Did you know ...

… that over 30 million American consumers have what is considered by the three major credit reporting services to be “poor” or “extremely poor” credit – and that the number is expected to rise by some estimates by as many as 2 million more people in 2008?

… that the three major credit reporting services are required by law to address any consumer inquiries regarding negative reports or “black marks” on a credit report they have issued?

… that a black mark on your credit – such as a bankruptcy, foreclosure, judgments, even late car, mortgage or credit card payments – can remain on your credit report, and effect your credit score, for seven years or more?

… that total outstanding consumer credit in the United States was over $2.170 trillion in April of 2006, and rose by an average of over $3 billion per month for the rest of the year?

… by some estimates, over 20% of the negative reports sent to the three major credit reporting services about American consumers by creditors are flawed, or inaccurate?

… that you can challenge and, in some cases, expunge, virtually any negative report a creditor has made about you?

… that the Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months?

The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. The site is www.annualcredit
report.com, and the toll free phone number is 1-877-322-8228.

… under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report.

… that the credit reporting services are not required to verify any information submitted to them by your creditors about you before using that information in a way that can adversely affect your credit score?

…… that your credit score can be raised 50, 100 points or even more? Call us to find out how!

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Getting a copy of your credit report is really the first step in working on the road to credit recovery. The Fair and Accurate Credit Transactions (FACT) Act allows you to look at your own report and then determine where inaccuracies lie. You then have the power to dispute what’s on your report.

There are two pathways you can choose to get the information on your report corrected.
  1. You may want to contact the credit bureau directly.

  2. You may opt to contact your creditor instead because they’re the ones who actually provide the information.
To contact your credit bureau, there are two ways you can submit an investigation request.
  • The first is through the form provided by the credit bureau. This form usually comes with your copy of your credit report. It’s also available for download on the bureau website.

  • You can also dispute the incorrect information directly online. This is a convenient way to do it, but it’s not always the best way. It’s better to have your request in writing for your own documentation purposes.
You can also dispute information with your actual creditor. The best way to do this is by sending a letter.

If the credit bureau doesn’t respond to your request or finds that the information is accurate, the may not correct your report. In this case, you need to file a complaint with the Federal Trade Commission. You should explain the situation and what you to try to resolve it.

If you continue to be unable to get your credit report corrected, you’re entitled to pursue legal action. For this you’ll need to hire legal representation. This can also be a costly pursuit, so you should make sure it’s worth your energy and your money before you actually file a lawsuit. You’ll need to look for a Consumer Law Attorney to handle your case. You can get some referrals from the National Association of Consumer Advocates.

While most folks tend to focus on getting negative information removed from their credit report, there may be positive information that’s missing. It’s just as important that you get that added on to raise your credit score. There are several things you should think about when you’re deciding what needs to be added. If you have any loans that had positive payment history, then you should get them added. You may also want to add information about disputes you have with any debts on your credit report.


And get on with your life!

Lifetime Credit Repair Support-Guaranteed!*

The fact that you are here visiting this website probably means that you have some concerns about your credit rating. Trust me on this, you are not alone. Millions of Americans today are in exactly the same boat you are. Maybe you have been turned down for a mortgage, or a car loan, or a credit card due to something that happened years ago. Maybe you took advantage of one of those free credit report services and were shocked to find that your credit rating was far lower than you thought it was. Whatever the circumstances were – however it was that you found out something was wrong – the fact that you are here means that you have experienced a problem with your credit, and that you are looking to do something about it.

You’re looking to make a fresh start!

That’s what we are here for. There are many reasons that people in the United States currently suffer from bad credit. People lose their jobs, and simply have no way to keep up with their bills for an extended period of time. Sometimes, people get into extended debt and the resulting credit trouble as the result of an illness, or the death of the primary wage earner. Other times, people simply over extend themselves on their mortgages, or credit cards, or even student loans without even realizing that they are getting in over their head at the time. And, increasingly, people are finding that their credit scores are far lower then they should be through no fault of their own, but rather as the result of identity theft – one of the fastest growing crimes in the United States.

