You and Your Credit

Most people are searching for credit repair services because they are aware of how a negative credit standing can affect your overall quality of life. At Fresh Start we can help you to better understand why it is important to remove derogatory, unsubstantiated, and incorrect information from your credit report. Here is an example of what we have found in our credit experience:



Eighty two percent (82%) of all credit reports contain serious errors. Sixty one percent (61%) of credit reports have at least one account-type error. Twenty (20%) percent of consumers are at risk of being misclassified as sub-prime. Eighty-three percent (83%) of credit reports show a balance discrepancy. Thirty-three percent (33%) of reports are missing positive information, such as mortgage accounts in good-standing. Twenty-two percent (22%) of credit reports have the same loan documented twice. Twenty-nine percent (29%) of credit reports contain errors serious enough to cause a complete denial of a line of credit. Lastly, forty-four percent (44%) of credit reports contain inaccurate information related to late payments.



Good credit allows you financial freedom to do the things you've always wanted to do. If you have ever been denied credit or been offered outrageous interest rates on loans, you understand that good credit can improve your overall financial outlook. Please allow our consultants to help guide you in the right direction to improve your credit score, thus allowing you to obtain better interest rates and most importantly, provide you with more credit options!