📍Los Angeles, CA — Serving All of California
Your Credit Comeback
Starts Right Here
We remove errors, rebuild your score, and get you approved again — flat rate pricing, no surprises, real results.
We pull all 3 bureaus — Experian, Equifax & TransUnion
30-90
Days to See Results
3
Bureaus Disputed
Free
Consultation — No Obligation
100%
Transparent Pricing
Not Sure Where Your Credit Stands?
Get your free 3-bureau credit report and score in 2 minutes. No credit card needed to start.
✓ Experian ✓ Equifax ✓ TransUnion — No credit card needed
SIMPLE PROCESS
How It Works
Three steps from where you are now to where you want to be.
Get Your Free Score
We pull your 3-bureau credit report and find every error, collection, and negative item that's hurting your score.
We Dispute For You
Our team sends professional dispute letters to all three bureaus on your behalf — you don't have to do a thing.
Track It Rise
Most clients start seeing results in 30–90 days. Log into your personal client portal anytime to see dispute status, bureau responses, and track your progress in real time.
FLAT RATE PRICING
Choose Your Plan
One flat rate. No monthly fees. No surprises. Pay in full or split into 2 easy payments.
You will be Charged after Dispute Sent (Typically with 24 Hours)
STARTER
Clean Slate
Late payments, small collections
$798
One-time Payment
(Save $100)
✓ All 3 bureau disputes
✓ Late payment removal
✓ Collections disputes
✓ Progress updates
✓ Client portal access
Most Popular
STANDARD
Fresh Start
Multiple negatives, charge-offs, medical debt
$997
One-time Payment
(Save $200)
✓ Charge-off disputes
✓ Everything in Clean Slate
✓ Medical debt
✓ Credit-building plan
✓ Priority support
PREMIUM
Full Rebuild
Repos, judgments, bankruptcies
$1,297
One-time Payment
(Save $200)
✓ Everything in Fresh Start
✓ Repossession disputes
✓ Judgments
✓ Bankruptcy-related items
✓ White-glove service
STARTER
Clean Slate
Late payments, small collections
$449
down
then $499 After Two Weeks
✓ All 3 bureau disputes
✓ Late payment removal
✓ Collections
✓ Progress updates
✓ Client portal access
Most Popular
STANDARD
Fresh Start
Multiple negatives, charge-offs, medical debt
$599
down
then $599 After Two Weeks
✓ Everything in Clean Slate
✓ Charge-off disputes
✓ Medical debt
✓ Credit-building plan
✓ Priority support
PREMIUM
Full Rebuild
Repos, judgments, bankruptcies
$749
down
then $749 After Two Weeks
✓ Everything in Fresh Start
✓ Repossession disputes
✓ Judgments
✓ Bankruptcy-related items
✓ White-glove service
FLEXIBLE OPTION
Monthly Plan
Pay as you go — cancel anytime
$250
Per Month
No long-term contract
✓ One full round per month
✓ All 3 bureaus disputed
✓ Client portal access
✓ SMS & email updates
✓ Cancel anytime
✓ No commitment required
Results vary. No specific score increases guaranteed. Fresh Track Credit Co. is not a law firm. First payment charged after first round of disputes completed. 5-day right to cancel.
Questions about which plan is right for you? Call or text us at (310) 261-8773
MONTHLY PLAN
How the Monthly Plan Works
Not ready to commit to a full package? Pay as you go — one round of disputes per month, charged only after the work is done.
1
Sign Up
Fill out your info and sign your agreement. No charge is processed at signup.
2
We Dispute
We send your first round of dispute letters to all 3 bureaus. Your $250 is charged after letters are sent.
3
Wait for Results
Credit bureaus have 30 days to respond. Track everything in your client portal.
4
Next Round or Cancel
When bureaus respond we start the next round. Another $250 after that round. Cancel anytime — no questions asked.
First payment charged only after your first round of dispute letters is sent. Cancel within 5 days at no charge.
WHY CHOOSE US
Why Clients Trust Fresh Track Credit
We built this business on transparency, results, and doing things the right way.
Sign Up
We operate in full compliance with the Credit Repair Organizations Act. You are never charged before work is completed. You have the right to cancel within 5 days — no questions asked.
Full Transparency
You get a written contract before anything starts. Every dispute letter we send is documented. You can log into your client portal anytime and see exactly what we are working on.
We Work Fast
Most clients see their first round of dispute letters sent within 3–5 business days of signing up. We do not sit on your case — we get to work immediately.
Flat Rate — No Surprises
Unlike monthly subscription services that keep billing you indefinitely, our flat rate plans have a defined scope. You know exactly what you are paying before you sign anything.
