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Credit education, written down
Everything we explain on the phone, in one place, in English and in Spanish.
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- Written byThe people who work your file
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From the blog
Start with these three
- Credit basics
What is a credit score, and what actually moves it?
Payment history is 35% of it. Capacity and amount owed is another 30%. Here is the whole formula, and which parts of it you can change this month.
- Your rights
The Fair Credit Reporting Act, in plain language
You may dispute any item on your report. If it cannot be verified within a reasonable time, usually 30 days, it must be removed. What that means in practice.
- Habits
Why your three credit reports do not agree
The average difference between your highest and lowest score across Equifax, Experian and TransUnion is 60 points. That gap is where the errors live.
We publish every article in English and in Spanish.
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No hourly fee, no hidden fees, no long binding contract. We will read your report with you, in English or in Spanish, and tell you what we would do about it.
Or talk to a person+1 (813) 560-5452+1 (813) 438-0250nextc2026@gmail.comWhat happens next1 We read all three of your reports with you.2 We tell you what we would dispute, and why.3 You decide whether to go ahead. No obligation.We are not a law firm. We cannot guarantee any outcome or score increase, and accurate, current and verifiable information cannot be removed. You may dispute items yourself free of charge, and you may cancel within 3 business days.