How Does Credit Repair Work?
Credit repair is the process of disputing items that are negatively affecting your credit scores. These negative items can be removed IF:
- They are reported inaccurately.
- They are reported incomplete.
- The account is unverified.
- Creditors cannot provide accurate/appropriate documentation.
- There is no response to disputes.
- There is a violation within the FCRA or FDCPA.
How Much Does the Credit Repair Service Cost?
Individuals: $199/First Month and then $99/Month for the remainder of the service term.
Couples: $249/First Month and then $149/Month for the remainder of the service term.
Clients are also responsible to establish and maintain a Credit Monitoring account with Credit Hero Score. This system integrates directly into our software and provides us updates on credit score improvement. Monthly fees as low as $20/Month
**Charges will be billed each month when work has been completed in compliance with the Credit Repair Organizations Act (CROA).**
Couples: $249/First Month and then $149/Month for the remainder of the service term.
Clients are also responsible to establish and maintain a Credit Monitoring account with Credit Hero Score. This system integrates directly into our software and provides us updates on credit score improvement. Monthly fees as low as $20/Month
**Charges will be billed each month when work has been completed in compliance with the Credit Repair Organizations Act (CROA).**
What is Included in the Credit Repair Service?
First Month:
*Service Agreement Execution
*Client file and communication plan documentation
***Charges will be billed each month after work has been completed in compliance with the Credit Repair Organizations Act (CROA).
Clients may cancel service at any time.
- Initial client onboarding which includes:
*Service Agreement Execution
*Client file and communication plan documentation
- Accessing and importing a client’s credit reports through Credit Repair Cloud.
- A comprehensive audit of all three credit reports
- Development and communication of a client-specific strategy for credit score improvement.
- Initial dispute processing with credit reporting agencies, collection agencies, and/or original creditors.
- All Printing and Postage charges
- Initial credit education.
- Importing and evaluation of credit reports
- Communicating progress of previous month’s disputing and plan for this month to client.
- Processing disputes with credit reporting agencies, collection agencies, and/or original creditors
- All printing and postage charges
- Filing of complaints with regulatory authorities (As-Needed)
- Provision of credit education materials
***Charges will be billed each month after work has been completed in compliance with the Credit Repair Organizations Act (CROA).
Clients may cancel service at any time.
Can I Fix My Own Credit?
Short Answer is YES!
People can self-perform disputing and potentially repair their own credit. There are countless videos on YouTube providing guidance for repairing credit. (Be careful who you listen to)
Our service is about using correct strategies and tools not only to remove negative items, but to also build a positive credit profile. This saves our clients time while working toward their financial goals:
People may choose to repair their own vehicles, but many do not have the training or tools necessary to properly complete the repairs, so they bring their car to a mechanic saving them time and effort.
Similarly, people may choose to fix their own plumbing, but once again many people do not have the knowledge or tools needed to perform these repairs, so they call a plumber.
Credit repair is similar to these services. It is literally just a SERVICE. If you don't have time to attempt this month after month or time to learn, hiring a credit repair company is the way to go.
People can self-perform disputing and potentially repair their own credit. There are countless videos on YouTube providing guidance for repairing credit. (Be careful who you listen to)
Our service is about using correct strategies and tools not only to remove negative items, but to also build a positive credit profile. This saves our clients time while working toward their financial goals:
People may choose to repair their own vehicles, but many do not have the training or tools necessary to properly complete the repairs, so they bring their car to a mechanic saving them time and effort.
Similarly, people may choose to fix their own plumbing, but once again many people do not have the knowledge or tools needed to perform these repairs, so they call a plumber.
Credit repair is similar to these services. It is literally just a SERVICE. If you don't have time to attempt this month after month or time to learn, hiring a credit repair company is the way to go.
How Long Will it Take To Improve My Credit?
Our average client may use our services for between 3-8 months, depending on their long-term goals. Everyone's situation is different and we cannot control if the credit bureaus request more supporting documents. Credit reports change each month, therefore this is a month-to-month process and can easily take several attempts to work on specific items. It takes 30-45 days, just for the credit bureaus to process and respond to our work.
Despite what some are saying on social media, there is no "quick fix" in credit repair. Working on your credit is similar to working out in the gym-It takes time to make a better version of yourself! ***Clients may cancel service at any time***
Despite what some are saying on social media, there is no "quick fix" in credit repair. Working on your credit is similar to working out in the gym-It takes time to make a better version of yourself! ***Clients may cancel service at any time***
Do I Need Credit Monitoring If I Already Have Credit Karma or the Experian App?
Credit Karma nor the Experian app can import data from all three credit bureaus into our system, therefore we cannot use these applications.
We require clients to enroll in Credit Hero Score simply because it interfaces directly into our business systems, has proven to be highly accurate, and is affordable with plans starting at $19.99 per month.
We require clients to enroll in Credit Hero Score simply because it interfaces directly into our business systems, has proven to be highly accurate, and is affordable with plans starting at $19.99 per month.
What is Needed to Enroll?
You can complete the entire process from your smart phone!
Signing up is quick and only takes 10 minutes. You'll only need basic personal information and a copy of your driver's license or state ID , along with a document to prove your residency ( utility bill, card statement, etc. ). You will be required to review and electronically sign our client agreement which outlines our pricing and provides us with authorization to perform disputes on your behalf.
You will need to sign-up for credit monitoring through Credit Hero Score ($1 to start then $19.99/month) and maintain that service for the duration of our work. Once our work is completed, you can decide if you wish to continue the credit monitoring service.
The credit card you put on file for our services must be a real bank credit or debit card. Our billing system cannot process pre-paid merchants, such as: Cashapp cards, Chime cards, etc.
