Terms of Service
These terms govern your use of the services provided by Fresh Start Data Services LLC, including trade line reporting and credit monitoring.
Effective date: October 2026
1. Services
1.1 Trade Line Reporting
Fresh Start Data Services LLC ("we," "us," "our") operates as an FCRA-compliant data furnisher. We report your subscription payment activity as a trade line to Equifax, Experian, and TransUnion using the Metro 2 format. Each on-time payment is reported as a positive payment entry on your credit file.
1.2 Credit Monitoring
Our credit monitoring service provides daily score updates from all three major credit bureaus, real-time alerts when changes are detected on your credit file, score history and trend analysis, and identity theft monitoring. Credit data is obtained via soft inquiries which do not affect your score.
1.3 No Guaranteed Results
Credit scores are determined by proprietary algorithms maintained by the credit bureaus and scoring model providers. We do not guarantee any specific credit score increase as a result of using our services. The impact of trade line reporting varies based on your individual credit profile, existing accounts, and other factors outside our control.
2. Eligibility
2.1 Requirements
To use our services, you must: (a) be at least 18 years of age; (b) be a legal resident of the United States; (c) possess a valid Social Security Number; and (d) provide accurate and complete personal information as required for credit bureau reporting.
2.2 Information Accuracy
By creating an account, you certify that all personal information you provide — including your legal name, Social Security Number, date of birth, and address — is accurate and complete. Providing false information may result in termination of your account and is a violation of federal law.
3. Account and Security
3.1 Account Access
Your account is secured via email-based authentication. You are responsible for maintaining the security of the email address associated with your account. Notify us immediately if you believe your account has been accessed without authorization.
3.2 One Account Per Person
Each individual may maintain one active account. Trade lines are reported under your legal name and Social Security Number. You may not create accounts for other individuals without their express written consent.
4. Payment Terms
4.1 Subscription Billing
Services are billed on a monthly subscription basis. Your payment method is charged on the same date each month. Each successful payment is reported as an on-time payment to the credit bureaus at the end of the billing cycle.
4.2 Failed Payments
If a payment fails, we will notify you and provide a grace period to update your payment method before reporting a missed payment. We are required under FCRA to report payment activity accurately, including late or missed payments.
4.3 Cancellation
You may cancel your subscription at any time through your client portal or by contacting us. Cancellation takes effect at the end of the current billing period. No refund is issued for the current billing period. Your trade line history — including all on-time payments reported prior to cancellation — remains on your credit file after cancellation.
5. FCRA Compliance
5.1 Accurate Reporting
We are obligated under FCRA § 623(a)(1) to report accurate information to the credit bureaus. We maintain written policies and procedures pursuant to FCRA § 623(e) to ensure the accuracy and integrity of all furnished data. Our complete data furnisher policies are available at /policies.
5.2 Your Dispute Rights
Under the Fair Credit Reporting Act, you have the right to dispute any information we report to the credit bureaus. You may dispute directly with us through your client portal or our dispute resolution page. You may also dispute directly with the credit bureaus at no charge. We investigate all disputes and respond within 30 days as required by federal law.
6. Limitation of Liability
To the fullest extent permitted by applicable law, Fresh Start Data Services LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability for any claim arising under these terms shall not exceed the total amount you paid to us in the twelve months preceding the claim. Nothing in these terms limits your rights under the Fair Credit Reporting Act or other applicable federal or state consumer protection laws.
7. Governing Law
These terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Federal law, including the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), applies to our data furnishing activities and supersedes any conflicting state provisions.
Contact
Entity
Fresh Start Data Services LLC
Location
Linden, NJ
Website
fsfg-data.com