Education and money tools
The Fresh Start Credit Co. app
Understand your credit. Plan your payments. Track your goals. The app is sold as education and money tools only — not as credit repair.
Education and money tools
Anyone will be able to subscribe. Cancel any time in the store or account where you enrolled.
Included during repair
If you are in an active $199 repair cycle, the app is free. After your last cycle, you can keep it for $3.99 a month if you want to.
What's inside
Credit education
Plain-language lessons on how credit reports are built, what common items mean, and how to read a file without the jargon.
Report reader
A clearer view of a report you upload or already have, so you can see accounts, dates, and balances in one place.
Payment and budget tools
A utilization and budget coach that helps you plan what to pay today. It is math and planning, not a promise about any score.
Goals
Track personal money goals and a simple document checklist some people use when they plan to apply for a loan later. That checklist is not a lender review and is not a promise of approval, a rate, or a timeline.
Repair inside the app
When the app is live, you will be able to learn about repair and start an enrollment from it. Repair is billed outside the app stores: $199 per cycle, charged 3 days after that cycle's letters are mailed, only after the cancellation window. We never take a card on the phone.
Availability
The app is planned as a phone-friendly web app first, then iPhone and Android listings. It is not in the App Store or on Google Play yet, and this page is not an offer to subscribe today. When it launches, the price, the monthly renewal, and how to cancel will be shown before you pay.