FIX YOUR CREDIT AND PROTECT YOUR FUTURE
Don’t let credit problems get you down, we can fix your credit and financial situation
WHY CHOOSE US?
Transparency
We are a reliable credit repair company and provide a full and transparent contract to all clients. We strategize with you exactly how we plan to help fix your credit score.
Good ratings
We provide efficient third-party information, testimonials, and reviews outside our own site that validate the credibility of our prospective customers.
No Pressure
We are a legitimate credit repair company, we would like for you to be comfortable with the services we offer therefore we do not pressure you to make a decision about signing up. We value your right to choose us.
FREE CONSULTATION
With us you will never go wrong, a low credit score can keep you from the things you want; we also understand that a low credit score can impact a lot more than just financing. For these reasons, we are dedicated to creditworthiness and excellence.
Our value added services alongside diverse credit experience will help you take the best financial step towards your desired future. Call us today for your credit and debt counseling solutions, and let our experience save you time, money, and frustration! (205) 441-7833
HOW DOES CREDIT REPAIR WORK
The objective of credit repair is to audit your credit report and remove errors by disputing them. Here are the basic steps we take to repair your credit:
Credit Report Analysis
We obtain your credit report and create a plan focused on the questionable negative items affecting your credit score.
The Dispute Process
Our team will send the appropriate correspondence to dispute and challenge the inaccurate items on your behalf.
Dispute escalation
We will continue to dispute negative items that require additional correspondence to ensure your credit is represented in a fair, accurate, and substantiated manner.
Credit Monitoring
Through our online portal and app, we offer 24/7 access to your credit score report to help you reach your credit goals.
WHO WE ARE
Shuntel The Credit Diva
At ST Fresh Start, we help you build a solid financial future by analyzing all three credit reports. By clearing your poor score and bringing you back on the right track with good credit. Poor credit is not a life sentence, and should not affect your future. For this reason we don’t leave any stone unturned. Let’s make your good credit our joint goal
We are experts at:
- Fixing your credit reports
- Disputing credit report
- Restore your credit profile
- Identify theft
UNDERSTANDING YOUR CREDIT RIGHTS
The Fair Credit Reporting Act (FCRA) plays an important role in credit repair. FCRA laws protect consumers by governing credit bureaus and furnishers like creditors and financial institutions. FCRA includes the following laws and rights:
1
Credit bureaus are required to provide one free credit report every 12 months.
2
Credit bureaus are required to verify the accuracy of the information listed on the report.
3
Creditors and financial institutions are required to only report accurate and complete consumer information.
4
Consumers are allowed to challenge any incorrect and incomplete items listed on their report.
5
Consumers may seek damages from the credit bureaus and furnished violating the FCRA.
6
Consumers maylimit who can access their credit reports.
7
Consumers may inquire if their credit report is being used against them financially.
HOW MUCH DOES CREDIT REPAIR COST
The costs associated with credit repair services will vary depending on the company you choose to work with and your credit situation. Some companies may require you to pay a one-time flat-rate fee, pay per derogatory mark or charge monthly installments. While some consumers need only a few errors disputed, others may require more in-depth credit repair services.
Credit repair companies cannot charge you for services that have not been delivered. Also, the contract should outline your right to cancel without penalty- although you may be charged for any unpaid fees.
LISTEN TO OUR CLIENTS
It’s always our joy to see you enjoy the financial freedom you deserve. We have been able to help over 130 families with their credit scores in the past two years. We love helping people to be financially sufficient. Let’s fix your Credit!
OUR SUCCESS STORIES
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LEARN TO DO IT YOURSELF CREDIT REPAIR
- How to Challenge an Inaccurate Item on Your Credit Report
- How Credit Report Errors Occur
- Accurate Negative Items on Your Credit Report
- Gather Supporting Documentation
- Write a Credit Challenge Letter
CHANGING LIVES WITH UPDATED FINANCIAL HEALTHY CREDIT REPAIR COURSES
How to Build a Strong Credit Report and Score
This course will teach you how to build a strong credit score and maintain healthy credit.
$19
$89
How To Build Over 100K In Business Credit In 6 Months
In this Ebook you will learn how to build strong business credit using your EIN.
$59
$129
Money Management & Credit Matters Mini Course
This course will teach your teen how to manage money and maintain healthy credit.
$19
$89
CHANGING LIVES BY IMPROVING YOUR FINANCIAL HEALTH
ST Fresh Start Financial Solutions