FAQ'S
POWERING THE WORLD WITH KNOWLEDGE
Who needs fresh start Credit Services repair?
Customers who have mistakes on your credit report or fraudulent activity on your credit report.
How can I check my fresh start Credit Services report for free?
Visit our Financial Empowerment Program
link and click on each link to obtain a free credit report.
Will I have to pay the creditors or collection companies once a derogatory account is removed from my fresh start Credit Services report?
You still owe the debt legally and the history of the account remains with that particular lender forever.
How long does the fresh start Credit Services repair process take?
The process can take 30 to 150 days depending on how many derogatory accounts you have. Normally clients are finished after the first or second round. Larger files 10 to 20 derogatory accounts may take three rounds or more.
How will I be notified when items are removed from my fresh start Credit Services report?
You will either receive an email stating your dispute is complete or a copy of your credit report in the mail or communication from Fresh Start via text with updates every 30-40 days.
What types of items can be removed from my fresh start Credit Services report?
Any negative or derogatory account can be removed from your credit report based on fraud, errors or violation of laws within the Fair Credit Reporting Act.
What should I do with the communication I receive from creditors and the fresh start Credit Services reporting agencies?
File all documentation in a file and keep for your records.
How long do derogatory items remain on my fresh start Credit Services report?
A new collection remains on your credit report for seven years. A charge off account remains on your credit report for seven years. A bankruptcy remains on your credit report for 7-10 years.
How do I send my emails of DISPUTE RESULTS COMPLETED to Fresh Start?
You will be provided an email to forward all correspondence to.
Once my derogatory program is completed how long do I have to wait to apply for new fresh start Credit Services accounts?
We recommend one to two weeks to allow all information to update with smaller credit reporting companies.
Does Fresh Start accept bonuses- if clients are extremely satisfied with your services?
No, we do not accept gifts, bonus, cash or other items. However, you can make an in-kind donation to one of the 15 nonprofit organizations we support. Email for details
Are fresh start Credit Services repair services worth the cost?
Yes if you value results and peace of mind. You will know if you have hired a creditable company based on communication and results. Can you assign a cost to flexibility and peace of mind? If so, what would you pay to insert yourself in the game?
What is a fraud alert on my fresh start Credit Services report?
A notification to potential creditors that you may be a victim of identity theft.
After some or all derogatory accounts are removed can my fresh start Credit Services score decrease?
Yes, in some cases clients will have no open or positive accounts. Resulting in a credit score being created from charge off accounts and collection accounts. Once removed there is nothing to rate. Therefore seeing a NR (non rated). If this happens you can have a family or friend add you as an authorized user to three or four accounts to help boost your score. Or you can click the tradelines link and purchase three or four tradelines (authorize user accounts)
What are tradelines?
In the context of credit reports, a tradeline is a record of a specific credit account, such as a mortgage, that appears on your credit report. Each credit account you have will be represented as a separate tradeline, detailing its history and status.
Why would I need to purchase tradelines?
If you have not established any credit your are classified as credit invisibility. Which is when a consumer does not have a credit score. Millions of consumers are credit invisible in the United States.
How are authorized user tradelines considered by fresh start Credit Services scoring systems?
Just like primary accounts, authorized user tradelines can help or hurt your score depending on how they are managed.
Who needs fresh start Credit Services repair?
Mistakes on your credit report or fraudulent activity on your credit report.
Why is my fresh start Credit Services score important?
While your credit score is just a three-digit numbe, it can have a huge impact on your life. When building your life in the midst of economic uncertainty, a good credit score is an even more important asset.
Are fresh start Credit Services repair services worth the cost?
Yes if you value results and peace of mind. will know if you have hired a creditable company based on communication and results. Can you assign a cost to flexibility and peace of mind? If so, what would you pay to insert yourself in the game?
Does Fresh Start Credit Services guarantee 100% of derogatory accounts will be removed?
Absolutely not, we guarantee a minimum of 80% of total derogatory accounts disputed across all three major credit reporting agencies will be removed or your money back.
What should I look for in a fresh start Credit Services repair company?
A proven track record, referrals from friends, family and community. Integrity knowledgeable, fair pricing and excellent communication.
