Fresh Start Approvals

Struggling with Past Financial Hurdles? We've Got Your Back!

At Fresh Start Approvals, we believe in second chances. Facing challenges like evictions, broken leases, or less-than-perfect credit shouldn't stop you from accessing the essentials in life. Whether it's securing a cozy apartment, driving off in a new car, or getting that much-needed credit card, we're here to turn your aspirations into reality. We've partnered with numerous understanding and flexible properties ready to welcome you with open arms.

Hear It From Our Satisfied Clients!

Don't just take our word for it. Our happy clients speak volumes.**

- "A game changer!"

"Was about to give up after numerous rejections. Then, I stumbled upon Fresh Start. The team was quick, approachable, and surprisingly affordable. They answered all my queries promptly, and I was signing my apartment lease in no time. They’re my go-to now and forever."

— Jamie, Raleigh, NC

- "Finally, a team you can trust!"

"Been let down too many times, but Fresh Start changed that narrative. Their genuine assistance and transparency were refreshing. I’m gearing up for my next apartment application, all thanks to them. A heartfelt thank you!"

— Alex, Phoenix, AZ

- "Exceptional service and unbeatable prices."

"Couldn't believe the efficiency and the affordability. A big thank you!"

— Casey, Fort Lauderdale, FL

- "From application to approval, so seamless."

"Secured my dream condo and car faster than I imagined. The team was incredibly kind. Thank you so much!"

— Taylor, Houston, TX

Give Us A Try

We’re here for you, ready to help you leap over those financial hurdles.

Operating Hours:

- Monday to Friday: 9:00 AM - 5:00 PM

- Saturday & Sunday: Closed

Start your journey towards financial recovery and freedom with Fresh Start Approvals. Let’s leave the past behind and work together towards a brighter future

Second Chance Approvals Form

Name

First Name

Last Name

Phone

(###)

###

####

Choose Second Chance Focus

Select Area You Need A Second Chance On

Number

SSN

Address

Address 1

Address 2

City

State/Province

Zip/Postal Code

Country

Thank you!

Here's how everything works:

CAR LOAN CONVERSION -

A car loan conversion typically refers to a process where a consumer obtains financing for a vehicle purchase, but instead of the dealership directly selling the car to the consumer, a different arrangement is made involving a purchase order and a loan from a bank or financial institution. Here’s a breakdown of how this process usually works:

1. Loan Application: The customer applies for a car loan through a bank or credit union, often with the help of the dealership. This application includes details about the intended vehicle and the buyer's financial information.

2. Purchase Order: Instead of the dealership completing the sale in the traditional sense, they may issue a purchase order to the bank or financing institution. This document outlines the details of the vehicle being purchased and the agreed-upon price.

3. Bank Financing: Upon approval of the loan application, the bank issues a check for the loan amount. This check is usually made out to the dealership, signifying that the bank is covering the purchase price of the vehicle.

4. Dealership Receives Payment: The dealership receives the check from the bank. They cash the check and then provide the customer with the vehicle.

5. Cash to Customer: In some cases, the dealership might give the customer cash back, minus any fees or charges. This could include a percentage of the loan amount (e.g., a 15% fee as mentioned in your description), although this specific fee structure can vary based on the dealership and the terms of the loan.

6. Documentation: The dealership handles the necessary paperwork to finalize the sale, including title transfer and registration. This documentation shows that the vehicle has been sold, despite the unique financing arrangement.

7. Monthly Payments: The customer then makes regular monthly payments (the car note) directly to the bank or financial institution that provided the loan. This payment typically includes both principal and interest.

### Key Points to Note:

- Fee Structure: The dealership may charge fees for processing the loan or facilitating the transaction. This should be clearly outlined in the agreement.

- Ownership: The customer technically owns the vehicle once the dealership completes the sale and the paperwork is filed, even though the bank holds the title until the loan is paid off.

- Legal and Financial Implications: It's essential for the customer to understand the terms of the loan, the fees involved, and the implications of the financing arrangement. This can vary significantly from one dealership or financing institution to another, so it’s important to read the fine print.

- Regulatory Compliance: The dealership must comply with all relevant laws and regulations regarding vehicle sales and financing, which can vary by jurisdiction.

SECOND CHANCE RENTAL PROCESS:

The concept of "second chance rental approval" often refers to a process that allows individuals with poor or insufficient credit histories to secure rental housing.

### Second Chance Rental Approval Process

1. Application for Rental: Individuals seeking to rent a property apply through a landlord, property management company, or rental agency. This application typically includes personal information, credit history, employment details, and rental history.

2. Credit Challenges: Many applicants may face challenges due to poor credit scores, past evictions, or other negative rental history. This can make it difficult for them to secure a rental.

3. Use of Secondary Social Security Numbers (SSNs): In some cases, individuals might attempt to use a secondary SSN or a variation of their own SSN.

4. Building a Credit Profile: The individual may pay to help them create a new credit profile. This may involve:

- Adding Trade Lines: The company can help individuals establish credit by adding them as authorized users on existing credit accounts, known as trade lines. This can artificially inflate their credit score if the primary account holder has good credit.

5. Rental Approval: With a newly established or improved credit profile, individuals then apply for rental properties. If the landlord or property management company runs a credit check, they may find a favorable credit history, leading to approval.

6. Normal Rent Payments: Once approved, individuals pay their rent just like any other tenant. They may continue using the created profile to secure housing in the future.