Credit confidence starts here
Your Credit.
Your Comeback.
Personalized credit repair support built to help you understand your report, challenge inaccurate items, and move toward the approvals and opportunities you deserve.
Credit confidence starts here
Your Credit.
Your Comeback.
Personalized credit repair support built to help you understand your report, challenge inaccurate items, and move toward the approvals and opportunities you deserve.
3Bureaus
Experian, Equifax, and TransUnion—every round
90-Day
A structured program with strategic dispute rounds
3Certs
Professional credit consulting credentials held and current
1:1Support
Personalized guidance built around your unique credit file
Why Choose Fresh Start
Stop getting denied.
Start moving forward.
Every credit profile is different. Your plan should be too. Fresh Start combines professional training, a clear process, and personal support to help you take the next right step.
01
Board Certified
Work with a trained professional—not a faceless social media page.
02
3-Bureau Disputes
Inaccurate, incomplete, and unverifiable items are challenged across all three bureaus.
01
Board Certified
Work with a trained professional—not a faceless social media page.
02
3-Bureau Disputes
Inaccurate, incomplete, and unverifiable items are challenged across all three bureaus.
03
Real-Time Monitoring
Track changes to your credit file through required SmartCredit three-bureau monitoring.
04
Personal Support
Your file, your goals, and a strategy designed for your unique situation.
03
Real-Time Monitoring
Track changes to your credit file through required three-bureau monitoring.
04
Personal Support
Your file, your goals, and a strategy designed for your unique situation.
The Reality
Tired of hearing “no”?
Bad credit can quietly block the life you are working hard to build. You do not have to stay confused about what is on your report or what to do next.
Apartment applications keep coming back denied.
Car notes and deposits cost more than they should.
You hesitate to apply because you already expect the answer.
Your goals feel close—but your credit keeps getting in the way.
What We Challenge
If It’s Damaging Your Credit,
We Help Dispute It
Inaccurate negative items on your credit report shouldn’t remain without being properly
reviewed and disputed.
Collections
Late Payments
Charge-Offs
Bankruptcies
Medical Bills
Repossessions
Foreclosures
Judgments
Hard Inquiries
Public Records
Student Loans
Child Support
The Process
Four steps to your fresh start.
Simple, transparent, and designed to keep you informed.
Step 1
Choose Your Plan
Select the support that fits your current credit and banking goals.
Step 2
Activate Monitoring
Set up the required SmartCredit three-bureau credit monitoring service.
Step 3
Complete Onboarding
Securely submit your identification and proof-of-address documents.
Step 4
We Work Your File
Your report is analyzed and appropriate dispute rounds are prepared.
Step 1
Choose Your Plan
Select the support that fits your current credit and banking goals.
Step 2
Activate Monitoring
Set up the required three-bureau credit monitoring service.
Step 3
Complete Onboarding
Securely submit your identification and proof-of-address documents.
Step 4
We Work Your File
Your report is analyzed and appropriate dispute rounds are prepared.
Before We Start
Government-issued ID
Proof of address within 30 day
Social Security card or SSN
Active credit monitoring
Investment
Choose your Fresh Start.
Professional options for hands-on support, banking recovery, or a confident do-it-yourself approach.
Two ways to work with us—choose the level of access and speed that fits how fast you want to move.
Credit Repair Packages
Specialty Packages
ChexSystem Plan
A focused banking reset for clients seeking a path back to approved checking accounts.
Previously $899
$425
One-time investment
ChexSystems report analysis
Custom dispute strategy
Bank account readiness review
Negative balance support
Personalized action plan
14 days of dedicated service
Buy Now, Pay Later: Klarna, Afterpay, Sezzle, Cash App Pay, and Amazon Pay available.
DIY Dispute Letter Kit
Templates and guidance for taking action on your own timeline.
Previously $99
$59
One-time investment
Three-bureau dispute templates
Round-two follow-up template
Step-by-step instructions
Mailing and tracking guidance
Digital instant access
Buy Now, Pay Later: Klarna, Afterpay, Sezzle, Cash App Pay, and Amazon Pay available.
FAQs
Everything You Need to Know
Find answers to common questions about our services, process, credit monitoring, timelines, and getting started with Fresh Start Credit Repair.
What happens on the consultation call?
We will discuss your goals, the types of negative items you believe are reporting, and which Fresh Start option may be appropriate. It is an informational conversation with no obligation.
Why is credit monitoring required?
Three-bureau monitoring provides access to the report data needed to analyze your file and track changes. The monitoring subscription is separate from your Fresh Start service fee.
How soon will I see results?
Timelines and outcomes vary. Credit bureaus and data furnishers generally need time to investigate disputes, and no specific score increase or deletion can be promised.
Can accurate information be removed?
Accurate, current, and verifiable information cannot lawfully be removed simply because it is negative. We focus on information that may be inaccurate, incomplete, outdated, or unverifiable.
What do I need to get started?
No — and neither can anyone else. We challenge items that are inaccurate, incomplete, or unverifiable under consumer protection law. Accurate, current, and verifiable information stays on your report.
Still Have Questions After Reading the FAQs?
Use the consultation only when the program FAQs do not answer your direct question.
Client Results
Real people.Real progress.
Fresh Start clients have moved closer to new homes, better vehicles, stronger scores, and more financial confidence.
Results shown reflect individual client experiences and are not typical or guaranteed. Results vary based on each consumer’s credit profile, participation, and the responses of data furnishers and credit bureaus.
Credentials
Certified.Trained.Trusted.
Fresh Start clients have moved closer to new homes, better vehicles, stronger scores, and more financial confidence.
Board Certified Credit Consultant
Certified Credit Repair Specialist
Certified Credit Score Consultant
Meet Your Credit Consultant
Quonesha Walters Johnson
Board Certified Credit Consultant · Fresh Start Credit Repair
Fresh Start Credit Repair was built with one goal in mind—to help individuals and families take control of their credit and create better financial opportunities. Our process is designed to provide personalized guidance, strategic credit dispute services, and dedicated support every step of the way.
With years of industry experience and a commitment to helping clients achieve lasting results, we combine proven credit repair strategies with one-on-one support to help you move forward with clarity and confidence.
FRESH START
CREDIT REPAIR
Professional credit repair support designed to help you understand your file and move forward with confidence.
© 2026 Fresh Start Credit Repair. All rights reserved. You have the right to dispute inaccurate information in your credit report directly with the credit bureaus at no cost. You may cancel a covered credit repair contract without penalty within three business days of signing. Fresh Start Credit Repair does not guarantee any specific outcome, deletion, or score increase, and cannot lawfully remove accurate, current, and verifiable information.