Fresh Start Credit Solutions LLC

12/24/2025

12/09/2025

Friendly reminder: If someone applies for credit in your name through identity theft, even if their application is denied, you want to take the following steps immediately:

1. Place a fraud alert or freeze your credit, to prevent further credit applications.

2. File a police report.

3. File an FTC report at identitytheft dot gov.

4. Write a letter to each credit agency where credit applications (inquiries) occured, via certified mail. Notify them that these are not your inquiries, and attach the FTC and police reports.

5. The letter should include your photo ID, proof of address, date of birth, and last four of your SSN.

If this does not remove the inquiries, you may need to take legal action against the credit agencies. Good news: This costs you nothing out of pocket, because by law, when the case is settled / you win in court, they have to pay your attorney's fees and court costs.

09/09/2024

In most businesses we are entering slow months. Be creative, think outside the box and most importantly never let up🫡❗️

07/02/2024

🗣️

05/26/2024

https://freshstart2wealthnow.com/

The Information and knowledge contained in this E-book is priceless when it comes to improving and maintaining your credit score! Make sure to get your copy today and start removing inquiries today!

12/11/2023

In business if you have something valuable there is always a buyer ❗️ So get to work…create value and watch the buyers come ‼️

11/15/2023

A lifetime isn’t as long as you think! What are you waiting for to make your decision on your future life?

10/13/2023

Nobody cares about you if you do not provide any value‼️Let them know to stand on that same energy when you become valuable ‼️💯🫡

08/24/2023

Anyone looking 👀 for a secured credit card to build credit…here you go

CreditBuilderCard - Home

08/17/2023

Here are 26 reasons dispute reasons you can list on a letter
1. Account number- make sure the account number is correct.
2. Credit Limit- the credit limit should be the same across all bureaus.
3. Is the term correct? The term should report the same across all bureaus
4. The current status should be correct and the same across the three bureaus
5. INACCURATE INFORMATION
6. Date of Last Payment- make sure this date is correct
7. Monthly Payment- there should be no monthly payments on closed accounts
8. Date of Last Activity should be the oldest date
9. Responsibility it should show if it is a AU, individual, or joint account.
10. Payment Status showing 30 days late when you were not late.
11. Creditor Name
the name of creditor should be correct.
12. Filing date
Filing dates of bankruptcies should be correct
13. Court Name
the name of the court should show for Judgements and Bankruptcies
14. Late Payments
There should be no late payments on closed accounts.
15. Notice of dispute required within 30 days of receipt of first dispute under section 623 FCRA and 806(b) FDCPA
16. Payment Status details Consumer deceased? collection though paid? etc,
17. Sold-to /transferred - if sold to notice is missing violation if balance is present on sold /transferred account violation
18. Type should should show correct type of account installment or revolving
19. Charge off
amount who is reporting it and is it correct
20. Date of first delinquency
is this date accurate in the case of student loans some creditors report starting at 90 days late but does not show 30 or 60 days late
21. payment amount you can be denied credit based off inaccurate payment amounts
22. Past Due Balance
correct amount did you recently pay it off but the account isn't updated yet
23. Balance
Is the balance correct, should there be one at all, did you settle, pay partially
24. Frequency of Payments
how often do you pay?
25. date opened
Experian normally reports the 1st of the month while the other 2 may show a different date
26. Incomplete information