📍Los Angeles — Serving Nationwide
Your Credit Comeback
Starts Right Here
We dispute errors and unverifiable items on your credit reports — flat-rate pricing, no surprises, and no charge until each round of work is done.
We pull all 3 bureaus — Experian, Equifax & TransUnion. We earn a commission if you enroll through the $1 trial.
30-90
Days to First Results
3
Bureaus Disputed
Free
Consultation — No Obligation
100%
Transparent Pricing
Not Sure Where Your Credit Stands?
Get your full 3-bureau credit report and score in 2 minutes — just $1 to start.
✓ Experian ✓ Equifax ✓ TransUnion — $1 trial. We earn a commission if you enroll.
SIMPLE PROCESS
How It Works
Three steps from where you are now to where you want to be.
Get Your Scores
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 Your Rise
Bureaus have 30 days to answer each dispute. 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
Pay in full or split into 2 easy payments. No surprises.
STARTER
Clean Slate
Late payments, small collections
$798
One-time Payment
(Save $150)
✓ All 3 bureau disputes
✓ Late payment disputes
✓ Collection disputes
✓ Progress updates
✓ Client portal access
Most Popular
STANDARD
Fresh Start
Multiple negatives, charge-offs, medical debt
$998
One-time Payment
(Save $200)
✓ Charge-off disputes
✓ Everything in Clean Slate
✓ Medical debt
✓ Credit-building plan
✓ Priority support
PREMIUM
Full Sweep
Repos, judgments, bankruptcies, etc.
$1,298
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
First payment charged
after your first round is sent:
$474
then $474 The Next Month
✓ All 3 bureau disputes
✓ Late payment disputes
✓ Collection disputes
✓ Progress updates
✓ Client portal access
Most Popular
STANDARD
Fresh Start
Multiple negatives, charge-offs, medical debt
First payment charged
after your first round is sent:
$599
then $599 The Next Month
✓ Everything in Clean Slate
✓ Charge-off disputes
✓ Medical debt
✓ Credit-building plan
✓ Priority support
PREMIUM
Full Sweep
Repos, judgments, bankruptcies, etc.
First payment charged
after your first round is sent:
$749
then $749 The Next Month
✓ Everything in Fresh Start
✓ Repossession disputes
✓ Judgments
✓ Bankruptcy-related items
✓ White-glove service
FLEXIBLE OPTION
Monthly Plan
Cancel anytime after the first month.
$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. Cancel free within 5 days, or by the third business day — whichever is longer.
Questions about which plan is right for you? Call or text us at +1 (818) 614-5779
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 after the first month.
First payment charged only after your first round of dispute letters is sent. Cancel free within 5 days, or by the third business day — whichever is longer.
WHY CHOOSE US
Why Clients Trust Fresh Track Credit
We built this business on transparency, results, and doing things the right way.
CROA Compliant
We operate in full compliance with the Credit Repair Organizations Act. You are never charged before work is completed. You can cancel free within 5 calendar days, or by midnight of the third business day under federal law — whichever gives you longer.
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 (818) 614-5779 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 First Results
3
Bureaus Every Round
5
Days to Cancel Free
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 $798 →
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
REAL RESULTS
Latest Client Results
Real people, real scores. These are actual results from our clients. Every credit profile is different — these results are not typical and individual results vary and are not guaranteed.
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. Heads up: if you share your link, let people know you may earn a referral reward — the FTC requires that disclosure.
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?
Bureaus have 30 days to answer a dispute, so a first round usually resolves inside 30–45 days. The full 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 split payments?
Yes — every flat-rate plan can be split into 2 payments. Your first payment is charged after your first round of dispute letters is sent, and the second payment is due one month 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 Sweep plan at $1,298. 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 we never sell it. We share it only with the providers who make your case run — our dispute system, our payment processor, and the service that mails your letters — and only what each one needs to do its job.
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
✓ Bureaus must respond in 30 days
✓ Pay in 2 installments
✓ Your data is 100% encrypted
✓ Cancel Free — 5 Days or 3 Business Days
No charge is processed at enrollment. Your first payment is charged only after your first round of dispute letters has been sent
No charge at signup. 100% No Upfront Charges
📍 Serving: Nationwide
🕒 Hours: Available 24/7 · Calls returned in 1 business day
© 2026 Fresh Track Credit Co.