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Terms & Conditions

Last updated: October 25, 2026

1. Acceptance of Terms

By accessing or using the website freshstartfinancialgroup.com and the services provided by Fresh Start Financial Group LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Services

Fresh Start Financial Group LLC provides credit repair services, including analysis of credit reports, identification of inaccurate or unverifiable information, preparation and submission of dispute letters to credit bureaus and creditors, and monitoring of dispute results. Our services are provided in compliance with the Credit Repair Organizations Act (15 U.S.C. § 1679), the Telemarketing Sales Rule (16 CFR § 310), and the Florida Credit Services Organization Act (Fla. Stat. § 817.7001).

3. No Guarantees

We do not guarantee specific results. Credit repair outcomes vary based on individual credit history, the accuracy of information on your credit reports, and the responsiveness of credit bureaus and creditors. You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no charge.

4. Payment Terms

We operate on a per-deletion billing model. No fees are charged in advance of performance. Payment is due only after we have provided written confirmation that a negative item has been successfully deleted from one or more credit bureau reports. No monthly fees, setup fees, or retainer fees apply.

5. Right to Cancel

YOU HAVE THE RIGHT TO CANCEL YOUR CREDIT REPAIR AGREEMENT WITHOUT PENALTY OR OBLIGATION WITHIN 3 BUSINESS DAYS FROM THE DATE YOU SIGN IT.

To cancel, send written notice to Fresh Start Financial Group LLC at the contact information below or email us at [email protected]. If you cancel within the 3-day period, any payment made will be returned within 5 business days.

6. Your CROA Rights

Under the Credit Repair Organizations Act, you have the right to:

  • Dispute inaccurate information in your credit report by contacting the credit bureau directly
  • Obtain a copy of your credit report from a credit bureau
  • Receive a free copy of your credit report once every 12 months from each of the three nationwide credit bureaus at AnnualCreditReport.com
  • Sue a credit repair organization that violates the Credit Repair Organizations Act
  • Cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it

For a full statement of your rights, visit our CROA Rights page.

7. Account Registration and Authentication

When you create an account, you agree to provide accurate and complete information. We use a magic link (one-time password) authentication system to verify your identity. By registering and using our services, you acknowledge that:

  • Your information may be used for identity verification purposes
  • Your phone number may be used for authentication
  • A text message (SMS) may be sent to your mobile device if you are eligible for enrollment or authentication
  • Your identity information may be used to confirm your identity when accessing credit data

8. Credit Information Services

Our credit monitoring and reporting services are provided through MyFreeScoreNow, partnered with Equifax. By using our services, you authorize Fresh Start Financial Group LLC and MyFreeScoreNow to access your credit information in accordance with the Fair Credit Reporting Act. Credit scores displayed are VantageScore® 3.0 scores. You understand and agree that any third-party's access and use of your credit data may also involve the use of third-party software.

Monitoring subscription payments are made to MyFreeScoreNow and are non-refundable.

9. User Responsibilities

You agree to:

  • Provide accurate personal information and credit reports
  • Not apply for new credit during active dispute rounds without consulting us
  • Promptly notify us of any changes to your contact information
  • Review dispute results and respond to our communications within 7 business days
  • Not use our services for any unlawful purpose

10. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Fresh Start Financial Group LLC or its content suppliers and is protected by applicable intellectual property laws.

11. Limitation of Liability

To the fullest extent permitted by law, Fresh Start Financial Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of any material changes by posting the updated terms on this page with a revised effective date. Your continued use of our services after any changes constitutes your acceptance of the new terms.

14. Contact Us

If you have questions about these Terms and Conditions, please contact us:

Fresh Start Financial Group LLC
A Florida Limited Liability Company
Email: [email protected]

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