Step 1 of 4
Get your credit report & monitoring
Most people start with optional Fresh Start Monitoring, a SmartCredit co-brand. You pay SmartCredit $39.99 today, which includes your 3-bureau report and scores, then $39.99 a month until you cancel with SmartCredit. Fresh Start never bills this. Monitoring is not required for repair.
Fresh Start Monitoring
- Co-branded SmartCredit page with the Fresh Start name
- You pay SmartCredit (ConsumerDirect, Inc.) directly — we never take that payment
- $39.99 today includes your full 3-bureau report and scores
- Then $39.99 a month until you cancel with SmartCredit
Fresh Start Monitoring is sold and billed by SmartCredit (ConsumerDirect). SmartCredit pays Fresh Start part of the monthly fee. You don't need it for credit repair: a current 3-bureau report from any source, or free reports from AnnualCreditReport.com ($0), work too.
https://smartcredit.com/freshstartcreditco. That official link is not issued yet, so this button is not connected and no payment can be taken here.Free weekly reports
- Get Equifax, Experian, and TransUnion reports yourself, free every week
- Use our free 8-point checklist
- You can enroll in repair with these reports. Monitoring is never required
The honest part. 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. Repair, if you want it, is $199 per cycle, up to 6 cycles (maximum $1,194). Each cycle is charged 3 days after certified mailing, only after your 3-business-day cancellation window. There is no upfront repair charge.