Fresh Start Programâ„¢

Everyone deserves a new beginning. With our Fresh Start Program, we are here to help you get yours.

Is Fresh Start for Me?

Did an emergency or life transition damage your credit? Did “past you” make some bad financial decisions? Have you been turned down for a loan? New to the country and building a new life? Bankruptcy or consumer proposal? Identity theft? If you have bad credit and are ready to change your financial future, then Fresh Start is for you.
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Why It Works

When applying for credit in Canada, banks use your credit score to determine how risky it is to lend you money. A bad credit score can mean that they won’t lend to you (or if they do, they will charge very high interest rates). Learn how credit works. Payment history is like the scorecard for your credit score. Doing something well will increase your credit score. If you perform not so well, you end up behind. Our Fresh Start Program gets you back to the financial basics — saving, making responsible payments, and keeping track of your progress along the way. Every payment you make in the program gets reported to the “judges” (credit bureau) as positive, and they increase your score accordingly.
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How It Works

When you sign up for Fresh Start, we don’t ask for your credit score (yes, really). We trust that you want to get back on track. All we need to know is that you are making the commitment to rebuilding your credit. We start by working through which of our program amounts suit you. Then we set up affordable payments for your budget and lifestyle. Each payment has a small portion of interest, so we can report your program as an ‘installment loan’ to the credit bureau. This proves to lenders that you are responsible and able to meet your money commitments over a period of time. But wait, there’s more! While there may not be money upfront, these payments you have been making are building up a little nest egg for you at the end. As only a portion of your payments go to interest and fees; the rest in your program is yours! So by finishing the Fresh Start Program, you get a new and improved credit score, the trust of lenders, a chunk of change to spend however you like, and the financial freedom to get the credit you need (at an affordable interest rate) whenever you need it.
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Six months ago I came with a credit score of ZERO. I was assured Refresh would help my credit and was asked to come back in six months to check again. I was blown away when I found out I had good credit. It was beyond my expectations and I qualified for a loan. I was very impressed with the professional and genuine helpful service I received. I've since and will continue to recommend Refresh to friends, family, and people at work with confidence that they too will be satisfied. Thanks everyone! "

Lucas, Niagara Falls, ON