It’s Time to Rebuild — Your Credit Journey Starts Now

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Our Services

Our specialists are here to help you achieve the credit you deserve.
Collection

Debt collection involves an agency or company attempting to recover overdue debts from borrowers.

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Late Payments

A late payment is considered when the borrower makes the payment after the due date or after the grace period has ended.

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Charge Offs

A charge-off is a debt that a creditor abandons after the borrower has missed payments for several months.

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Liens

A lien is a legal claim on property, recorded with the county, giving the lineholder an interest in it.

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Bankruptcy

Bankruptcy is a federal legal process that allows individuals and businesses to liquidate or restructure part of their debts.

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Credit Monitoring

Credit monitoring is a service that watches your credit history and notifies you about any changes or unusual activity.

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Heal your past, shape your future.

Continuamos apoyando a personas y familias a lo largo de todo Estados Unidos en la consecución de sus objetivos financieros. Lo que siempre ha permanecido firme es nuestro compromiso. Unimos esa dedicación con nuestro profundo conocimiento en crédito, lo que nos ha permitido llegar a ser lo que somos hoy.
Your Future Now

Enhance your credit with Fresh Start Credit Services. Serving all of California with years of experience.

Quality Promise

We assist you in recovering from financial challenges and boosting your credit score. Let our experts guide you.

Custom Program

We design tailored programs to address and challenge negative inquiries, helping you reach the credit score you deserve!

Collection

Fresh Start Credit Services offers Collection Services to effectively manage and resolve unpaid debts, guiding you towards financial stability. Our tailored approach alleviates stress, providing a clear path to repair and peace of mind. 

Our Collection Services Include:

  • Financial Evaluation: We start with a detailed analysis of your current financial situation, allowing us to develop a tailored plan that fits your specific needs.
  • Negotiation with Creditors: Our team of negotiators works directly with your creditors to secure more favorable conditions for repaying your debts, aiming to reduce the total amount owed, lower interest rates, and establish more manageable payments.
  • Conflict Resolution:  We act quickly to resolve any errors or discrepancies in the reported debts, ensuring that your credit history accurately reflects your financial situation.
  • Efficient Payment Management: We assist in structuring and prioritizing your payments to avoid further delays, ensuring that your debts are paid in a timely and organized manner.
  • Financial Education: We offer comprehensive programs on budgeting, financial management, and credit improvement, providing you with the tools necessary to maintain stable financial health.
  • Ongoing Support: Throughout the entire debt restructuring process, our team will be with you every step of the way, offering support and guidance so you always feel informed and confident.

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Get fast relief and improve your credit with our collection services.

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Swift relief from unpaid debts.

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Boosted credit scores guaranteed.

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Personalized, efficient debt resolutions.

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Expert guidance for confident repair.

Late Payment

Late Payment Solutions from Fresh Start Credit Services offer comprehensive strategies to mitigate financial stress and regain control over your finances.

Our Collection Services Include:

  • Assessment and Analysis: We evaluate your late payment history and reasons for delays, crafting tailored strategies for effective resolution while keeping your unique circumstances in mind.
  • Negotiation with Creditors: Our negotiators work diligently to arrange favorable repayment terms, aiming to reduce fees and interest rates to alleviate your financial burden.
  • Payment Reminders and Organization:  We assist in organizing payments and set up reminders to prevent further late payments, ensuring you stay on track with your financial obligations.
  • Credit Score Improvement: Prompt addressing of late payments not only resolves immediate issues but also contributes to long-term credit score enhancement, opening up more financial opportunities for you.
  • Financial Education: Our programs not only impart knowledge on budgeting, debt management, and credit rebuilding strategies but also provide practical tools and resources to help you implement these strategies effectively.

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Immediate relief, enhanced credit with Late Payment Solutions.

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Swift relief from overdue financial stress.

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Guaranteed credit score improvement.

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Personalized solutions for efficient repair.

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Expert guidance for confident resolution.

Charge Offs

At Fresh Start Credit Services, we alleviate the burden of charged off accounts, offering effective resolution strategies for financial stability. Our service guides you towards managing and resolving charged off accounts efficiently.


Our Charged Off Service Includes:

  • Account Assessment: We conduct thorough evaluations to understand the extent of charged off accounts, tailoring strategies for your financial situation.
  • Negotiation with Creditors: Our skilled negotiators work to reduce amounts owed, negotiate settlements, and establish manageable repayment plans with creditors.
  • Dispute Resolution:  Proactively resolving inaccuracies in charged off accounts through meticulous credit report reviews and communication with credit bureaus.
  • Payment Management: We assist in organizing payments, prioritizing them to prevent further delinquencies and efficiently manage charged off accounts.
  • Financial Education: Our programs equip you with budgeting, debt management, and credit rebuilding strategies for long-term financial stability.
  • Ongoing Support: Continuous guidance and assistance throughout the resolution process ensure you remain informed and supported.

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Achieve relief, restore credit with Charged Off service.

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Resolve charged off accounts, find relief.

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Improve credit score with effective solutions.

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Personalized strategies tailored to your needs.

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Negotiate favorable debt resolutions effectively.

