Your Path to Stronger Credit Starts with Knowledge, Strategy, and Expert Support
Your Path to Stronger Credit Starts with Knowledge, Strategy, and Expert Support
Our Mission
Fresh Start Credit Services, exists to educate, empower, and guide individuals, families, and small business owners toward stronger credit health and long-term financial stability.
Grounded in integrity, transparency, and a commitment to customer empowerment, we provide clear pathways for people seeking financial freedom and the confidence to rebuild their future.
We serve those who want to improve their credit, secure better loan terms, strengthen their business foundation, and achieve lasting peace of mind. Our specialized services—including detailed credit analysis, customized dispute resolution, credit-building programs, and ongoing financial education—are designed to meet clients exactly where they are and move them toward where they want to be.
We help individuals improve their credit with our services
Credit Report Analysis
Reviewing credit reports to identify errors, inaccuracies, or negative items that can be disputed or removed.
Dispute Resolution
Challenging inaccuracies with credit bureaus and creditors to have them corrected or removed.
Debt Reduction Strategies
Implementing plans to pay off outstanding debts, such as the snowball or avalanche method.
Payment History Improvement
Encouraging timely payments and potentially negotiating with creditors for payment plans or settlements.
Credit Counseling
Providing guidance and education on financial management, budgeting, and responsible credit use.
Secured Credit Cards
Suggesting the use of secured credit cards to build or rebuild credit history while maintaining low balances.
Authorized User Status
Adding clients as authorized users on higher credit limit accounts to boost their credit scores.
Credit Education
Offering resources and workshops on credit scoring, financial literacy, and long-term financial planning.
Monitoring Services
Providing ongoing credit monitoring to keep clients informed of changes and potential issues with their credit profiles.
We help teams build a Credit of their dreams with Our services.
WHAT ARE YOU PAYING FOR?
You are paying exclusively for the removal of derogatory, closed accounts from your credit reports. Once an account is successfully deleted, it does not reappear.
Most clients experience 50% or more of their derogatory accounts removed across all three credit bureaus within the first 30–40 days after enrollment.
To ensure effective and ethical results, we do not dispute:
- Accounts that are currently open
- Open accounts with late payment history only
If a previously deleted account reappears on any of your credit reports within two years, we will redispute it at no additional cost.
While credit report improvements often lead to score increases, credit score improvements are not guaranteed. Every client’s credit profile is unique, and scores can fluctuate based on multiple factors.
For tips on strengthening your credit score, please review the “How to Improve My Credit Score” guide located in the Knowledge Center → Resources section of our website.
What are you paying for?
You are paying for removal of derogatory closed accounts ONLY.
Once deleted accounts do not reappear. The majority of clients see 50% or more of
derogatory accounts deleted across all 3 credit bureaus in the first 30-40 days. We will
not dispute accounts that are currently open or have late payment history only. Also, if
an account should repost to one of your credit reports within two years, I will redispute.
we do not GUARANTEE CREDIT SCORE IMPROVEMENTS. EVERY CLIENT CREDIT IS
DIFFERENT AND SCORES FLUCTUATE BASED ON VARIOUS FACTORS. SEE CHECK MY
CREDIT LINK ON SITE FOR MORE INFORMATION.
Pricing Options
- $1,599 (standard) Includes up to three rounds
- $750 minimum pricing If you have one or two negative accounts only call for pricing
- Repossession $750 (If balance <50K)
- Repossession $1,000 (If balance >50K)
- Evictions $600
- Judgements $600
Husband & Wife special $2,500 (Must have same address) (Not including repossessions and Bankruptcy)
Other Payment Plan Options
$800
To start and $750 in 30 days
$533
To start and $533 every 30 days (this option one credit bureau will begin processing once each payment is received. This option will take longer since we will start your 3rd credit bureau in 90 days)
Optional Services
- $300-$500 new collections while processing disputes
- $50 per bureau-(if less than 10 inquires) total $150
- $100 per bureau-(if more than 10 inquires) total $300
- $100 per month ongoing credit consultation/strategy sessions
- $300-$500 If 2 additional rounds are needed (case by case) 100% money back guarantee if no additional derogatory accounts are removed from any of the three major credit bureaus (usually large files 15-25 derogatory accounts)
- $24.99 monthly fee if you would like credit monitoring and support (after completion of credit process)
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