Website terms of use

This website gives general information about Fresh Start Credit Co.'s services. We are based in Arnold, Missouri and work with clients nationwide, subject to each state's rules. We cannot serve Georgia residents. This site is not legal or financial advice. Services are provided only under a signed cycle agreement, which controls if anything here differs.

Nothing on this site is a promise of any deletion, score change, loan approval, or timeline. Accurate, current, verifiable information cannot be removed from a credit report.

Any assistant on this site or in the client portal may make mistakes; a person reviews every item before any letter is sent. Don't enter your Social Security number, passwords, or identity-quiz answers in a public form or in chat.

You may not use this site to submit false information or information about another person without authority.

Missouri law governs these terms, along with applicable federal law and the law of the state where you live. Your rights under the Credit Repair Organizations Act and, where it applies, RSMo 407.635–407.644, can't be waived.

Cancellation and refunds

You can cancel any cycle agreement without penalty until midnight of the 3rd business day after you sign; no work starts, and no letters are mailed, before then. After that window, a cycle is complete when the letters you approved have been sent by certified mail with proof, and we charge that cycle's fee 3 calendar days after the mailing date. We email the invoice at mailing so you have those 3 days to review it; reply if anything looks wrong and we'll hold the charge while we review it. If you stop before we mail, you owe nothing for that cycle. If we billed in error, we refund it in full. Fresh Start Monitoring is billed by SmartCredit, separately from repair; cancel it with SmartCredit any time, with no charge after you cancel. The optional education app, if you subscribe, is cancelled in the app store or account where you enrolled. Cancelling repair does not cancel monitoring or the public app, and cancelling those does not cancel repair. See the cancellation notice.

Complaints

Email sales@freshstartcreditcompany.com with “Complaint” in the subject or tell us in person. We confirm receipt within 2 business days and answer in writing within 10 business days. You can also contact the Missouri Division of Finance, the Missouri Attorney General's Consumer Protection Unit, the consumer protection agency in your state, the Consumer Financial Protection Bureau, or the FTC at any time.