Step 4 of 4
Card on file — no charge today
Federal law bars a credit repair company from charging you for a service before that service is performed (15 U.S.C. §1679b(b)). If you authorize a card, it is stored for later use only. The $199 cycle fee is charged 3 calendar days after that cycle's approved letters are mailed by certified mail, and only after your 3-business-day cancellation window has expired. Nothing is charged at enrollment.
What you would be authorizing
- A card on file with our payment processor, not a charge today
- $199 per individual cycle (or $349 per household cycle), only after mailing proof exists and 3 days have passed
- No charge if you cancel during the 3-business-day window, and no charge for any cycle whose letters were not mailed
- We will email an invoice at mailing so you have those 3 days to review it
- We never take a card or payment authorization on the phone
Payment processor not connected — no card will be collected on this page.
Stripe (or another processor) has not been connected to the Fresh Start account, so there are no card-number, expiration, or CVC fields here on purpose. Connecting a processor is a step Ryan must complete in the payment account. After that, this page will collect a card on file only, with no enrollment charge.
We don't promise deletions, score increases, loan approvals, or timelines. Accurate, current, verifiable information can't be removed. You have the right to dispute inaccurate information with the credit bureaus yourself, for free. Optional monitoring remains billed by SmartCredit, separately from repair.