A Faster Path to
Better Credit
Our Credit Rebuilder Program is our premium program for people who are serious about rebuilding their credit scores quickly, and who could use a helping hand in executing all the action steps.
Credit Rebuilder Program
Here’s a secret to rebuilding your credit score: You need to build good credit around your bad credit. This means you’ll need three new credit cards and an installment line of credit.
But how can you get an installment loan on your credit report if your credit score is bad? It’s a catch-22…
The Credit Rebuilder Program solves that problem. When you enroll in the Credit Rebuilder Program, your monthly payment will be reported to the credit bureaus as an installment loan of credit and, as long as you pay on time, your credit score will naturally increase.
Plus, you will receive:
- Full lifetime access to our credit education program, 7 Steps to a 720 Credit Score.
- A free review of your credit report. If we find errors, we will send certified dispute letters on your behalf and follow up in 45 days to make sure the errors have been removed.
- Priority invitations to attend our monthly Q&A sessions, where we answer your credit questions first.
This is Heather
Heather enrolled in 720 Credit Score in 2017 so that she could raise her credit score and buy a home. In May of 2020, she became a homeowner!
See more peoplejust like you
Stand-Alone Membership
When you join the Credit Rebuilder Program, your monthly payment will automatically be reported to TransUnion and Equifax, and your credit score will start to improve with each monthly payment. There are no credit checks or pre-qualifications. Simply enroll now, and watch your credit score improve.
$59.00
Per month, based on a one-year subscriptionIf you have more specific questions and would like to talk to a 720 Representative, schedule a 15-minute call here. We can answer any questions you have about raising your credit score fast.
Add-on to the Referral Program
If you were enrolled in our credit education program, 7 Steps to a 720 Credit Score, by an attorney, debt negotiator, or other debt professional, you and your spouse/co-applicant can enroll in the Credit Rebuilder Program for just $39/month for 12 months.
$39.00
Per month, based on a one-year subscriptionIf you have more specific questions and would like to talk to a 720 Representative, schedule a 15-minute call here. We can answer any questions you have about raising your credit score fast.
Schedule a Call
If you have more specific questions and would like to talk to a 720 Representative, schedule a 15-minute call here. We can answer any questions you have about raising your credit score fast.
Schedule NowFAQs
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When will my enrollment into 7 Steps to a 720 Credit Score begin?
You will receive access to the program after the 10-day cancellation period ends.
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What if I am already enrolled in 7 Steps to a 720 Credit Score?
We created this program for our clients who cannot get approved for an installment line of credit on their own. We understand that many of you are already enrolled in our program, and if you are one of our students already going through the lessons, you will receive a one-year extension on your current membership as well as priority access to our monthly Question and Answer calls where you will be invited to ask a question for a full year instead of just six-months.
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What is your cancelation policy?
You have ten days to cancel this program with no penalty from the date you signed the online agreement. If you choose to cancel, no payments will be deducted from your account.
Email us at Support@720creditscore.com, prior to the tenth day, with the request to cancel. -
Will my payments report to the credit bureaus?
Yes, all of your payments will report to TransUnion and Equifax as an installment line of credit.
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When will my payments start reporting to the credit bureaus?
There is a one-month delay in credit reporting. We report all payments to the credit bureaus on the 15th of each month for the prior month. For example, if you make a payment on May 1, that payment will be reported on June 15th. Keep in mind that it does take a few days/ weeks for the payments to show up on your credit report after we report them.
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What if there are two people in my family who would like to enroll? Will we be making double the payments?
When you fill out our online agreement, you will see a section for “Co-Payor.” Add your family member as a co-payor, and you will be charged just one payment, but the payments will report individually to each of your credit reports.
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How can I make the payments and will they be automatically taken out of my account?
When you fill out our online application, you will enter your payment information via the credit/debit account. We set up the automatic payments from our end so you do not have to worry about making your payments on time.
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When will the payments begin, and what date of the month should I expect to see this charge?
Your payments will begin 11 to 30 days after you sign the agreement. They will continue on that date for each month moving forward.
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What if I have to change my billing date?
Please email Fresh Start Funding at Payments@FreshStartFunding.com or call them at (800) 610-1599.
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How will the payments appear on my credit card/ debit card/ bank statement and my credit report?
Your payments will appear on your payment account and credit report as “Fresh Start Funding.”
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What if I miss a payment? How quickly do you report missed payments and is there a way to make up a payment before getting reported as delinquent?
The answer to this question is simple: Stay in communication with us! We do everything we can to help you make up your payments before we will report you delinquent. Fresh Start Funding will contact you to let you know that your payment declined, and all we ask is that you be in communication with us. If you get an email from us saying you’re behind, please reply to us immediately.
If you know that you cannot make a payment on time on any given month, please email Fresh Start Funding at Payments@FreshStartFunding.com or call them at (800) 610-1599. We want this program to help your credit, not hurt it. -
What is the interest rate?
The interest rate on this program is 0%. Your payment will be reported to the bureaus for twelve months, and after twelve months, your balance is $0.
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Will my credit be pulled for this program?
No, we will not be running your credit report. 100% of our clients will be approved, regardless of their credit score or income.
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What if I already have an installment line of credit being reported to my credit report?
If you already have a healthy installment line being reported to your credit report, then you may not need this program. Two questions you should ask yourself are: 1) Do you want or need your credit score to go up quickly, and 2) Can you afford this payment for twelve months? Depending on your answers, you will be able to make the right decision. If this is going to cause a financial hardship for you in any way, please do not enroll.
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When will I receive the money to use?
You will not receive money. By enrolling in the Credit Rebuilding Program, you are agreeing to pay a monthly fee in exchange for using our services, as listed above under “What does my membership include?” This monthly fee will be reported to two credit bureaus as an installment line of credit. We created this program to help our clients get an installment line of credit reported to their credit report that they otherwise cannot get approved for on their own.
