What is CreditFresh?

Dena Standley | May 24, 2023

CreditFresh is a fully integrated technology and service solution provider that works with financial institutions to provide credit to consumers. To collect on delinquent or charged-off accounts, CreditFresh hires debt collectors and incentivizes them to be aggressive and relentless.

CreditFresh debt collectors have often violated the law, particularly the Fair Debt Collection Practices Act (FDCPA) consumer protections. But you can defeat CreditFresh even if they sue you, or you can settle the debt for good before going to court.

CreditFresh’s lending practices know they are unlikely to get full repayment on every debt, which is why they engage in high-pressure collection tactics. Using SoloSettle can often help you settle your debt with CreditFresh for a fraction of what they claim you owe. Visit SoloSuit today to learn about your options for fighting back.

How does CreditFresh operate?

Founded in 2019, CreditFresh offers credit lines to borrowers in 15 states. Despite their customers complaining a lot about credit fees, the company's website is sparse and doesn't provide enough information.

CreditFresh's Line of Credit availability varies by state and is entirely online. The company specializes in making loans to those with low credit scores, and the lines of credit can range from $500 to $5,000. They market “fast funding,” which can appeal to those experiencing an immediate financial crisis. The business model relies on exorbitant interest rates to cover the risks associated with lending to consumers that other lenders consider “high-risk” and putting cash quickly in the hands of consumers.

When you request credit from their website, you may receive credit from several banks, including CBW Bank and First Electronic Bank, which are Federal Deposit Insurance Corporation (FDIC) members.

CreditFresh’s contact information is listed below:

Headquarters: 200 Continental Dr. Ste 401, Newark, Delaware, 19713, United States
Phone Number: (800) 766-2007
Website: www.creditfresh.com

CreditFresh information for consumers

CreditFresh offers loans at extremely high-interest rates and practices what can only be described as a bait and switch. Consumers are told they are approved for a loan amount, but in the “verification” process, they often learn they are approved for far less and at a higher interest rate than initially quoted. The Better Business Bureau does not accredit CreditFresh and gives the company an F rating.

CreditFresh gives the following warning on its website:

"A Line of Credit through CreditFresh is an expensive form of credit and should not be used as a long-term financial solution."

When a company places such a warning on its website, albeit in the small print at the bottom, consumers should always proceed with caution.

Its tactics often fall within the predatory lending category by placing unfair and abusive loan terms on unsuspecting consumers. The starting APR (annual percentage rate) for CreditFresh is a whopping 65% and can reach 200%. The fee structure for CreditFresh also lacks transparency, making it difficult for consumers to determine how much they will be paying in fees for money borrowed.

Respond to a debt lawsuit against CreditFresh

Knowing what to do when served with a lawsuit will make the entire process smooth and increase your chances of success. Instead of hiring an attorney to represent you in court, you can save time, money, and stress by representing yourself. SoloSuit can help you prepare your court documents for success in court.

To respond to a lawsuit against CreditFresh, follow these three steps:

Not a fan of reading? Here is a video instead:

1. Answer each claim in the Complaint

You should focus most of your Answer document on responding to the specific claims or allegations listed in the Complaint. Depending on the allegation, you can admit, deny, or deny due to lack of knowledge.

2. Assert your affirmative defenses

Collection lawsuits are typically filed by creditors or debt buyers, like CreditFresh in this case. This means they have the burden of proving they can collect the debt. The plaintiff must present admissible evidence to prove the lawsuit is true, which can be tricky. Some examples include:

• CreditFresh failed to provide a legal basis for the lawsuit.
• Statute of limitations: On average, this is between four and six years, but it can be as long as 20 years.

3. Send a copy of your Answer to CreditFresh after you file it in court

After drafting your Answer, you should file it by the deadline set by the court. Your state laws determine how long you have to reply to a debt lawsuit. Additionally, please make a copy of the Answer and mail it by certified mail to CreditFresh's attorneys.

Settle your debt with CreditFresh

Debt collectors often purchase your debt for pennies on the dollar, which means they settle debt collection lawsuits for less than you owe. With SoloSettle, you can easily negotiate a debt settlement with CreditFresh.

In most cases, you can get CreditFresh to settle for a portion of the debt rather than paying the whole amount. Watch this video to learn more about how to settle a debt with CreditFresh:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court