Questions and Answers/Most Common

Listed below are the most common questions asked regarding credit restoration and credit counseling.

How does the process work with Freshnewstart  Consulting?  Each client will receive a free consultation in which they will have 7 days to make payment. Once the payment has been processed the credit restoration process will begin.  Each evaluation will list the accounts, addresses, inquires and name disputes that will need to be disputed or updated.

1. Client will receive confirmation emails from Freshnewstart Consulting showing the disputes are in process.

2. Client will receive mail and emails regarding updates that will need to be forwarded to FNS email directly so a consultant can review and discuss findings.

3. Updates are sent bi-weekly to clients email from a consultant.

4. Once the process has ended you will receive a confirmation email showing that all disputed items have been deleted or updated on the credit reports.

How long is the credit restoration process?  The process with restoring your credit can not be given until a consultant has reviewed your credit reports and have processed an evaluation.  Most common cases the process can or will take 30 days to 6 months depending on the account type and amount of accounts listed on the individual credit reports.

What is the price of credit restoration with Freshnewstart Consulting?  The price ranges from the amount of accounts to the type of accounts you have listed negative on your credit report.

If an item is deleted can it come back on my credit report?  Once the account is deleted from the credit bureaus and you receive notification, FNS will confirm with the collection and original creditor that they have closed and deleted the account from their systems.  This will confirm the account will not be sold to another creditor or return to your credit.

Is this process legit?  With Freshnewstart Consulting we have help several individual and business with credit restoration and assistance.  This techniques to delete or update your credit is legit and we at FNS follow the laws of the FCRA and each state.

If I know someone that is not in the same state and I want to refer them to Freshnewstart will that option be available?  Yes, as of today Freshnewstart Consulting LLC does assist in Texas, Arkansas, Mississippi, Louisiana, Ohio, Illinois, Oklahoma, Florida, New York, Michigan, California, Nevada, and Arizona.  We are in the process of expanding to other states to assist others.

My score is not going up and I am not able to confirm why?  During the restoration process the credit score will rise up and down pending on certain situations.

1. The debt/rate ratio is a major factor, any open accounts with high balances over 30% of the credit limit reduce your credit score.  Creditors will report high balances to each credit bureau.

2. During the process their are times when a new creditor will report a new collection and this will also affect the lowering of your credit score.

3. Being 30 days late on an open account will result in the creditor reporting your account as late and this will harm your credit score.  

4. When you process a deferment on an account it is not considered a late payment, but the creditor will report to the credit bureaus that a payment was not processed for the month.  This will harm your score for a monthly payment was not reported and this affects your payment history.