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Free credit audit
Hands sorting printed pages into labelled folders on a dark table.

Our services

We read the report. You choose what to dispute.

Credit education and document preparation. We evaluate your reports with you, you decide which items to challenge, and we prepare every document that goes out.

Free credit audit

  • Fees from$99 a month
  • Binding contractNone
  • Case status24/7, any device

Our process

What we actually do

Credit education and document preparation, end to end.

  1. 01

    The problem

    We pull all three files and read them with you.

  2. 02

    We find it

    A case analyst marks what is inaccurate, erroneous, false or obsolete.

  3. 03

    You choose

    You decide which items get challenged. Nothing goes out without you.

  4. 04

    We dispute

    Custom letters prepared and submitted on your behalf.

  5. 05

    They answer

    If an item cannot be verified in a reasonable time, it must come off.

Services include

What you actually receive

  • Personalized dispute options to fit your exact credit repair needs.
  • An experienced case analyst and case advisor working personally with you throughout the process.
  • Custom dispute letters submitted on your behalf.
  • Access to your case status and updated information — 24 hours a day, 7 days a week.

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.

What we can dispute

What we can help you dispute

We challenge what is inaccurate, erroneous, false or obsolete — never what is accurate, current and verifiable.

Get started

Get your free consultation and credit analysis

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.

Free credit audit

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.