Step 2 of 4

Fresh Start Monitoring (SmartCredit co-brand)

This is the monitoring signup step. You pay SmartCredit $39.99 today, then $39.99 a month until you cancel with SmartCredit. Fresh Start never bills monitoring and does not receive that payment from you. About part of each monthly fee is paid by SmartCredit to Fresh Start; you do not have to use monitoring to enroll in repair.

Co-brand URL placeholder — not a live signup link yet. When ConsumerDirect issues the Fresh Start co-brand page, it will be a link such as https://smartcredit.com/freshstartcreditco. That official link is not issued yet. Do not enter a card on this website for monitoring.

Until that URL is in place, use free reports from AnnualCreditReport.com and continue to enrollment. Do not enter a card on this website for monitoring — SmartCredit, not Fresh Start, bills the $39.99.

I have a report — continue to enrollment

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.

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