Control Your Data

Control Your Credit

Whether you are a consumer trying to monitor your credit or a business expanding your lending products, we have a solution for you.

Learn how we collect and use your information by visiting our Privacy Policy›

 

FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.

Your Data Is

Out Of Control

Hundreds of data miners, dozens of consumer reporting agencies, and 3 separate algorithms. What could go wrong? 😅
Learn more

Learn how we collect and use your information by visiting our Privacy Policy›

 

FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.

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THE PROBLEMS

1 In 3 Credit Reports

Has An Error

Why is this happening? Every time you go to a bank, order pizza 🍕 or take out a loan, etc. you share your personal info. Some companies have the privilege to store that data and use it for marketing, selling, and other purposes.
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CORPORATE COMPANIES ARE WATCHING YOU
Data​ ​brokers​ ​freely​ ​collect​ ​and​ ​resell​ ​records​ ​with​ ​your​ ​personal​ ​information,​ ​spreading​ ​intimate details​ ​from​ ​one​ ​person​ ​to​ ​another.​ ​​ ​These​ ​companies​ ​know​ ​about​ ​you​ ​more​ ​than​ ​your​ ​friends, relatives​ ​or​ ​neighbors​ ​do.
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DATA BROKERS CAN PREDICT YOUR BEHAVIOUR
The​ ​more​ ​a​ ​company​ ​knows​ ​about​ ​a​ ​customer’s​ ​interests,​ ​the​ ​better​ ​they​ ​can​ ​promote​ ​specific products​ ​to​ ​their​ ​target​ ​audience.​ ​To​ ​aid​ ​with​ ​that​ ​goal,​ ​businesses​ ​use​ ​both​ ​online​ ​and​ ​offline data​ ​about​ ​consumers​ ​to​ ​determine​ ​what​ ​advertisements​ ​to​ ​show​ ​them​ ​online.
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UNVERIFIED PUBLICALLY AVAILABLE DATA COMPROMISES YOUR REPUTATION
Employers​ ​do​ ​not​ ​have​ ​to​ ​dig​ deeper ​to​ ​find​ ​out​ ​whether​ ​you​ ​are​ ​a​ ​trustworthy​ ​person​ ​or​ ​a​ ​good employee.​ ​All​ ​they​ ​have​ ​to​ ​do​ ​is​ ​to​ ​Google​ ​your​ ​name.​ ​Data​ ​brokers​ ​collect​ ​your​ ​personal​ ​data but​ ​don't​ ​bother​ ​to​ ​verify​ ​its​ ​validity.​ ​Any​ ​untrue​ ​or​ ​erroneous​ ​information​ ​about​ ​you​ ​could​ ​harm your​ ​future.
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MARKETERS USE INFORMATION TO TARGET YOU
Brokers​ ​store​ ​data​ ​about​ ​nearly​ ​every​ ​U.S.​ ​consumer.​ ​Your​ ​purchase​ ​behavior,​ ​financial​ ​habits, personal​ ​interests​ ​, and​ ​consumer​ ​information​ ​is​ ​a​ ​valuable​ ​commodity​ ​to​ ​marketers.​ ​They​ ​claim to​ ​do​ ​this​ ​in​ ​order​ ​to​ ​enhance​ ​your​ ​shopping​ ​experience​ ​and​ ​offer​ ​to advertise​ ​targeted​ ​to​ ​your interests.​ ​As​ ​a​ ​result,​ ​you​ ​just​ ​spend​ ​more​ ​and​ ​more.
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SENSITIVE DATA CAN FALL INTO THE WRONG HANDS
With​ ​all​ ​variety​ ​of​ ​data​ ​displayed​ ​on​ ​a​ ​general​ ​view,​ ​there​ ​are​ ​more​ ​chances​ ​to​ ​become​ ​a​ ​victim of​ ​identity​ ​theft​ ​than​ ​ever​ ​before.​ ​Social​ ​network​ ​shares,​ ​likes,​ ​subscriptions,​ ​telephone​ ​orders, and​ ​online​ ​transactions,​ ​personal​ ​addresses,​ ​age​ ​, and​ ​zip​ ​codes-​ ​this​ ​is​ ​just​ ​the​ ​tip​ ​of​ ​the iceberg.​ ​It​ ​takes​ ​seconds​ ​for​ ​scammers​ ​to​ ​find​ ​personal​ ​data​ ​about​ ​you​ ​and​ ​your​ ​family members.
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PUBLIC RECORDS PUT YOUR KIDS IN DANGER
There​ ​are​ ​certain​ ​regulations​ ​limiting​ ​collecting,​ ​selling​ ​, and​ ​using​ ​private​ ​data​ ​directed​ ​to children​ ​under​ ​the​ ​age​ ​of​ ​13.​ ​However,​ ​sites​ ​like​ ​whitepages.com​ ​confess​ ​they​ ​may​ ​publish information​ ​for​ ​children​ ​unknowingly.
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COMING SOON
FOR CONSUMERS

