Optional next steps
After your program
Ways to keep your credit file accurate and keep building. Everything here is optional. None of it is required for repair, and none of it changes the $199 cycle fee.
Fresh Start Monitoring
Optional; not required for repair
Fresh Start Monitoring, powered by SmartCredit: your 3-bureau credit report and scores each month, credit monitoring with alerts, and $1 million fraud insurance. $39.99 a month, renews monthly until you cancel, and you can cancel with SmartCredit any time. Sold and billed by SmartCredit, which pays Fresh Start Credit Co. part of the fee. You pull your own report; we view it only with your written permission. Insurance terms are set by SmartCredit's policy. Your first paid month includes your 3-bureau report.
The details link will be added at launch.
Graduation Credit Review
Optional, billed $149 only after delivery
A one-time education review of your file after repair. Education only: no promise of a score, a loan, or a timeline, and no lender referral payment.
Identity-theft cleanup
Optional, billed $299 only after delivery
Help using your FTC Identity Theft Report from IdentityTheft.gov. We cannot start this work without that report, and we do not promise that any item will be removed.
Credit-builder options (education)
Free to read any time
Plain-English comparison of secured credit cards, credit-builder loans, low-cost credit lines, and rent reporting. Provider prices change, so we'll publish current figures at launch. We don't recommend a specific product for you, and we earn nothing if you sign up through this education page.
The details link will be added at launch.
Struggling with bills? Talk to a nonprofit counselor
Free to read any time
A nonprofit credit counseling agency can review your budget or set up a debt management plan. Find one through the National Foundation for Credit Counseling. Ask about fees before you agree to anything. We don't do debt settlement and don't get paid for this referral.
Money basics mini-course
Free, no sign-up
Short free lessons: reading a credit report, how utilization and payment history work, building a starter budget, and spotting credit-repair scams. Education only, not financial advice.
The details link will be added at launch.
Refer a friend
Any time
If a friend signs up and their first cycle is complete and paid, we send you a $25 thank-you. Your friend pays the normal price. If you post about us online, say that we pay referral thank-yous. We never pay for reviews and never ask for only positive ones.
The details link will be added at launch.
Referral and affiliate disclosure
Some links on this page may pay Fresh Start a referral fee in the future. Today they do not: we accept no referral or affiliate payments until the Missouri Division of Finance confirms in writing that we may. If that changes, this notice will say so before you click, and it will never change the price you pay.
No product on this page can remove accurate information from your credit report, and none of them is a loan offer. Fresh Start Credit Co. is not a lender, insurance agency, or debt-settlement company.