Signing up is quick and only takes 10 minutes. You'll only need basic personal information and a copy of your driver's license or state ID , along with a document to prove your residency ( utility bill, card statement, etc. ). You will be required to review and electronically sign our client agreement which outlines our pricing and provides us with authorization to perform disputes on your behalf.
You will need to sign-up for credit monitoring through Credit Hero Score ($1 to start then $19.99/month) and maintain that service for the duration of our work. Once our work is completed, you can decide if you wish to continue the credit monitoring service.
The credit card you put on file for our services must be a real bank credit or debit card. Our billing system cannot process pre-paid merchants, such as: Cashapp cards, Chime cards, etc.
How Will I Receive Progress Reports?
Once enrolled as a client, you will have access to your own on-line client portal. Every 30 days, your online portal will show your newest scores and updated account details. You will also receive emails on any new work we're processing. In addition, the credit bureaus will also mail you updates.
Also, once enrolled, you'll also have our office support number, where you can speak to a live person about your situation, or to answer questions.
Also, once enrolled, you'll also have our office support number, where you can speak to a live person about your situation, or to answer questions.
Why Choose Fresh Start Financial Services?
We are a company that operates with integrity, protecting our clients and ourselves from any potential legal issues. We provide a superior service experience and communicate frequently with our clients. This communication allows our clients to understand exactly what work is being performed and have copies of all documentation associated with their account.
We try to answer all of your questions prior to enrollment and provide multiple methods of communication to make the process easy and transparent.
We treat all clients with empathy and respect and ask our clients to also respect our team and the work we perform.
Working with the credit bureaus is time consuming and can be challenging. Some deletions and credit score improvements take longer than others and may take multiple attempts using different strategies to achieve positive results. If there is ever a concern, we will respectfully discontinue our services and there will be no hard feelings attached! .
We try to answer all of your questions prior to enrollment and provide multiple methods of communication to make the process easy and transparent.
We treat all clients with empathy and respect and ask our clients to also respect our team and the work we perform.
Working with the credit bureaus is time consuming and can be challenging. Some deletions and credit score improvements take longer than others and may take multiple attempts using different strategies to achieve positive results. If there is ever a concern, we will respectfully discontinue our services and there will be no hard feelings attached! .
Things We Simply Will Not Do:
We do not lie to our clients about what can be removed from their credit report or promise results. If someone is telling you they can "fix your credit" without or before seeing your credit reports, they are violating laws in CROA and it is a good chance they are not being truthful.
*Would you allow a doctor to recommend surgery, without them seeing what's wrong with you?
*Would you hire a lawyer, without them looking at your case?
We do not accept full payments up front. If a company is charging service fees upfront (before you enroll or processing any work), they are violating CROA and you should not do business with them.
We do not offer "credit sweeps". This is a term used to illegally file a police report "claiming something doesn't belong to the consumer" or "they are a victim of identity theft", just to submit it to the credit bureaus and they remove those items.
Issues like these give real credit repair companies a bad name.
*Would you allow a doctor to recommend surgery, without them seeing what's wrong with you?
*Would you hire a lawyer, without them looking at your case?
We do not accept full payments up front. If a company is charging service fees upfront (before you enroll or processing any work), they are violating CROA and you should not do business with them.
We do not offer "credit sweeps". This is a term used to illegally file a police report "claiming something doesn't belong to the consumer" or "they are a victim of identity theft", just to submit it to the credit bureaus and they remove those items.
Issues like these give real credit repair companies a bad name.
Is Fresh Start Financial Services Licensed to Perform Credit Repair?
Yes, federal and state laws require us to obtain two things:
1. State registration: Registered as a Credit Services Organization in the state of Ohio: Certificate # CS.900407.00
2. Surety Bond for Credit Repair: Bond #PB11562515498 through Surety1
This is the first question you should ask anyone or business before seeking financial help! You do not want anyone to have access to your personal information if they are not a registered/bonded credit repair organization. With many fake "credit gurus" and online scams, you should take your financial life seriously, and ensure a business is fully legit, before using their services.
1. State registration: Registered as a Credit Services Organization in the state of Ohio: Certificate # CS.900407.00
2. Surety Bond for Credit Repair: Bond #PB11562515498 through Surety1
This is the first question you should ask anyone or business before seeking financial help! You do not want anyone to have access to your personal information if they are not a registered/bonded credit repair organization. With many fake "credit gurus" and online scams, you should take your financial life seriously, and ensure a business is fully legit, before using their services.
What Payment Methods Can I Use?
We only accept Mastercard or VISA transactions. We CANNOT process Discover or pre-paid cards, such as: Venmo, Cash app cards, etc. The billing system we use has strict and secure compliance; therefore we're limited to processing Mastercard or VISA cards. (Including debit cards) We also can't store bank accounts. Even if we could, we would respectfully decline to store anyone's routing and account numbers.
Do I Need to Meet In-Person with Anyone?
Not Required!
Our service is fully online . We believe our website, along with text, chat, or email communication can answer most questions before getting started. Our enrolled clients have our support number to ask any questions within a 3-5 minute phone call, from the comfort of their own homes.
Our service is fully online . We believe our website, along with text, chat, or email communication can answer most questions before getting started. Our enrolled clients have our support number to ask any questions within a 3-5 minute phone call, from the comfort of their own homes.
Can I Request a Phone Consultation Prior to Signing up?
Unfortunately, we are prevented from performing phone or video consultations by the Federal Telemarketing Sales Rule (TSR) prior to clients signing up for our service. We can discuss our services and answer your questions using email, chat, or text functions. Once enrolled as a client, you can call during normal business hours, and we will be happy to answer any questions you may have.
