Fresh Start is an online company offering credit repair services for a monthly fee. Fresh Start works with creditors and reporting bureaus to have qualifying negative items removed, settle accounts and much more. The company offers a free consultation to new members and has a 90-day refund guarantee. These are some important considerations to address before hiring Fresh Start.
Fresh Start Company Reputation
This company is not accredited with the Better Business Bureau. However, Fresh Start does maintain an A rating from the BBB. The majority of reviews around the web regarding the company’s business practices are positive. Refunds are generally issued as stated, the terms are explained and the customer’s rights are stated before any contracts are signed. These are all key elements of a legitimate credit repair company.
Fresh Start Customer Service Reviews
Most reviews about the company’s customer service are positive. It appears that there is only one complaint on Ripoff Report, and the accusation stated that the company misappropriated financial information and debited a customer’s account incorrectly. Most people report prompt responses to their electronic inquiries with Fresh Start, and many customers rate their experiences with representatives positively.
Fresh Start Credit Repair Pros
The main advantage of this service is having a better credit history report. However, one advantage that sets the company apart from some competitors is its extensive education program. When you sign up for services, part of your monthly fee pays for counseling and education about how to manage money, guard your credit and understand your credit rights. Also, the company does the major work for you. The agents who help you will teach you how to do several important tasks in the future.
Fresh Start Credit Repair Cons
One major disadvantage about this company is its lack of professional attorneys on staff. Many credit repair companies advertise with that benefit, and it can be helpful to have attorneys handling complex issues. In some instances, it may be necessary. Another disadvantage is the cost of services. The company offers more than one plan, and pricing varies between $79 monthly and $139 monthly. Also, there are upfront fees for initial services in addition to the monthly costs.
Is Fresh Start The Right Choice?
For those who require long-term credit repair services, this company may be an ideal choice. It is not the best choice for people whose credit issues may require some legal work to fix. If you want to settle debts and remove a few negative items, this service may be the right answer. The pricing plans are reasonable. However, some competitors offer slightly lower prices but not the same dedicated services and extensive credit education.
Always compare a few different companies before choosing one. Read third-party reviews, and be sure that the company is legitimate. There are many illegitimate companies and scams. Also, be sure that the company follows the Credit Repair Organizations Act in its business practices and disclosure of rights.