
02
B

Rebuild

Improve the behaviors and account management practices that can contribute to a stronger credit profile.

build smarter
03
$

Get Funded

Understand your readiness before pursuing financing so you can make more intentional application decisions.

position your next move
◎
YOUR CREDIT DOESN'T CLOCK OUT

Credit monitoring keeps you in the driver's seat.

Track changes while you're working through your plan, catch unexpected activity, and give us the current data needed to guide your next moves.

Activate Credit Monitoring
90 Day Credit Sprint Strategy
strategy matters

Credit repair without a plan is just busy work.

We aren't interested in making you dependent on a credit repair company forever. You should leave this process understanding your credit better than when you entered it.

✓

Personalized Review

Your credit plan is based on your file.

✓

Clear Next Moves

Know what's being addressed and why.

✓

Better Credit Habits

Build knowledge that extends beyond the Sprint.

✓

Smarter Funding Decisions

Timing matters just as much as the application.

See My Options
you're not doing this alone

Repair your credit. Rebuild with people who get it.

The community gives you a place to learn, ask questions, celebrate progress and stay focused while your credit profile is being strengthened.

✦ Credit education
✦ Progress conversations
✦ Financial literacy
✦ Accountability
✦ Funding education
✦ Community support
Join The Community
90 Day Credit Sprint Community
choose your lane

Pick your lane. Choose how much help you want. Then move.

Do it yourself, let us run the 90-Day Sprint for you, or choose a more intensive credit sweep. Every plan requires active credit monitoring so your reports can be reviewed and tracked throughout the process.

COMING SOON
DIY TRACK

Do It Yourself

Learn the process, stay connected, and get a second set of eyes when you need it.

$ 27 / month
  • ✓ Community access
  • ✓ Credit education + strategy resources
  • ✓ One 15-minute Track Evaluation per month
  • ✓ Track Evaluation available upon request
  • ✓ Progress accountability
✦ Credit monitoring required
Coming Soon
MOST POPULAR
DONE-FOR-YOU TRACK

90-Day Credit Sprint

You focus on your next move. We handle the credit repair process.

$ 97 one-time payment
  • ✓ Done-for-you credit repair
  • ✓ Personalized credit review
  • ✓ Dispute strategy + processing
  • ✓ Credit rebuilding guidance
  • ✓ Funding-readiness education
  • ✓ Community access
✦ Credit monitoring required
Start My 90-Day Sprint
FAST TRACK

Aggressive Credit Sweep

A more intensive approach for clients ready for a higher-touch credit cleanup strategy.

$ 197 one-time payment
  • ✓ Intensive credit review
  • ✓ Higher-touch dispute strategy
  • ✓ Priority file evaluation
  • ✓ Credit rebuilding guidance
  • ✓ Funding-readiness education
  • ✓ Community access
✦ Credit monitoring required
Choose The Sweep
✦ Active credit monitoring is required with every plan so current reporting can be reviewed and changes can be tracked throughout the process.
questions? good.

Know what you're signing up for before you sprint.

Clear expectations first. Then we get to work.

Credit improvement is not one-size-fits-all. Some people begin seeing changes or results in as little as 7 days, while other credit profiles may need longer than three months depending on what's being reported, creditor and bureau responses, and what rebuilding work is needed. The 90-Day Sprint gives us a focused window to work the strategy, but your individual timeline depends on your actual credit profile.
Not necessarily, and that's not the only measure of progress. Some items may move quickly while others require additional rounds, documentation or time. Our focus is improving the overall health of your profile while addressing information that may be inaccurate, outdated or unverifiable when appropriate.
No. Final funding decisions always belong to the lender, and we won't pretend otherwise. What we do is work toward building you a more funding-ready credit profile, teach you what lenders commonly evaluate, and help you become more strategic about when you apply. That can put you in a stronger position and improve your chances compared with applying blindly.
Yes. Active credit monitoring is required for every plan because we need current report information to review your profile, monitor changes and make informed recommendations throughout the process.
DIY members may request one 15-minute Track Evaluation per month. It's your opportunity to have us review your progress, help you understand what you're seeing, and point you toward the next move without turning the DIY option into a done-for-you service.
You'll complete onboarding, activate your required credit monitoring, receive access to the community and resources available with your plan, and then begin the appropriate credit review or strategy. You'll know what phase you're in instead of wondering what happened after you paid.
ready when you are

Your credit doesn't need another pep talk. It needs a game plan.

