Founder of Fresh Start Credit Solutions & Services

My name is Deanna Lloyd, and like many hardworking people, I once enjoyed excellent credit. I paid my bills on time, managed my finances responsibly, and had the freedom to purchase the things I wanted without worry. But everything changed when I unexpectedly lost my job.

That moment shifted everything.

And suddenly, I understood something that many people never talk about: how quickly good people can end up in difficult credit situations—often through no fault of their own.

As the months passed, my perfect credit slowly slipped away.

Late payments… collections… denials. I went from being approved instantly to being told no for even the most basic things. The rejection was not only unsettling—it was heartbreaking. It made me feel judged, restricted, and labeled as someone I was not.

It opened my eyes to how harsh the credit system can be…

And how hard it is for someone to get back on their feet after a major setback.

I knew I wanted better.

But the system I once navigated with ease now treated me as “untrustworthy” and undeserving of another chance. It was one of the most frustrating and discouraging periods of my life. But instead of staying angry or defeated, I made a decision:

Nothing was going to change… until I changed.

I shifted my mindset, rolled up my sleeves, and decided to learn the very system that was working against me. I studied credit laws, scoring models, dispute strategies, and reporting practices. I analyzed my mistakes, built new habits, and created a roadmap that allowed me to take back my power—and my credit.

And it worked.

Not only did I rebuild my own credit, but I began helping friends do the same.

I watched their scores grow, sometimes faster than they imagined. I saw their confidence return. I saw opportunities open again.

And that’s when I knew: this was bigger than just me.

I founded Fresh Start Credit Solutions & Services because everyone deserves exactly that—a fresh start. Sometimes bad things happen to good people. Life gets difficult. Circumstances change. But no one should be defined by their past mistakes or by events outside their control.

At Fresh Start, we believe: Your credit can be rebuilt. Your story can be rewritten.

Your future can be brighter than your past.

You don’t have to let bad credit, high interest rates, or constant denials hold you back.

You can take back control of your purchasing power—and your confidence.

A better credit score and a brighter financial future are just one phone call away.

We’re here to help you begin your new chapter, just like I began mine.

Call today to schedule your free consultation.

Your fresh start begins now!