Always Available
You are never left in the dark. We update you by text and email after every bureau response. Call or text us at (310) 261-8773 anytime you have a question.
Personal Service
We are a Los Angeles based team — not a call center. When you reach out you speak to someone who actually knows your case and is working on it personally.
30-90
Days to See Results
3
Bureaus Every Round
5
Day Right to Cancel
100%
No Upfront Charges
DIY OPTION
Can't Afford Full Service Right Now?
Get our complete step-by-step guide and start fixing your credit today — on your own time.
Instant PDF Download
The Fresh Track Credit Blueprint
The exact same knowledge our team uses every day — now in a step-by-step guide you can follow yourself. 15 ready-to-use dispute letter templates included.
→ 15 ready-to-send dispute letter templates
→ How to read all 3 credit reports
→ Step-by-step dispute process guide
→ Credit-building roadmap after repair
→ What NOT to do during the process
→ How to negotiate with creditors
💡 Already have the guide and want professional help? Our team starts at $800 →
$67
One-Time
Instant PDF download
Instant PDF Download
The Fresh Start Credit Blueprint
The exact same knowledge our team uses every day — now in a step-by-step guide you can follow yourself. 15 ready-to-use dispute letter templates included.
→ 15 ready-to-send dispute letter templates
→ How to read all 3 credit reports
→ Step-by-step dispute process guide
→ Credit-building roadmap after repair
→ What NOT to do during the process
→ How to negotiate with creditors
$37
One-Time
Instant PDF download
💡 Already have the guide and want professional help? Our team starts at $800 →
REAL RESULTS
Latest Client Results
Real people, real scores. These are actual results from our clients.
492
↓ ↑
634
+142 Points
Collections removed
518
↓ ↑
671
+153 Points
Late payments removed
480
↓ ↑
612
+132 Points
Repo dispute won
545
↓ ↑
700
+155 Points
Multiple negatives
Know Someone Who Needs Credit Repair?
Share your personal referral link and earn $50 cash for every person who signs up. Paid to your Cash App or Zelle — no waiting.
💡 Already have the guide and want professional help? Our team starts at $800 →
1. Sign up for credit repair
Paying clients automatically get their own personal referral link sent by email after signup
2. Share your link
Text it, post it on Instagram, share it anywhere — the more you share, the more you earn
3. Get paid $50
When your referral signs up and pays, we send you $50 to your Cash App or Zelle — that simple
QUESTIONS
Frequently Asked Questions
How long does credit repair take?
Most clients start seeing results in 30–90 days. The timeline depends on how many items are being disputed and how quickly the bureaus respond.
Is credit repair legal?
Absolutely. The Fair Credit Reporting Act (FCRA) gives every American the right to dispute inaccurate information on their credit report — for free.
Can I make payments?
Yes — all plans can be split into 2 payments. You pay 50% upfront to get started, and the remaining balance is due 30 days later. No interest, no fees.
What is the Monthly Plan and how does it work?
The Monthly Plan is $250 per month with no contract. We send one full round of dispute letters per month to all 3 bureaus. You are only charged after each round is completed — never upfront. Cancel anytime after the first month.
Do you guarantee score increases?
We guarantee our effort, professionalism, and transparency. Since credit bureaus control the final decision, no company can legally promise specific score numbers.
What if I have a repossession or bankruptcy?
We handle these with our Full Rebuild plan at $1,397. These are complex disputes but we have experience with repos, judgments, and bankruptcy-related items.
How do I track my progress?
You'll get access to our client portal app where you can see your dispute status, bureau responses, and score changes in real time.
Is my personal information safe?
Yes — your information is encrypted and never sold or shared with third parties. We only use your information to process your dispute letters and keep you updated on your case.
PAYMENT
Start Your Credit Repair Today
Fill out this form and our team will review your file within 24 hours. Takes 2 minutes.
✓ Flat rate — No Hidden Fees
✓ All 3 bureaus disputed
✓ Results in 30–90 days
✓ Pay in 2 installments
✓ Your data is 100% encrypted
✓ Cancel within 5 days — No Charge
No charge is processed at enrollment. Your first payment is charged only after your first round of dispute letters has been sent
No charge is processed at enrollment. Your first payment is charged only after your first round of dispute letters has been sent, typically within 3 to 5 business days. We will Send You an Invoice after the 1st Round was sent. You may cancel within 5 calendar days of signing your agreement at no charge.
📞 Call or Text: (310) 261-8773
📸 Instagram: @freshtrackcredit.com
📍 Serving: Los Angeles & all of California
🕒 Hours: Monday–Friday, 9am–5pm PST
© 2026 Fresh Track Credit Co. · Los Angeles, CA