Step 3 of 4

Enroll and e-sign

Before you sign, you must receive the federal Consumer Credit File Rights disclosure as a separate document. Then review the service agreement. Fresh Start Credit Company LLC charges $199 per cycle, up to 6 cycles (maximum $1,194 for an individual plan). Each cycle is billed 3 calendar days after that cycle's certified mailing. There is no upfront charge, no setup fee, and no prepaid package.

1. Your rights — read this first (required, separate from the contract)

Federal law requires that you receive the “Consumer Credit File Rights Under State and Federal Law” statement before you sign any contract, as a document separate from the agreement (15 U.S.C. §1679c). Open it, read it, and come back to check the box below.

Open the consumer-rights disclosure Open the cancellation notices

You have the right to dispute inaccurate information with the credit bureaus yourself, for free. You may cancel within 3 business days of signing, at no cost.

2. Service agreement (summary of the client contract)

This is the agreement you would sign with Fresh Start Credit Company LLC d/b/a Fresh Start Credit Co.. Missouri residents may sign one agreement for up to 6 cycles. Clients in other authorized states sign a new agreement for each cycle. We cannot serve Georgia residents. A complete copy, including the cancellation notices, is on the cancellation and rights pages and will be emailed when e-sign is fully connected.

Parties. Fresh Start Credit Company LLC d/b/a Fresh Start Credit Co., 717 Berrywine Lane, Arnold, MO 63010. Email: sales@freshstartcreditcompany.com. Phone: (314) 334-8835. Missouri registered agent: Northwest Registered Agent Service, Inc., 117 S Lexington Street, STE 100, Harrisonville, MO 64701.

Services. A completed, paid cycle is: review of the reports you provide, your written approval of items to dispute, preparation of those dispute letters, and sending the letters you approved by USPS Certified Mail, with proof of mailing. We do not promise deletions, score increases, loan approvals, or timelines. Accurate, current, and verifiable information cannot be removed. We do not sign your name or pretend to be you.

Payment. Individual: $199 per completed cycle; if you use all 6 cycles, the total of all payments to Fresh Start for repair is $1,194. Couples / household: $349 per completed household cycle (maximum $2,094 if all 6 household cycles are used). The fee is charged only after (i) your 3-business-day cancellation window has expired, (ii) the letters you approved have been sent by certified mail with proof, and (iii) 3 calendar days have passed since that mailing date. No charge if mailing proof is missing. No setup fee. No prepaid fee. Optional Fresh Start Monitoring at $39.99/month is billed by SmartCredit, not by us, and is not required for repair.

No work during the cancellation window. We will not prepare letters, mail letters, or perform any other service under the agreement until after midnight of the applicable cancel deadline. Estimated performance of the agreement is within 180 days after you sign; that is an estimate of our work, not a promise about results.

How we communicate. Email, the client portal, web chat, and phone for support only. We do not sell or take payment for credit repair by telephone. We contact you only by email, the client portal, web chat, and phone for support.

You can cancel for any reason before midnight of the third business day after you sign, at no cost. See the cancellation notice.
You received the federal Consumer Credit File Rights statement as a separate document before signing, and you can dispute errors yourself, for free.
Sign-up and payment authorization happen only on this website, in the client portal, or in person by appointment in Arnold, Missouri. We never take a card on the phone.

YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE 3RD BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED THE CONTRACT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.

YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.

Your cancel deadline is midnight of the 3rd business day after you sign, shown as [CANCEL DATE] on the notices issued at signing. No services will start before then.

3. Electronic signature

A durable e-sign account (GoHighLevel Documents & Contracts, or an equivalent provider) is not connected yet. Typing your name below records a signature preview on this page only. It does not finalize a stored contract and it does not charge you. When e-sign is connected, you will receive a full PDF copy at the time you sign (15 U.S.C. §1679e(c)).

Plan

Type your full legal name as your electronic signature

I consent to receive and sign these documents electronically (E-SIGN, 15 U.S.C. §7001(c)). I can request paper instead by emailing sales@freshstartcreditcompany.com. I received and read the separate Consumer Credit File Rights statement before signing, and the cancellation notices. I understand no one can promise deletions, score increases, loan approvals, or timelines. I understand there is no upfront charge. Each cycle fee is charged only 3 days after that cycle's letters are mailed, and never during the cancellation window.

Continue to card on file (no charge today)

Questions? Email sales@freshstartcreditcompany.com or call (314) 334-8835.