Choose your lane, activate your monitoring, and start making smarter moves with your credit.

See The Plans Contact Us
For everybody tired of hearing “not approved”

Denied again? Let’s change the play.

That “unfortunately, you weren’t approved” needs to stop being the end of your story. We review your file, run the right plays, and keep you in the loop while you build a profile ready for bigger moves.

Start My Sprint →See How It Works
Your file. Your playbook.We do the legworkPowered by Maxx Out Tax Services
Ugo, founder of 90-Day Credit SprintUgonna Agbo · Your Credit Strategist
Sound familiar?

Tired of hearing “no” before you even make your move?

The score is one thing. What it keeps you from doing? That’s the part that stings.

The dealership says yes, then hits you with a rate that makes the car feel twice as expensive.
The apartment you pictured yourself in goes to somebody else.
A collection you barely recognize keeps showing up like it pays rent.
You don't even want to apply, because you're tired of that denial feeling.

And if you paid somebody to “work on your credit” just to get three letters and radio silence, I hear you. We don’t hand you a generic playbook and disappear at the first turn.

Coach Ugo
Meet your strategist

Meet the woman calling the plays.

I’m Ugonna Agbo, the woman behind Maxx Out Tax Services. I built the 90-Day Credit Sprint because too many people have a plan for their money but no plan for the credit standing between them and their next move.

We look at the whole file: what needs to be challenged, what needs to be built, and what needs to happen before you apply again. Then we get to work and tell you where things stand. No chasing us down for a status update.

I want you to walk out knowing how your credit works, what changed, and what your next move should be. Because “just apply and see” is not a strategy.

Your file. Your playbook. Real updates.

The receipts

The scoreboard speaks.

Here’s where client wins go. Add approved screenshots and stories from people who’ve crossed their own finish lines.

Client resultsInsert a permissioned, redacted before-and-after report.
Client reviewsInsert a verified quote or video with permission.
Couples outcomeInsert a real household story when available.
The Sprint method

Three plays. One better position.

01 · Repair

Challenge what doesn’t check out.

We review your actual reports, identify eligible errors or concerns, and handle the dispute process for you.

02 · Rebuild

Build beyond the dispute.

We look at utilization, payments, and account habits so you're building beyond the next bureau update.

03 · Get Funding Ready

Know when it’s time to shoot your shot.

Know what lenders may look at and when your file may be better positioned for your next move.

What may be standing in your way

What We Can Remove

When negative items are inaccurate, outdated, incomplete, or unverifiable, they may be eligible to be challenged through the credit repair process. Every credit file is different, so removal is never guaranteed.

Hard InquiriesPublic RecordsMedical BillsCharge-OffsChild SupportEvictionsRepossessionsCollectionsBankruptciesLate PaymentsForeclosures

✦   Removals depend on your credit profile. Some items may take longer than 90 days to process.

What you get

We run the plays. You stay in the game.

Full Credit Review

Find out what's showing up and what's getting in the way.

Dispute Strategy + Filing

We identify eligible concerns and prepare the disputes on your behalf.

Rounds Handled For You

We track responses and determine the appropriate next round.

Credit Rebuilding Plan

Know which habits and balances need attention.

Funding Readiness

Understand the factors to check before making your next application.

Community Access

Get education and support while the work moves.

The fit check

A real fit check before the starting line.

This is your lane if…

  • Collections, late payments, or charge-offs have you stuck.
  • You're planning a car, home, apartment, or business move.
  • You want the eligible dispute work handled for you.
  • You and your partner want a household strategy.

Probably not your lane if…

  • You need a promise that every negative item disappears.
  • You aren't willing to work on balances and payment habits.
  • You want to apply for funding tomorrow and expect a guaranteed yes.
Client stories

Real moves. Real receipts.

