For loan officers
Refer a client. We do the credit-report work. You get paid after they do.
If someone is not ready for a mortgage because of errors or outdated items on their credit reports, you can point them to Fresh Start. If they become a client and pay for a completed cycle, we pay you a referral fee. The fee is never tied to a loan application, an approval, or a closing. Based in Arnold, Missouri.
The work
Credit-report help, billed after the letters go out
We help people find and dispute inaccurate, incomplete, or outdated items on their Equifax, Experian, and TransUnion reports. A real person reviews every item. Letters go out only for items the client confirms.
Repair is $199 per cycle. Nothing is charged upfront. Each cycle has its own short agreement and a 5-business-day cancellation window. We mail the approved letters by certified mail, keep the receipt, and charge 3 days after that cycle's mailing. The client can stop after any cycle.
We do not promise score increases, deletions, or loan approval. No one should promise those things to a client, including our partners.
Partner pay
$50 after the first paid cycle, $50 more if they stay for a second
A cycle is paid in full when the 5-business-day cancellation window has closed, that cycle's letters have been mailed, the $199 has cleared, and there is no open refund or chargeback. You can earn up to $100 per client: $50 after the first paid cycle, and $50 after the second.
| When | What you earn |
|---|---|
| The client signs up, or cancels inside the 5-business-day window | Nothing |
| The first cycle is paid in full | $50 |
| The second cycle is paid in full the same way | Another $50, for a total of $100 |
| After that | No further referral fees on that client |
A few plain rules:
- The client pays the same $199 per cycle as everyone else. Your fee comes out of our pocket, not theirs.
- We pay once a month, by the 15th, by direct deposit or check. The minimum payout is $50, so one earned fee is enough. We send a 1099 if we pay you $600 or more in a year.
- You need a signed partner agreement and a W-9 before we can pay you.
- Your employer or sponsoring lender has to allow the fee. Many lenders do not. That is their rule, and we will not work around it.
- We do not pay Fresh Start's owners, or people who work at their other companies.
- We do not pay anything for sending a person back to a lender, and we do not pay anything when a loan closes.
The process
A unique link, then we handle the rest
Apply
Tell us who you are, who you work for, and that your employer allows the fee. We review applications before we approve them.
Get your link
Once you are approved, you receive a unique Fresh Start link or partner code, and a short agreement to sign.
Point the person to us
Give them your unique link, or an approved flyer or email. Use only approved Fresh Start materials. Tell them, at that moment, that you may be paid a referral fee if they become a paying client, that they pay no extra amount, and that they are free to use Fresh Start, another company, or no company.
We take it from there
They complete intake themselves, read their rights, and sign with us. You do not collect money, and you do not sign them up yourself.
Optional updates
If the client gives written consent, we can email you high-level status only — for example, that they enrolled, that letters were mailed, or that a cycle was billed. We will not share credit reports, scores, or dispute details.
Guardrails
What we need from you
- Use only your unique link and the materials we approve.
- Disclose the referral fee when you make the referral.
- Do not promise results, deletions, a target score, a timeline, or that the person will qualify for a mortgage or a better rate.
- Do not tell anyone that using Fresh Start is required to apply for or close a loan.
- Do not collect a fee from the client, and do not put their credit report or loan file into our systems — they apply themselves.
- Only refer people who live in a state we serve. Our site already stops applications from states we cannot serve, including Georgia and Oregon.
- Do not tie this fee, even informally, to a loan closing.
If that sounds strict, it is on purpose. We would rather have a smaller program that stays inside the law than a louder one that does not.
Questions
Common questions
Do I have to have a website?
No. Your unique link is enough. You can send it by email or text, or put it on an approved flyer.
When do I actually get paid?
After the cycle is paid in full: the client's 5-business-day cancellation window has closed, that cycle's certified letters have gone out, the $199 has cleared, and there is no open refund or chargeback. Not at signup. We pay once a month, by the 15th, with a $50 minimum.
What if the client cancels after one cycle?
You keep the first $50. You do not earn the second $50.
Can I see how the client's credit is doing?
Only if the client says we may send you high-level status. Even then, you will not see their reports, scores, or the items being disputed.
Can I get paid when their mortgage closes?
No. This fee is only for the credit-repair referral. Fresh Start does not pay, and does not accept pay, for mortgage referrals.
I work at a mortgage company. Is this allowed?
Only if your employer or sponsoring lender says it is. Ask them first. Written permission is required. If you are not sure, do not apply yet. Many lenders do not allow this fee, and we will not work around that.
Which states can I refer?
The client has to live in a state we currently serve. Now serving residents of Alabama, Alaska, Arizona, Hawaii, Kentucky, Michigan, Missouri, Montana, New Jersey, New Mexico, North Dakota, Pennsylvania, Rhode Island, South Dakota, Vermont and Wyoming. Arkansas, Connecticut, Florida, Massachusetts, New Hampshire, New York and Washington are coming soon. We cannot serve Georgia or Oregon residents. We will also give approved partners the current list. Partners themselves may live in any state.
Is there a cost to join?
No.
Apply
Apply to become a partner
We review every application. An application is not approval, and it is not a referral link. A written partner agreement and employer permission are required before you refer anyone.
Partner signup opening soon — call (314) 334-8835 or email sales@freshstartcreditcompany.com
Fresh Start Credit Company LLC is a credit-repair company, not a lender. A referral to Fresh Start is optional and is not required to apply for any loan. We do not promise results. Partners are independent and are not Fresh Start employees.