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We Know We Can Assist you and Help you Achieve a Perfect Credit Score in record time!

Initiate your New Start when you book a consultation. We will review how our company can help you. Consultations are 15 Min. and a mandatory $20 Fee is required.


You will be guided with next steps if and when you decide to become a client. If you already know you are ready to take the leap towards becoming credit worthy, we highly encourage you to complete the intake form and subscribe to our monthly plan. Prices vary between individuals and couples.


Learn More Below!

Founder/ CEO/Operator

of A New Start Credit Repair EST 2020


Hello there! Let me introduce myself, I'm Francine Ray, a passionate individual with a degree in business administration and construction. With over 12 years of experience in credit repair, I have honed my skills in helping people with credit repair, budgeting, and establishing credit. I am dedicated to making a positive impact on people's financial well-being and I am excited to continue helping others on their journey towards financial freedom. Let's work together to achieve your financial goals!


I created A New Start Credit Repair to assist individuals with a new start. I assist with credit repair, savings and budgeting needs. I also walk clients through the home-buying process for no additional cost. 


If you need more time, submit an intake form and a member of our team will reach out to you within 24-48 hrs.