A denial is a moment. It doesn’t have to be the whole story. Add three verified Before → Sprint → After client stories here, including one couple.

Story 01Before → what we addressed → verified outcome
Story 02Before → what we addressed → verified outcome
Couples storyTwo files → household plan → verified outcome
Choose your lane

Pick your lane. Let’s get moving.

DIY, done-for-you, or a household power move. Choose the level of help that fits where you are right now.

COMING SOON

DIY Track

Learn it. Work it yourself. Get guidance along the way.

$27 / month
  • Community access
  • Credit education and strategy resources
  • One 15-minute Track Evaluation per month
  • Progress accountability
MOST POPULAR

90-Day Sprint

You focus on your next move. We handle the eligible repair work.

$597 service price*
  • Personalized credit review
  • Dispute strategy and filing done for you
  • Response tracking and appropriate rounds
  • Credit rebuilding plan
  • Funding-readiness education
  • Community access
Start My Sprint
BEST VALUE FOR TWO

Couples Sprint

Two files. One household plan. Built for the move you're making together.

$997 service price*
  • Everything in the Sprint for both partners
  • Joint funding and mortgage-readiness session
  • Household utilization plan
  • Authorized-user strategy where appropriate
  • Save $197 versus two individual Sprints
Start Our Sprint

Active credit monitoring is required to review current reporting and track changes. Setup instructions are provided during onboarding. *The enrollment agreement explains the services and payment schedule. Choose your Sprint above to continue to checkout.

The Clean Start Promise
The Clean Start Promise

No repair needed? We still have a play.

If your review shows your profile doesn’t need repair, we’ll refund half of your payment. Then we’ll help you build: hands-on guidance, a plan for your profile, and clear next moves. You don’t leave the track just because your lane looks different.

Once you’re in

Sign up.
Get in position.
Then run your race.

You don't enroll and disappear into a portal wondering what happens next. We move with you from onboarding to the next financial move.

1
Step One

Onboard

Complete your intake so we understand your profile, priorities, and the lane you're entering.

2
Step Two

Activate Credit Monitoring

Connect your monitoring so we can review current reporting and track changes along the way.

3
Step Three

We Work Your File

We review, map the strategy, file eligible disputes, handle appropriate rounds, and keep you updated. You build with us along the way.

★
The Finish Line

Cross the Line Funding-Ready

Leave knowing what changed, what needs attention, and what to consider before your next application.

Choose My Lane
Questions? Good.

Know what you're getting before you sprint.

Straight answers. No running in circles.

What if my credit needs more than 90 days?

The Sprint is your focused 90-day service window. Some credit files need more time because bureau responses, account updates, and your rebuilding habits don't all move on the same clock. At the end, we'll show you what moved, what still needs attention, and your next best step. If you want continued hands-on help, we'll walk you through your options.

What exactly are y'all doing for me?

We review your current reports, build a strategy around your file, prepare and file eligible disputes, track responses, handle appropriate follow-up rounds, and help you build stronger credit habits. You get updates along the way, so you aren't guessing what lap we're on.

Do I have to get credit monitoring?

Yes. It gives us a current view of what's reporting and lets us follow changes during your Sprint. You'll get setup instructions during onboarding.

What if my report doesn't need repair?

Then we switch lanes. Under the Clean Start Promise, we refund half your payment and work with you on a hands-on plan to build your credit profile.

How does the Couples Sprint work?

We look at both credit files and build a plan for the household. If one partner has stronger credit, we consider how that fits into utilization, authorized-user opportunities where appropriate, and the move you're planning together.

Can I apply for a car, apartment, or funding during the Sprint?

Tell us what you're aiming for during intake. We'll discuss what lenders may look at and help you understand your current position before you decide when to apply. The approval decision is always the lender's.

Your next move

Your credit doesn’t need another pep talk. It needs a game plan.

Pick your lane. We’ll map the route, do the work, and keep you up on every lap.

See My Sprint Options

P.S. The finish line doesn’t move closer while you stand still.