Connect, Monitor, and Build Your Credit For Free Anywhere In Seconds

Learn how we collect and use your information by visiting our Privacy Policy›

 

FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.

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PROTECT YOUR IDENTITY
Protect yourself from identity theft with free data breach monitoring service available through the app.
Learn more
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PRIVACY MADE EASY
Leverage the power of blockchain to create a fully decentralized, digital identity that only you control.
Learn more
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MONITOR YOUR CREDIT SCORE
Quickly check your credit score and monitor your credit without exposing your data, all for free.
Learn more
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ALL-IN-ONE SIMPLE APP
Everything you need to take control of your identity and credit, all in one simple app.
Learn more
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REPORT YOUR MONTHLY PAYMENTS
Add rent, cellphone, and utility payments as well as any other accounts you make monthly payments on.
Learn more
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DISPUTE INACCURATE ACCOUNTS
Generate clear, specific, and trackable dispute letters instead of manually writing and mailing them by hand.
Learn more
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CLAIM DIGITAL ASSETS
Claim your cryptocurrencies on other platforms and digital assets like NFTs to boost your credit score in real-time.
Learn more
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GET REWARDED FOR YOUR DATA
When you sync data with the network you will receive newly minted FRESH tokens.
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STEP ONE

Recover Your Data

From The Internet

We recover your information from over 150+ online databases before verifying your consumer reports to give you the best results possible.
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IDENTIFYING DATA
Name, address, birth date, phone numbers, email address, social security number, driver’s license number
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FINANCIAL DATA
Annual income, credit score, credit card info, ownership of stocks or bonds, recent mortgage borrower, life insurance, loans
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DEMOGRAPHIC DATA
Age, height, weight, marital status, country of origin, education level, occupation.
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PURCHASE BEHAVIOUR
Amount spent on goods, buying activity, number of orders, buying channel preference, types of purchases, type of food purchased, type of entertainment purchased.
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MEDICAL DATA
Ailments and prescriptions, allergy sufferer, health insurance plan, weight loss & supplements, disability insurance, purchase history in health topics, a smoker in the household.
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PUBLIC RECORDS
Court and public record data, social media and technology data, general interest data, home and neighborhood data, vehicle data, travel data, and other biographical facts.
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STEP TWO

Begin The Data

Verification Process

We request the consumer databases Experian, Transunion, & Equifax, to verify the information they are reporting on your file. Or provide proof in some written form.
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NATIONWIDE CONSUMER REPORTING COMPANIES
There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian. Their reports contain information about your payment history, how much credit you have and use, and other inquiries and information.
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EMPLOYMENT SCREENING
Employment screening companies provide verification information such as credit history, employment, salary and education and professional license verification to employers and others.
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TENANT SCREENING
Tenant screening companies provide reports to landlords and residential real estate management companies. If you are applying as a tenant for a residential property a tenant screening report with negative information in it, such as past due rent, could result in a rejected lease application or a lease with tough conditions.
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CHECK AND BANK SCREENING
Check and bank screening companies collect and report data on checking account applications, openings, and closures as well as check screening services like check verification.
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PERSONAL PROPERTY INSURANCE
Personal property insurance reporting companies collect and report information on consumers’ home, auto, and personal property.
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MEDICAL RECORDS
Medical consumer reporting companies share information on your medical data if you authorized the release of your medical records to an insurance company.
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LOW-INCOME AND SUBPRIME
Low-income and subprime reporting companies provide consumer information to companies that market and sell products and services specifically to lower-income consumers and credit applicants with impaired credit records.
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SUPPLEMENTARY REPORTS
The information that some consumer reporting companies sell is used to supplement other data, such as the credit data the nationwide consumer reporting companies sell about you. This information can include public records and ID verification data to help firms manage credit and fraud risks.
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UTILITIES
These companies collect information associated with telecommunications, pay TV, and utility (electric, gas, water) services to help companies in these industries manage customer relations.
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RETAIL
These companies collect information related to retail product return and exchange fraud and abuse.
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GAMING
These companies share consumer data associated with check cashing settlement services to assist gaming establishments such as casinos and racetracks with risk management.
Learn more
COMING SOON
FOR CONSUMERS