Whatever the reason for the problem, it is important for you to remember three things. First, as I said right at the beginning, you are not alone – there are literally millions of people in this country in exactly the same position you are. The second thing you need to remember is that having bad credit does not make you a bad person. Bad things happen to good people every day and bad credit shouldn’t make you feel that you deserve anything less than anyone else. The third thing I want you to remember – the most important thing – is that just because you have poor credit now does not mean that you will have to always have bad credit.

There is something you can do about it!

How do I know this? Well, for over 15 years, I have been a mortgage broker – helping people arrange financing for buying new homes. You would be amazed at how many of my customers are/were turned down for mortgages because of a poor credit rating – a poor credit rating that in a lot of cases they had absolutely no idea they even had! Over the years, to help my customers arrange their financing and get the homes of their dreams, I learned how to help them repair their credit and I found out that not only can it be done – but that it almost always works. It doesn’t matter if it was caused by late payments on credit cards or car loans, repossession, debt default, civil judgments, foreclosures, even bankruptcies – it is possible to get virtually any black mark erased from your credit report with all three major credit reporting agencies and raise your credit score 50, 100, even 200 points. There is nothing illegal about it at all – nothing shady or underhanded – it is just a matter of knowing what it is that you have to do, and how to do it.

But the bottom line is that it is possible to legally repair your credit!

That’s the good news. The bad news is, they don’t make it easy for you to do. On the contrary, the three major credit reporting services – Equifax, TransUnion, and Experian – make it very complicated to alter your credit score. Oh, not for your creditors – for them, they make things very easy, but after all, that’s who the credit reporting services work for. Them, not you. All they have to do is send in a bad report on you and, Boom! There it is on your credit report for seven years or longer unless you know how to get rid of it. By some estimates, 25% of the negative marks carried by these credit reporting agencies are inaccurate, incorrect or should never have been put there in the first place. Why? Because these services do not check the negative reports they receive. Why? Because they don’t have to.

In a very real sense, the odds are stacked against the ordinary consumer, like you and me. To the credit reporting agencies, we are simply names and social security numbers, and the information they receive about us from the companies that pay their bills they accept completely and without question. They don’t care about accuracy – or what the impact negative information can have to our hopes for a better life for ourselves and our families – that’s not their business. Their business is developing a credit score for you based on the information they receive – whatever that information is. It is up to you to look at that credit score, and get it to where you want it to be.

Still, the good news remains as I stated it before: it is possible to repair your bad credit rating. And that’s why A Fresh Start is in business – to help you do just that. I want to help you repair your bad credit, just like I have helped hundreds of other people repair theirs. I want to help you get back on track with your financial future, and give you the opportunity to get the house, or the car, that you deserve. Remember – bad things happen to good people, but that isn’t all there is to it. Good things happen to good people as well, and I want to see something good happen to you.

And now I am going to tell you something that may shock you – and something that I am almost certain that you have never seen on any website or heard in any advertising regarding credit repair.

I can’t do anything for you that you can’t do for yourself.

It will take time, and study, and patience, and in some cases you may need to get a lawyer, but anything I can do for you, you can do for yourself. But remember what I said earlier – they don’t make it easy. It can literally take years to repair your credit, if you don’t know what you are doing, and possible legal fees and other costs can be expensive.

Let me make one last point. I am not a credit counselor, and I am not – and do not work with – a bankruptcy attorney. You have probably seen both of those services advertised on late night TV or in your favorite magazines or on your favorite websites. They are everywhere these days. They tell you they can get creditors off your back, and they tell you that they can reduce your payments, and that’s all well and good. But the truth is, not only do those services not repair your credit, they damage your credit more than it is already damaged.

