Who Is FreshFICO?

A Fresh Outlook on Lending.

FreshFICO is a group of financial professionals who specialize in loans and debt reduction. At FreshFICO, we’ve learned to lend to the person and not simply the FICO score.

Our team enjoys helping people who have endured the endless cycle of credit card debt and ready for financial stability. If you need help or feel overwhelmed by unusually high compounding interest rates, give us a call. We offer comprehensive loan packages that can dramatically lower your monthly minimum payment, and save you thousands.

Below are some of the products we offer our valued customers.

Our Mission:

Our customers choose us because we are not successful unless you are successful. Meaning, if you don’t complete the program we enroll you in, then we do not get compensated. Our clients believe we can deliver the best results for their particular situation. We have experienced financial consultants working closely with specialized Independent FDCPA lawyers to give you the best results.

Our strategies are based on utilizing various consumer protection laws or working closely with nationally sanctioned, ISO certified, servicing centers to eliminate your financial stress. We have over 60 years of collective financial management service and have partnered with the most respected companies in the industry. Our Goal is simple: eliminate our clients debt burden in the shortest amount of time possible.

We have helped thousands of families become debt free and we can help you too!

Understanding Debt Validation:

Debt Resolution, also known as Debt Validation, refers to a consumer’s right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer’s rights under the United States Federal Fair Debt Collection Practices Act (FDCPA). Upon disputing this debt, if the creditor cannot verify the debt, then they cannot collect on the debt.

Your case manager will request original financial documents for all debts belonging to a particular client. If there is no ownership evidence linking the debts to a particular client, then those debts are invalidated.

Therefore, those debts are invalid and the client is protected under debt collection laws. In addition, if the creditor harasses the client during the process (which is a clear violation of the FDCPA) during the process, your case manger will use this violation against the creditor to help completely eliminate your debt.

Debt Validation has quickly become one of the leading ways in America to eliminate debt and the burden of financial stress.


FDCPA has set rules for creditors – are yours following them? Enrollment in this program involves education, invalidation, and credit repair, and may make the debt go away right away – typical program length is 18-24 months.


Frequently Asked Questions:

Are Your Consultations Really Free?

Yes! We only benefit by assisting our clients in finding the best, most cost effective debt solutions available to them.

Why Haven't I Heard Of Debt Validation Before?

The process of debt validation is a legal way for people to resolve their debts in a timely and cost effective manner. The big banks and credit card companies certainly don’t advertise this as an option. They want to charge high fees and interest rates to as many people as possible.

Will I Be Speaking To Someone In The USA?

Absolutely. All of our team members and representatives are located here in the United States. We take pride in our high level of customer service and look forward to assisting you in resolving your debt challenges. It’s what we’re great at!

Our Full Range of Services Include:

Account Validation
The process of invalidating erroneous debts is an analysis of your credit report and preparation of correspondence to your creditors or collection agencies seeking validation of your debts. Once you are enrolled in our validation program, a dispute package is sent to each creditor and collection agency demanding that they provide the correct documentation and proof of their right to collect from you pursuant to state and federal law.

If the creditors and collection agencies are unable to provide accurate documentation, which we find is often the case, the debt is classified as invalid and therefore is unable to be collected upon.

Once the accounts have been deemed invalid, we begin working with the credit bureaus to eliminate any derogatory marks on your credit report associated with those accounts. Over time, this repairs your credit score. This is the most effective way to eliminate invalid debts and repair your credit while expending the least amount of money.

Personal Loans
Pay off credit cards, debt or cover expenses and consolidate those high interest rates saving you thousands a year. Personal loans have monthly payments and NO PREPAYMENT PENALTY. Funding in 24-hours. Our financial experts will find the right loan for you.
Business Loans
We know cash flow is critical to running a successful small business. Money can grow your business, pay off debt and not be on the hook personally. Business loans allow you to leverage your business assets to get the capital you need to keep things running smooth.Whether you are looking to maintain your current company needs, or trying to grow your business, let our experts help.
Mortgage Loans
Refinance or purchase loans made easy. Whether you are buying a new home or taking advantage of todays low rates for a refinance or cash out, we make it easy.

With FreshFICO you're never alone.

A Representative will be with you every step of the way. Call Today!

(949) 945‑2473

Contact Us

27126 Paseo Espada #724
San Juan Capistrano, CA 92675

Call 949-945-2473