Connect, Monitor, and Build Your Credit For Free Anywhere In Seconds

Learn how we collect and use your information by visiting our Privacy Policy›

 

FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.

Image
PROTECT YOUR IDENTITY
Protect yourself from identity theft with free data breach monitoring service available through the app.
Learn more
Image
PRIVACY MADE EASY
Leverage the power of blockchain to create a fully decentralized, digital identity that only you control.
Learn more
Image
MONITOR YOUR CREDIT SCORE
Quickly check your credit score and monitor your credit without exposing your data, all for free.
Learn more
Image
ALL-IN-ONE SIMPLE APP
Everything you need to take control of your identity and credit, all in one simple app.
Learn more
Image
REPORT YOUR MONTHLY PAYMENTS
Add rent, cellphone, and utility payments as well as any other accounts you make monthly payments on.
Learn more
Image
DISPUTE INACCURATE ACCOUNTS
Generate clear, specific, and trackable dispute letters instead of manually writing and mailing them by hand.
Learn more
Image
CLAIM DIGITAL ASSETS
Claim your cryptocurrencies on other platforms and digital assets like NFTs to boost your credit score in real-time.
Learn more
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GET REWARDED FOR YOUR DATA
When you sync data with the network you will receive newly minted FRESH tokens.
Learn more
STEP THREE

Enforce Your

Consumer Rights

After verifying your consumer reports if you disagree with the outcome we file a report with the CFPB providing USPS tracking details to hold the credit bureaus accountable. This can often happen simply by being caught in an endless loop with E-Oscar. Filing a complaint with the BBB and Attorney General is the next step if a positive resolution is not possible.🚨
CHECK SOURCE
Learn more
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COMING SOON
FOR CONSUMERS

Connect, Monitor, and Build Your Credit For Free Anywhere In Seconds

Learn how we collect and use your information by visiting our Privacy Policy›

 

FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.

Image
PROTECT YOUR IDENTITY
Protect yourself from identity theft with free data breach monitoring service available through the app.
Learn more
Image
PRIVACY MADE EASY
Leverage the power of blockchain to create a fully decentralized, digital identity that only you control.
Learn more
Image
MONITOR YOUR CREDIT SCORE
Quickly check your credit score and monitor your credit without exposing your data, all for free.
Learn more
Image
ALL-IN-ONE SIMPLE APP
Everything you need to take control of your identity and credit, all in one simple app.
Learn more
Image
REPORT YOUR MONTHLY PAYMENTS
Add rent, cellphone, and utility payments as well as any other accounts you make monthly payments on.
Learn more
Image
DISPUTE INACCURATE ACCOUNTS
Generate clear, specific, and trackable dispute letters instead of manually writing and mailing them by hand.
Learn more
Image
CLAIM DIGITAL ASSETS
Claim your cryptocurrencies on other platforms and digital assets like NFTs to boost your credit score in real-time.
Learn more
Image
GET REWARDED FOR YOUR DATA
When you sync data with the network you will receive newly minted FRESH tokens.
Learn more

      Let's stay connected. We lead the industry in data interoperability and integrations.

      We lead the industry in data interoperability and integrations.

      Learn how we collect and use your information by visiting our Privacy Policy›

       

      FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.