Comprehensive Credit Solutions
Metro2 Compliance Expertise Meets Results-Driven Service
At 850 Fresh Start, we specialize in helping individuals and businesses reclaim their financial futures through expert credit repair, strategic dispute resolution, and comprehensive funding solutions. Our Metro2 compliance methodology sets us apart from generic credit repair services, delivering legitimate, effective results.
What You'll Discover on This Page:
Metro2 Compliance Services
Credit Score Improvement
Business Funding Solutions
Credit Repair Services
Our Metro2 compliance methodology represents the gold standard in credit repair—a specialized approach that targets inaccurate information with precision and legal backing.
Metro2 Compliance Dispute Process
Metro2 is the industry standard format that credit bureaus are legally required to accept and process. Our disputes are filed using this compliant methodology, ensuring your challenges are taken seriously by Equifax, Experian, and TransUnion. Unlike generic dispute letters, Metro2-compliant disputes follow the exact specifications that credit bureaus use internally, dramatically increasing the likelihood of successful information removal.
Types of Inaccuracies Addressed
We identify and dispute a wide range of errors including late payments you didn't make, accounts that aren't yours, incorrect balances, closed accounts still reporting as open, and duplicate negative items. Our Metro2 compliance experts conduct thorough reviews of all three credit bureau reports to uncover every disputable inaccuracy affecting your credit score.
Timeline Expectations
Credit bureaus have 30-45 days to investigate disputes from the date received. Most clients see initial results within 45-60 days of filing. However, credit improvement is often a multi-round process. Complex cases with multiple inaccuracies may require 3-6 months of strategic dispute rounds to achieve optimal results. We maintain realistic expectations while working diligently toward your credit goals.
Ongoing Monitoring and Support
Your journey doesn't end after disputes are filed. We continuously monitor your credit reports for changes and track dispute results. If items are rejected, we file additional disputes with strengthened documentation. Our team provides guidance on credit maintenance, helping you understand factors that affect your score and strategies to protect your improved credit long-term.
Your Legal Rights Under FCRA
The Fair Credit Reporting Act (FCRA) is federal law that protects your right to accurate credit information. You have the legal right to dispute inaccurate items, request investigations, and demand removal of unverifiable information. Credit bureaus cannot legally report false information. Our Metro2 compliance approach leverages these legal protections to restore your credit legitimately and effectively.
Have questions about our credit repair process? Our experts are ready to help.
Call for Free Consultation
Business Funding Solutions for Entrepreneurs
Your credit challenges don't have to limit your business growth. 850 Fresh Start combines expert credit repair with strategic business funding solutions to help entrepreneurs access the capital they need.
How We Help Business Owners
Improve Your Business Credit Profile
We repair inaccurate information that affects your business credit score, opening doors to better loan terms and funding opportunities.
Access Funding Despite Credit Challenges
Our combined approach repairs your credit while identifying funding options specifically designed for businesses with credit challenges.
Strategic Metro2 Compliance Repairs
Using Metro2 compliance expertise, we remove inaccurate items that lenders see when evaluating your business for funding.
Accelerate Growth with Capital Access
Once your credit is improved, we guide you toward appropriate funding solutions to fuel business expansion and operations.
We Serve a Variety of Business Types
Ready to explore business funding options?
Free consultation to discuss your business funding needs
Start Your Teen's Financial Journey Early
The Teen Credit Builder Program is a forward-thinking solution designed to set your children up for long-term financial success. We help parents establish healthy credit habits for their teens, creating a strong financial foundation before they face real-world credit decisions.
How Teen Credit Builder Works
Parent-Supervised Account Setup
We establish a credit-building account under parental oversight, ensuring teens learn responsibility with guidance.
Secured Credit Building
Teens build credit safely with secured accounts that report to all three credit bureaus.
Financial Education Included
Comprehensive education on credit scores, responsible borrowing, and financial management.
Benefits of Early Credit Building
- • Higher credit scores by age 18 or 21
- • Lower interest rates on future loans and mortgages
- • Better approval odds for apartments, jobs, and rentals
- • Lifelong understanding of credit management
Age Requirements
Typically ages 13-17, with parental co-signature and involvement required throughout the program.
Parent Involvement
Parents maintain full oversight and control while teens learn responsibility in a safe, supported environment.
Long-Term Financial Benefits
A strong credit foundation established in the teen years can save your child hundreds of thousands of dollars over their lifetime through better interest rates, insurance premiums, and loan terms.
Ready to give your teen a financial advantage?
"Investing in your teen's financial education today creates opportunities for their entire future."
Learn to Master Your Credit
We believe that educated clients make better financial decisions. Our credit education approach ensures you don't just improve your score—you understand why and how to maintain it for life.
Our Educational Philosophy
Credit repair isn't just about removing negative items from your report. It's about understanding the entire ecosystem of credit reporting, the factors that influence your score, and the strategies that keep you financially healthy long-term.
We teach you the "why" behind every step, so you're not dependent on us forever—you become your own credit expert.
Knowledge is Power
Many credit repair companies keep clients in the dark. We're transparent about Metro2 compliance standards, dispute processes, and realistic timelines because we believe you deserve to understand your own financial journey.
When you understand credit, you make smarter borrowing decisions and avoid the mistakes that landed you here in the first place.
What You'll Learn
Understanding Credit Reports
Learn how to read your credit reports from Equifax, Experian, and TransUnion. Understand what information appears, how long items stay on your report, and what you can legally dispute.
Credit Score Factors
Discover the five key factors that influence your credit score: payment history (35%), amounts owed (30%), length of history (15%), credit mix (10%), and new credit (10%). Learn which factors you can control immediately.
Your Legal Rights
Understand the Fair Credit Reporting Act (FCRA) and your rights to dispute inaccurate information. Learn how Metro2 compliance gives you the strongest legal foundation for disputes.
Common Errors
Identify the most common inaccuracies found on credit reports: wrong payment statuses, accounts not belonging to you, incorrect balances, and accounts that should have expired.
Long-Term Credit Management
Build sustainable credit health habits. Learn about responsible credit usage, when to apply for new credit, and how to maintain excellent credit once you've rebuilt it.
Building Credit From Scratch
Strategies for young adults and those with limited credit history. Discover how our Teen Credit Builder program helps establish credit early and properly.
Follow Us for Daily Credit Tips
Education doesn't stop after your consultation. We share bite-sized credit tips, dispute timeline updates, and financial wellness advice on social media to keep you informed and empowered.
TikTok @850freshstart
Short, actionable credit education videos
Educational Content Library
Deep dives into credit repair strategies
Pro Tip: Following our social channels keeps you updated on credit news, dispute timelines, and financial tips that directly support your credit improvement journey.
Why Credit Education Matters
Avoid Future Problems: Understanding credit helps you make smarter financial decisions and avoid the mistakes that damaged your credit in the first place.
Spot Fraud Early: When you understand your credit reports, you'll quickly notice suspicious activity or identity theft attempts.
Negotiate Better Terms: Armed with knowledge, you can negotiate with lenders for better interest rates and loan terms.
Maintain Long-Term Health: Credit education ensures your improvements last. You won't backslide into bad habits once you've rebuilt your score.
Have Questions About Credit?
Our team is here to answer your questions and provide personalized education for your specific situation. Don't hesitate to reach out—there's no such thing as a silly question when it comes to your financial future.
We're committed to your financial education and success. Every question you ask brings you closer to credit mastery.