General Info:
Repair or improve your credit quickly and qualify for higher credit limits.
Fresh Start Credit Repair has a team of credit professionals, dedicated to making sure the information on your credit report is true and accurate.
Restoring your credit is not easy for you, but it is for us. Fresh Start Credit Repair takes on the tedious task of disputing inaccurate, false, untimely, and misdated information from your credit report. More often than not, these inaccuracies account for the vast majority of issues that make your credit report score go down. Having the knowledge of how to remove this information is just part of the credit puzzle.
Why choose Fresh Start Credit Repair?
* We know how important your credit report is to you and your family
* We have a team of professionals fighting for your credit, everyday
* We are locally owned and operated
* We are an Accredited Business with the Better Business Bureau (BBB)
* Our Credit Repair Program is carefully designed to produce the optimal results.
* Satisfaction Guaranteed
Within the first 30 days, we have begun removing negative items and started the rebuilding process. This is the most important time for us, because we are contacting, disputing, and removing items on behalf of you.
The time following the first 30 days is just as important because we are responding to the credit bureaus, collections companies, and lien holders. This is when we really shine as we fight for you to have negative items removed and cleared as necessary.
As we dispute and clear items from your credit report, we ask that you fax, bring in, or scan and e-mail us any letters you receive regarding your credit and disputes.
It is VERY IMPORTANT that you pay your bills on time. This is important because as we rebuild your credit, new late payments, debts, and new negative items can keep your credit score low.
We utilize every legal step possible to protect your rights under the Fair Credit Reporting Act
Below is a summary of the FCRA. The full Act can be obtained directly from the Federal Trade Commission's web site.
Fair Credit Reporting Act (Summary)
Public Law 91-508
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information."
The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days.
The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary."
When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus apparently feel that they are entitled to ignore that dispute.
From our experience, most people quickly discover that the process can be troublesome and time consuming.
In theory and law, the process is deceptively simple, thus leading many people to believe that they can easily handle these themselves "for the price of a few postage stamps." From our experience, most people quickly discover that the credit b