Bad credit costs you $93,000.
We dispute it — one flat rate, all 3 bureaus.
Every negative item on your report is costing you higher rates on mortgages, auto loans, and credit cards. We dispute inaccurate items with all 3 bureaus using federal law. One flat rate covers everything — up to 5 dispute rounds, all 3 bureaus. No monthly fees.
$1500
Flat Rate
5
Dispute Rounds
3
Bureaus Covered
$0
Upfront Fees
Meet the Founder
"I filed bankruptcy. I rebuilt everything. Now I help people do the same."
Noel Verdejo lost his home in 2007. He hit rock bottom. He rebuilt his credit, built a business, and now leads a team that has helped hundreds of people drive off lots with the cars they thought they'd never qualify for.
No national chain has this story. No algorithm replaces someone who's been where you are.
Get My Free Credit ReviewTestimonials
Real Clients. Real Results.
2025 Lincoln Navigator
"590 to the 780 club in 30 to 45 days"
2025 Cadillac Escalade
"I got a fresh start with a 2025 Escalade. Let's go!"
Brand New Rolls Royce
"I'm not the ghost anymore. Fresh Start does it again."
BMW in 30 Days
"My credit was terrible. 30 days later — new BMW."
2022 BMW 3 Series
"We got another one! Tomas picking up his new BMW"
Brand New 2021 Mercedes
"I was in a real tough spot. They got me in shape FAST"
Mercedes AMG
"It will change your life just like it changed mine"
New Jeep Compass
"Thank you Sean and Mike — hit them up!"
Dream Mercedes
"The car I really admire, the car of my dreams"
New Vehicle
"Come see these guys. I guarantee you will be happy"
Car Purchase
"So smooth, so easy — even during COVID"
BMW 4 Series
"The Real Credit Kings hooked me up!"
RAM 1500 Truck
"They fixed my credit and got me where I always wanted"
Fresh Start Family
"Noel, Mike, Sean — you guys are the BEST"
Your story
could be next.
Free credit review
Get StartedEvery month you wait costs you money.
A single collection drops your score 100+ points. That means higher interest rates on mortgages, auto loans, credit cards, and insurance. The difference between a 620 and a 740 score is $93,000 in extra mortgage interest alone. Those items won't remove themselves.
5 steps. 15 minutes to start. You never pay unless we deliver.
Free credit review, CROA-compliant contract, AI-powered disputes, 35-day investigation period, pay per confirmed deletion. That's the entire process.
Free credit review
15 min callWe analyze your report across all 3 bureaus. Identify every negative item — collections, charge-offs, late payments, inquiries, public records. No charge, no commitment.
Sign your CROA contract
Required by lawFederal law protects you. Our contract spells out exactly what we'll do, the flat rate cost, and your right to cancel within 3 business days.
We send dispute letters
FCRA § 611(a)AI-generated letters unique to YOUR situation. Every letter is different — bureaus can't pattern-match them. Sent to Experian, Equifax, and TransUnion.
Wait 35 days
Per roundBureaus have 30 days to investigate under federal law. We build in 5 extra days for mail time. You track progress in your client portal the entire time.
One flat rate. Done.
Flat rate$1500 covers everything — all 3 bureaus, up to 5 dispute rounds, AI-powered letters. No monthly fees, no surprise charges.
Why clients choose flat rate over monthly.
Most credit repair companies charge $99–$149/month whether they delete anything or not. We charge one flat rate for the full service — no surprises, no subscriptions.
CROA compliant
We operate under the Credit Repair Organizations Act. No advance fees. 3-day cancellation right. Your contract spells out every detail before you sign.
AI-powered disputes
Every dispute letter is unique — written by AI trained on federal consumer protection law. Bureaus cannot pattern-match what they have never seen.
No subscriptions
No monthly fees. No setup fees. No retainers. One flat rate covers the entire service. You know the cost upfront before you sign anything.
Template letters get dismissed. Ours don't.
AI generates a unique dispute for every item on every report. Bureaus have never seen it before.
Other companies charge $99–$149/month. We charge one flat rate.
One flat rate for the full service. All 3 bureaus, up to 5 dispute rounds, AI-powered letters. No monthly subscriptions. No surprise charges.
What the industry charges — monthly, regardless of results
Lexington Law
$140/mo
Whether they delete or not
Credit Saint
$140/mo
+ $195 setup fee
Sky Blue Credit
$119/mo
+ $79 setup fee
CreditRepair.com
$120/mo
12+ months typical
6 months at $140/mo = $840 paid regardless of results. With us, you pay one flat rate and know the cost upfront.