My business is credit repair. My job is to raise your credit score. My goal is to help you take back control of your credit life and reap the benefits you deserve from a good credit rating. So give me a call today Toll-Free at 1-866-629-1647, and let’s see what we can do together. You really have nothing to lose.

Vincent Craven, CEO
A Fresh Start

P.S. You are NOT alone! Bad things happen to good people. Call me toll-free at 1-866-629-1647 today to help you fix your credit and get on with your life. Don’t let fear and embarrassment hold you back.
Take advantage of my FREE consultation and credit report assessment.

“My credit rating was in the 500’s I tried a couple credit repair services that said they could get it raised in less than 30 days, but none of them worked. Then I went to A Fresh Start — and it took a while, but now my FICO score is over 700 and that’s where it’s going to stay!”
— Bill G.,
Tyler, TX

“After my divorce and finding out how much credit trouble my ex-husband had gotten me into I couldn’t even get a credit card — much less qualify for a home loan. Vincent Craven changed that and got my credit rating up to the point where I could qualify for a $100,000 mortgage.”
—Sharon S., Wallingford, PA

“I had heard about identity theft, of course, but I never thought it could happen to me. Well it could, and it did, and I couldn’t get any of the credit reporting services to listen to me. Finally I found A Fresh Start and, I don’t know how they did it, but my credit rating is back to where it should be!”
— Phyllis J.,
Ocala, FL

“I saw A Fresh Start’s ad, went to their website, and called for one of their free do-it-yourself credit repair kits. I guess that there are some folks who can do it, but it took me just about 15 minutes to realize that I didn’t have the time, or the know-how to get it done. I would recommend that anybody who needs credit repair get in touch with Vincent Craven. It sure beats hitting your head against a wall!”
—Jack S., San Diego, CA

“When I got laid off from my job, I got behind on some credit cards, and my car payment – I even had a judgment against me. I was afraid that I would have to wait seven years or maybe even longer to get my credit back on track. Then I found Vincent Craven and he raised my score over 100 points in just a few months. Thanks, Vinnie!”
—Paul W.,
Lake Havasu, AZ

“I didn’t even know that I had bad credit until I was turned down for a car loan. I had just been married, and my new wife and I were planning to buy our first home – so I knew I needed help. Thank God for Vincent! He found the problem and fixed it, and we moved in last March!”
—Charles H., Villanova, PA

“At first I was leery about paying someone to help me repair my credit score. But when I started looking into it, I found that just the legal fees would have cost me more than A Fresh Start’s processing fee considering the judgments I had against me. I don’t know how they can afford to do it for the price, but I am so thankful that they did. Don’t be afraid to call them. It’s never too late.”
—Laura L.,
Oconomowoc, WI

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‘A Fresh Start’
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The FTC advises that only time, a conscious effort, and a personal debt repayment plan can improve your credit report. The first step is to learn what information is in your credit report. If you find errors or mistakes, federal law gives you the right to have them corrected – free of charge. Under State and Federal Law: You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau.

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  • We will provide you with two copies of our written contract that explicitly outlines the services we’ll provide as well as what processing fees will cost.

  • You have three business days to change your mind and opt out of the contract.

  • During the opt out period, A Fresh Start will not provide services or incur any cost on your behalf.

  • A Fresh Start advises you of all the Consumer Credit File Rights under State and Federal Law that tells you exactly what activities are legal and illegal when it comes to credit repair.

  • A Fresh Start will only charge a one-time processing fee to cover filing fees and any legal expenses to conduct the credit repair all other services outlined in your contract will be provided at no charge.

  • A Fresh Start will never coerce or even suggest that you consider changing your accurate information nor will we provide you with a new type of credit identity

  • A Fresh Start guarantees lifetime support and servicing for all existing credit report situations that we have repaired*

Call (866) 629-1647 Today!
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A Fresh Start
1554 Paoli Pike
#330 Goshen Village
West Chester, PA 19380

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