Your cancellation right

Notice of cancellation

Federal law and Missouri law both give you a short window to cancel a credit repair contract for any reason, at no cost. We do not start work, mail letters, or charge a repair fee until that window has fully expired.

In plain words

• You may cancel any cycle agreement without penalty or obligation before midnight of the third business day after the date you signed it.
• If you cancel in time, any payment made under that agreement will be returned within 10 days after we receive your notice. In our model you are not charged during this window, so there is usually nothing to refund.
• To cancel, mail or deliver a signed, dated copy of a cancellation notice, or any other written notice, to us at the address below before the deadline on your form. Email to sales@freshstartcreditcompany.com is also accepted. That is extra; it does not replace the statutory method.
• After the window, you can still stop any time. If we have not mailed yet, you owe nothing for that cycle. If we have mailed, that cycle's $199 fee is due 3 days after the mailing date.

When you sign a cycle agreement, you will receive dated copies of these notices with your cancel-by deadline filled in. The forms below are the statutory language, with the cancel-by date left as [CANCEL DATE], so you can read them now.

Federal notice of cancellation

Required by 15 U.S.C. §1679e(b). Two copies are attached to each signed agreement.

Missouri notice of cancellation

Required by RSMo §407.642.2. Two copies are attached to each signed agreement, in bold.

We count 3 business days after the signing date, skipping Saturdays, Sundays, and federal holidays. That date is never earlier than Missouri's “third day” deadline, and the later date goes on the forms as [CANCEL DATE]. Support phone: (314) 334-8835.