My Blog About Credit!

Hello my name is Tanya! I am the owner of Fresh Start Financial! Its been 6 1/2 years since I started my company. I've learned so much over the years and became an expert in repairing and restoring personal and business credit! With12 yrs plus experience in collections, and an associates degree in business and accounting, this industry was honestly perfect for me. I love educating and helping people! 


Credit is so crazy! So my goal is to help you understand it in a easy and successful way!

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About Us

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Why Repair Credit?

Your credit score comes from your credit report--essentially your spending and repayment report card. Credit reports often aren’t correct, and incorrect information can hurt your score. We make sure that your credit report contains correct information so you’ll have the highest score possible.

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How It Works

Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most. 

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Why Us?

Credit is our passion. We understand how important your credit is for your future and we will work tirelessly to

make sure we are able to help you achieve your financial goals. Did you know low credit scores can keep you from the things you want and a low credit score can impact a lot more than just financing? The credit system is flawed, and nearly 80% of all reports have errors that can lower your score. As a consumer you have rights and we know how to use them to your benefit! The law gives you the right to dispute any item on your credit reports. So the best thing you can do for your future is call us today and let our experience save you time, money, and frustration!

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Disclaimers & Refund Policy

Credit Repair Disclaimers

Credit Sweep & Inquiry Sweep Refund Policy:


What is your refund policy? 

EVERY credit report that we work on has improvement! If we do not produce results, then we have no business accepting your money. We guarantee your credit score will improve otherwise we will refund your money. 



Disclaimer: If you have a new derogatory account, run up your credit card balances over 30%, miss a payment, and/or have multiple new credit inquiries, we can see this and it will cause a reduction in your credit score, ultimately undoing all of the progress we made. Don’t do that to yourself! 


 


ALL SALES ARE CONSIDERED FINAL


If you initiate a Dispute/Chargeback without sequentially completing the three step process above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and that 200% of the Full Amount of the Disputed Transaction(s) will become immediately due and payable to us as Liquidated Damages. If you then fail to pay the Liquidated Damages owed within 14 Calendar Days, your Account will be turned over to Collections and immediately reported to all 3 Credit Bureaus as a Collection Account.



Tradelines will show as “Open” for 30 to 60 Days, after which they will still stay on your Credit Report as “Closed” Accounts, which still has a large positive effect on your Credit History and Scores. Most Tradelines will stay on FOREVER on your Credit Reports, or at the very least for many years, however, we cannot guarantee the exact amount of time they will show on your Credit Reports.



When you purchase Seasoned Tradelines from us, you are purchasing Real Authorized User Accounts and WE GUARANTEE that each Tradeline will:




A: Have a Perfect Payment History. Always Paid on Time. Never Late.

B: Have at least the specified Age and Credit Limit. 


C: Have a Balance that does not exceed 20% of the Credit Limit. 


D: Will post to all 3 Credit Bureaus (Experian, Equifax, and TransUnion) no later than 14 Calendar Days after the specified Reporting Date. 


E: Will increase your Credit Scores.


In the event any Tradeline purchased does not live up to one or more of the Guarantees explained above, then we will provide you with a Replacement Tradeline of similar Credit Limit and Age with the closest Next Reporting Date possible until such Replacement Tradeline posts successfully to your Credit. 


In the event you purchased a Tradeline with a particularly High Credit Limit or Old Age, and it needs to be replaced, then we reserve the right to replace it with one or more Tradelines that add-up to the particular Age and/or Credit Limit of the original Tradeline. 


REPORTING DATES FOR TRADELINES ARE "BEST EFFORTS" - THEY CANNOT BE GUARANTEED 100%.

IF YOUR TRADELINE NEEDS TO BE REPLACED BECAUSE IT FAILED TO POST, THEN YOUR REPORTING DATE WILL MOST LIKELY BE DELAYED. WHEN YOU PURCHASE TRADELINES YOU MUST PLAN FOR THE POSSIBILITY OF YOUR REPORTING DATE BEING CHANGED IN THE EVENT THE TRADELINE NEEDS TO BE REPLACED.

If for some unknown reason your Tradeline fails to post to only 1 of the 3 Credit Bureaus, then you may request a Pro-Rated Store Credit (NOT a Cash Refund nor Tradeline Replacement) as follows: Failed to Post to 1 Credit Bureau: 33% Pro-Rated Store Credit. Failed to Post to 2 Credit Bureaus: 66% Pro-Rated Store Credit.


Tradelines will show as “Open” for 30 to 60 Days, after which they will still stay on your Credit Report as “Closed” Accounts, which still has a large positive effect on your Credit History and Scores. Most Tradelines will stay on FOREVER on your Credit Reports, or at the very least for many years, however, we cannot guarantee the exact amount of time they will show on your Credit Reports.

ALL SALES ARE CONSIDERED FINAL AND NON-REFUNDABLE.
THERE ARE NO CASH REFUNDS – 





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Contact Us

Free Consultation

We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a fresh start with personal credit and debt counseling.

Fresh Start Financial Inc

New Orleans, Louisiana, United States

Office : (504) 577-2434 Cell: ( 281) 644-9751 Monday - Friday 10:30 A.M. -5:00 P.M. Saturday 1:00pm - 6:00 P.M. Sunday & After 5:00 P.M. TEXT ONLY 281-644-9751

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