Liens

At Fresh Start Credit Services, our Liens Services aim to alleviate the burden of liens, offering effective resolution strategies for financial stability. We provide personalized assistance tailored to your needs, ensuring a clear path to freedom from encumbrances.
Our Liens Services Include:

  • Assessment: Thorough evaluation ensures personalized lien resolution strategies for your unique financial situation.
  • Negotiation: Experienced negotiators work to secure favorable terms with lienholders, effectively easing your financial burden.
  • Dispute Resolution:  Proactive steps rectify errors in reported liens, ensuring accuracy and fair treatment for all parties involved.
  • Payment Management: Organized plans facilitate efficient repayment, ensuring timely resolution of liens and financial stability.
  • Financial Education: Empowering resources equip you with essential skills to navigate future financial challenges confidently and responsibly.
  • Ongoing Support: Continuous guidance and assistance throughout the lien resolution process ensure you remain informed and supported every step of the way.

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Experience immediate relief, enhanced credit with our Liens Services.

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Relief from financial encumbrances.

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Improved credit through prompt resolution.

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Tailored strategies for personalized needs.

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Expert guidance throughout resolution.

Bankruptcy

Our Bankruptcy Assistance Services provide expert guidance and support for navigating the complexities of bankruptcy towards a fresh start.
Our Bankruptcy Assistance Services Include:

  • Comprehensive Assessment: We evaluate your financial status thoroughly, determining the best bankruptcy option for your circumstances.
  • Personalized Planning: Tailored bankruptcy plans are crafted to suit your unique needs and goals, ensuring clarity and understanding.
  • Court Representation:  Our support extends through all legal proceedings, ensuring you navigate court appearances and creditor meetings confidently.
  • Debt Discharge Assistance: We guide you through the process, ensuring you understand which debts qualify for discharge and taking necessary steps.
  • Financial Education: We offer comprehensive programs on budgeting, financial management, and credit improvement, providing you with the tools necessary to maintain stable financial health.
  • Post-Bankruptcy Guidance:  Even after proceedings, we offer ongoing support, aiding you in financial recovery and stability through educational programs and strategies.

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Swift relief, credit improvement through bankruptcy.

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Navigate bankruptcy with expert assistance.

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Rebuild financial life with personalized plans.

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Strategic relief from debt burden.

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Effective bankruptcy resolution for renewal.

Credit Monitoring

At Fresh Start Credit Services, we understand the significance of credit repair. Our Credit Monitoring Services provide continuous monitoring and timely alerts to facilitate effective credit repair efforts.
Our Credit Monitoring Service Includes:

  • Continuous Monitoring: Our system keeps a vigilant eye on your credit report, tracking any changes or updates in real-time.
  • Immediate Alerts: Receive instant notifications via email or text message whenever there’s a significant change in your credit report, such as new accounts opened or late payments reported.
  • Identity Theft Protection: Stay protected against identity theft with proactive monitoring for signs of fraudulent activity, helping you address potential threats before they escalate.
  • Credit Score Tracking:  Keep track of your credit score over time and receive regular updates on factors affecting your score, empowering you to make informed financial decisions.
  • Personalized Insights: Gain valuable insights into your credit report, including factors influencing your score and recommendations for improving your credit health.
  • With our Credit Monitoring Services, you can have peace of mind knowing that your credit is being monitored diligently, allowing you to take proactive steps to protect your financial future.

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Continuous credit monitoring ensures financial security.

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Personalized credit monitoring for you.

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Navigate credit complexities with ease.

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Expert support for effective management.

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Confidence in your financial journey.

About Us

Fresh Start Credit Services was born from the genuine desire of Julia and Jonathan Penate, who share a strong commitment to making a real difference in the lives of those facing financial challenges. With the belief that credit is more than just a number—it’s a powerful tool for achieving goals and building a better future—they combined their experience and vision to create a company that offers trust, hope, and new opportunities.

They believe in second chances and are dedicated to helping people regain control of their financial lives.

Hello,
I'm Julia Penate

—wife, mother of three, and co-founder of Fresh Start Credit Services. My mission is simple: to help individuals and families take control of their financial futures. Life doesn't always go as planned, and I understand how overwhelming it can be when credit challenges stand in the way of your dreams. But I also believe in the power of fresh starts, real solutions, and the strength of support.

My husband and I founded Fresh Start Credit Services after witnessing countless people teetering on the edge of bankruptcy, feeling stuck and hopeless. We knew there had to be a better way—and so, we created one.

Today, I’m proud to help clients repair their credit, avoid costly financial mistakes, and achieve life-changing milestones—whether it’s getting approved for their first home or driving away in the car they’ve always dreamed of owning.

At Fresh Start, our mission is clear: to provide hope, guidance, and the tools necessary to help you rewrite your financial story. You deserve a future filled with possibilities, and I’m here to walk alongside you every step of the way.

Hello, I’m Jonathan Penate

a proud father of three and a devoted husband, as well as the CFO of Fresh Start Credit Services. With over 18 years of experience in sales and customer service, and 12 years as an entrepreneur, I have developed a strong passion for empowering others to succeed.

At Fresh Start Credit Services, we are driven by the mission to help individuals rebuild their credit, restore their financial health, and get back on track to achieve their dreams. I firmly believe that everyone deserves a second chance, and I am dedicated to guiding my clients toward the financial freedom they deserve—whether it's owning their dream home, purchasing a car, or simply gaining control over their financial future.

My vision is clear: to transform lives, one credit score at a time. At Fresh Start, we’re not just fixing credit; we’re helping to unlock the doors to a brighter, more secure future.

Contact 

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Julia Penate

e-mail: julia@freshstartcreditservices.com

Jonathan Penate

e-mail: jonathan@freshstartcreditservices.com

Fresh Star - Credit Services