Clear steps. Fair pricing.

Repair your credit. Rebuild your options.

Personalized credit dispute support built around your reports—not a one-size-fits-all template. Start with a free review, pay no upfront fees, and cancel anytime.

Compare plans See how it works
  • No upfront fees
  • Cancel anytime
  • Metro 2-compliant process

A process you can follow.

You deserve to understand what is happening with your credit—not just wait for vague updates. Each step is designed to keep the work focused and transparent.

  1. 01

    Enroll in credit monitoring

    Sign up through the NexGen Fiscal MyFreeScoreNow link so your current reports can be reviewed and monitored. The service costs about $24 per month, paid directly to the monitoring provider and separate from your NexGen Fiscal plan.
    Enroll with MyFreeScoreNow

  2. 02

    Review your reports

    We examine all three bureau reports, identify the negative items you want reviewed, and explain which plan fits the amount and complexity of the work.

  3. 03

    Build your dispute strategy

    Your round is prepared using a Metro 2-compliant process. Depending on your plan, this may include bureau disputes, inquiry disputes, creditor intervention, or debt validation letters.

  4. 04

    Track responses and adjust

    As responses arrive, we review the results, explain the next move, and continue with the services included in your selected plan.

Fair plans for real budgets.

Choose by the number of items and level of support you need. Every paid plan has no upfront fee and can be canceled anytime.

Start with a free consultationThree-bureau review and a recommended game plan.
Request your free consultation
Focused start

Basic

$65per month
  • Up to 10 negative items
  • Disputes across all three bureaus
More support

Premium

$89per month
  • Up to 25 negative items
  • Inquiry disputes
  • Monthly coaching call
Complex files

Superior

$119per month
  • Unlimited negative items
  • Direct creditor or collector intervention
  • Debt validation letters
Credit + funding

VIP

$149per month
  • Everything in Superior
  • Personal and business funding roadmap
  • Priority processing and direct line

Monthly plan charges are for work completed during that service period, with no enrollment or setup fee. Credit monitoring through MyFreeScoreNow costs about $24 per month and is paid separately to the monitoring provider in addition to your NexGen Fiscal plan.

Beyond the dispute process

Build toward your next opportunity.

VIP clients get a practical funding roadmap shaped around personal credit cards, business credit, and business funding readiness. The goal is a stronger application—not a promise of approval.

Personal credit cardsUnderstand your profile and plan applications thoughtfully.
Business fundingReview business readiness and the information lenders commonly consider.

Good questions, clear answers.

Credit repair is a process, not a quick promise. Here is what to expect before choosing a plan.

What does “Metro 2-compliant” mean?

Metro 2 is the standardized format used by data furnishers to report account information to the major credit bureaus. NexGen Fiscal uses that framework to review how information is being reported and to prepare focused disputes.

Can you guarantee a specific score increase?

No. Credit results vary by person and no legitimate service can promise a particular score change or removal timeline. Accurate, verifiable information may remain on your reports.

When am I charged?

There are no upfront enrollment or setup fees. Monthly charges cover work performed during the service period. You may cancel anytime.

How do I know which plan fits?

The free consultation starts with a review of all three credit reports. The number of items, type of issues, and level of support you want will determine the best fit.

Does VIP guarantee funding?

No. VIP includes education and a personalized roadmap for personal or business funding readiness. All approvals, limits, rates, and terms are decided by individual lenders.

Book your free consultation.

Tell us where to reach you and what's hurting your credit. We'll contact you to schedule your three-bureau review — no portal signup needed first.

  1. 1
    Request your consultation

    Send your info with the form. It lands in our inbox right away.

  2. 2
    Pull your credit reports

    Use our MyFreeScoreNow link to pull your current three-bureau reports (about $24/mo, paid to the monitoring provider, separate from any plan) so we can review them together.

  3. 3
    Review them together

    We go through your reports item by item and recommend the plan that fits — or nothing at all, if you don't need us.

No spam, no pressure. Your info only goes to NexGen Fiscal.

Start with the full picture.

Your free consultation begins with a three-bureau review and a straightforward recommendation. Bring your latest reports so the conversation can focus on the items that matter.

Email: [email protected]
Phone: (737) 356-1884
Already a client? Open your client portal

For your consultation, have ready:
  • Current reports from all three bureaus
  • The negative items you want reviewed
  • Your credit and funding goals