Full Credit Repair Service
$1500
one-time flat rate
Bankruptcy or foreclosure on your report? +$500 per item
- AI-powered unique dispute letters — never templates
- All 3 bureaus (Experian, Equifax, TransUnion)
- Up to 5 dispute rounds
- Score prediction AI
- Free education platform access
- One price covers everything — no surprises
Referred by a Partner?
Exclusive partner rates available
Real estate agents, auto dealers, loan officers, and brokers in Florida can refer their declined buyers to us at significantly reduced rates. Your clients get the same AI-powered service across all 3 bureaus — at a fraction of the standard price.
CROA compliant. Under federal law (15 U.S.C. § 1679), credit repair organizations must disclose your rights and honor a 3-day cancellation period. Our flat rate is disclosed upfront before you sign. Read your rights
What we dispute.
We challenge inaccurate, misleading, and unverifiable items across all 3 bureaus using FCRA, FDCPA, and Metro 2 compliance standards. See detailed dispute strategies for each item type
Not a template factory.
Most credit repair companies use the same template letters for every client. Bureaus recognize these instantly and dismiss them. Our system is different.
AI analyzes your full report
Identifies every negative item, estimates score impact, finds Metro 2 violations and FCRA issues.
Multiple dispute strategies, never the same twice
Each letter uses a different legal strategy based on your specific account — tailored to the violation, the bureau, and the creditor.
Score prediction
See projected score gains before we start. "Remove these 5 items → estimated +85 points."
Score Prediction
+85 pts possibleDispute Items
Badges Earned
Level 5 — Making Progress
You also get 8 financial tools worth $1,500. Included free.
Every credit repair client gets full access to our partner education platform — 95+ action steps across credit building, home buying, business structure, tax strategy, and more. No extra charge.
Credit Building
Step-by-step roadmap to build credit the right way — the foundation of everything we do here.
Home Buying
Readiness checklist for mortgage qualification — where credit repair meets your biggest goal.
Business Credit
Separate business credit profile from personal
Car Buying
Negotiate like a dealer, not a consumer
Business Structure
LLC, S-Corp, EIN — built for asset protection
Financial Literacy
Budgeting, saving, investing fundamentals
Tax Strategy
Resolve tax debt, build tax-advantaged income
Funding Access
Business loans, SBA, lines of credit
Your declined buyer is our next client. We send them back approved.
Denied for a mortgage? Subprime on a car loan? We dispute inaccurate items and work to build their score to 620+ or 660+. You track every client in your partner portal — live deletions, score changes, readiness alerts. Exclusive partner rates available. Starting with Florida dealers, brokers, and agents.
Real Estate Agents
Buyers denied for low credit? We build their score to 620+ (mortgage ready) and send them back to close.
Auto Dealerships
Subprime buyers become prime buyers. We push scores to 660+ (auto ready) and return them to your lot.
Loan Officers
Pre-qualify denied applicants for a credit improvement program. We handle it, you close the loan.
Your Partner Portal
Live dashboard. Score tracking. Deletion alerts. Automatic notifications when clients hit 620 or 660.
Questions before you start.
Is this legal?
Yes. The Credit Repair Organizations Act (15 U.S.C. § 1679) regulates and permits credit repair. You also have the right to dispute inaccurate items yourself for free — we bring the expertise, the AI, and the legal framework to do it effectively.
How fast will I see results?
Each round takes 35 days. Most clients see deletions within 2–3 rounds (70–120 days). We run up to 5 rounds total — and you only pay for confirmed deletions.
What if nothing gets deleted?
You pay $0. Per-deletion billing means no results = no charge. The risk is entirely on us.
Why not just pay $99/mo to a monthly service?
Because they get paid whether they delete anything or not. After 6 months at $149/mo, you've spent $894 regardless of results. With us, you pay one flat rate upfront — you know exactly what you're paying before you sign. No monthly drain on your bank account.
Can you guarantee a score increase?
No — and any company that promises specific results is breaking federal law (15 U.S.C. § 1679b). What we do is show you AI-powered score predictions before you start, so you know what's realistic.
Every month those items sit there, you're losing money.
Free credit review. We'll show you every item that can be challenged, the federal law backing each dispute, and your projected score improvement — before you commit to anything.