Credit Chance

Get A 2nd Chance At Good Credit

With over 10 years of experience, helping restore credit scores

The Journey To Excellent Credit Starts Here imageThe Journey To Excellent Credit Starts Here image

The biggest issue with having poor credit is all the ways that it can affect your life today, tomorrow, and in the future. I’m sure we can relate when we say the following factors have been a major road block:
  • High interest rates on your credit cards and loans
  • Difficulty getting a mortgage
  • Credit and loan applications may not be approved
  • Difficulty getting approved for an apartment
  • Security deposits on utilities
  • Difficulty finding employment
  • You can’t get a cell phone contract
  • You might get denied for employment
  • Higher insurance premiums
  • Calls from debt collectors
  • Difficulty starting your own business
  • Difficulty purchasing a car
The average consumer doesn’t realize all the implications of a poor score, it is time to take control and become enlightened.


Did you know that 1 in 5 Americans have a mistake within their credit report and about 37% of people are completely unaware of their own credit score, even though it impacts so many aspects of their lives! These facts prompted us to dig deeper into a solution! Here at Credit Chance we use the laws that were put in place to protect you as the consumer, to advocate on your behalf and to do that, we have adopted a user-friendly interface which gives our clients updates on their progress every 30-45 days and educational information to keep you informed! Bringing a face to the industry has also paved the way to our open-door policy which allows our clients to come in and speak, face to face, with a live specialist in our New Jersey offices! We are making this taboo topic something that anyone can approach! So, you might be wondering, what other solutions do you have to offer? Well, you asked so we delivered, Credit Chance will help you work towards achieving:
  • Increased credit limits
  • Lower interest rates on credit cards and loans
  • Attractive mortgage rates
  • More negotiating power
  • And so much more



The Factual Dispute Methodology is an important distinction for credit repair companies who seek to help people restore their standing by referencing the Fair Credit Reporting Act (FCRA) to dispute inaccurate information.

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When you're ready to open a credit card or take out a loan, the credit card company or lender will check your credit report and credit score to learn about how you've managed credit in the past. We are here to help you on this journey. We will get you where you need to be.

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Our Student Loan Assistance program is a resource for borrowers, their families, and advocates representing student loan borrowers. You should start here to learn about different types of student loans and how to deal with them.

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The most dedicated credit restoration provider in the area.

Educating Our Clients Is Always FREE

Credit Chance is the leading credit restoration company in the industry. Our success relies on guiding our clients through their journey to achieve the lifestyle they deserve. Here at Credit Chance it is paramount that our clients are able to transform their past for a better financial future.

Are there any startup fees?

We only charge the monthly fee for services that have been performed and completed.  In other-words, you are only charged after services have been completed each month. Our Audit & Analysis is also charged after it is completed. 

How is Credit Chance Different?

We know that choosing to use our service is an extremely personal and private matter.  We will work to explain what we believe we can do to help and determine a path to great credit! Though we cannot explain all the techniques we use to successfully work on your account, we will explain WHAT we feel we can do and if we feel our services will work for you.  Our first priority is to help our customers achieve their goal of better credit.  This is a partnership, so we always inform our clients of what they need to do to make the process work most effectively.  Many companies that claim to "repair your credit" try to do so by outsourcing to other companies and even using ineffective software that attempts to do the work for them.  We believe in hiring and training hard working employees that can thoroughly review your credit reports and dispute inaccurate information from them.  Our technique provides a much higher success level as well as provides our customers with a more personalized experience.  As part of our promise to deliver the highest level of customer service, Credit Chance customers receive a monthly update call, e-mail, or text message (depending on their preference).  This ensures that our customers are aware of the progress we are making while also reminding them to bring in information that may be needed.  This service is rare in the Credit Repair industry and we pride ourselves on being able to offer it.  

How does credit repair actually work?

Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report.  Your credit report dictates your credit score.  The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report.  Based on that information, your credit score is determined.  This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

What is included in the free consultation?

Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined.  This is also a great opportunity to ask questions.  If you choose not to use our services after your free consultation you are not liable for any charges. We also provide you with a plan of action.

How long does it take to repair my credit?

While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, it is impossible to give an exact timeline as each case is different.  The more items we are fighting to remove, the longer it might take.  A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter timeframe.  Ask your representative about our priority service that can potentially reduce the repair time needed.

Can you remove anything from my credit report?

We can only fight to remove any items that fall under the guidelines of the FCRA (  These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous. We will fight for you.

When is the best time to start your service?

This is determined by what your goal is.  Perhaps you are trying to buy a house.  If this is the case, you might want to get started at least 6-9 months before you plan on purchasing.  If you plan on purchasing a car, then you might want to opt for our Priority Service which can potentially improve your credit in just a few months.

Can I still be a customer if I'm not located in Virginia?

Yes, we provide Credit Repair Services for residents nationwide (unless a restriction applies in a specific state).  Many of our clients are even deployed overseas and use our services while out of the country.

Can I repair my own credit?

You have the ability to dispute any information on your credit report you deem as inaccurate, unfounded, or incorrect. Many of our customers have tried doing this themselves only to find out that the process takes too long, is confusing, and full of challenges they deem too stressful to deal with themselves. We take the burden of disputing off your hands and have the ability to speed up the process through experience as well as techniques that are unique to us. Think of our service like you would think of a Tax preparer, Legal Service, or even a plumber. You could probably do it yourself, but perhaps not with the same end results. We highly suggest that all of our clients and prospective clients take some time to learn about their credit, credit reports, as well as the process of repairing their own credit. You may feel doing it yourself is the better route for you and your situation. This is personal decision and we will never pressure you into using our services over doing it yourself.

Is my information secure?

Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database. Every Fresh Start employee is trained to properly verify customer information and never to disclose this information to unauthorized parties.  Please review our privacy policy for further information.

What is the best payment method for your service?

We prefer to Automatic debit each month from your checking account. If you need a checking account we can help you set one up. 

Am I locked into a contract?

Though you do sign a customer contract, they do not have mandatory service terms.  We strictly provide a monthly service that you may cancel at anytime. Please remember, we only bill you once we have already worked on your service for any given month.  Just like a water or utility provider, you are liable for your final months payment after cancelling our service.  

Do you have a Referral Program?

Yes, please contact for details.  Terms and Conditions Apply.  Not available in every state.

What is an affiliate?

An affiliate is a person or company that chooses to refer friends, families, or customers to Fresh Start for Credit Repair Service.  Becoming an affiliate is quick, painless, and best of all FREE!  Affiliates can earn money every time they refer a customer that signs up for service!  Depending on what type of an affiliate you are, you or your business could earn from $20-$50 per client that signs up for Credit Repair service with us.  Affiliates will have the responsibility of providing information as well as potentially reviewing information with their prospective referrals. Contact us at for more information or to sign up to become an affiliate.
  • 2600 Memorial Ave, Lynchburg, Virginia, United States