Tampa, Florida · Se habla español
Let’s improve your credit score
A free consultation, a free in-depth analysis of your report, and free recommendations — in English or in Spanish, before you pay anything.
What you will get
You will always know what is happening
No jargon and nothing to learn. We tell you what we have done, in plain words, in English or in Spanish — and you can ask us anything at any hour.
In your languageEnglish or Spanish, on the phone, in the portal and in every document we prepare.
Good morning. The letters for the items you chose went out today.
Thank you! What happens now?
They have to answer. As soon as one of them writes back, I will tell you what they said.
Buenos días. Ya enviamos las cartas. Le aviso apenas tengamos respuesta.Español
Today
One of them has replied. Shall I read it with you?
At any hourDay or night, from any phone or computer, without waiting for an office to open.
Example messages, not a real client. Accurate, current and verifiable information cannot be removed from a credit report.
- We do the paperwork
You choose which inaccurate, erroneous, false or obsolete items get challenged. We prepare every document that goes out.
- You are never left wondering
An email when something moves, a status you can check yourself, and a person who answers in your language.
How it works
Three steps, and you only do the first one
The process the portal runs today, in the order it actually happens.
- 01
Sign up
You create an account on the secure portal, give us the basic personal information we need, and we obtain your credit report. This is the only step that asks anything of you.
- 02
Review
A dedicated credit expert reads the report, identifies the negative items, and devises a strategy tailored to your file. You choose which items you want disputed.
- 03
Relax
We prepare and submit the correspondence, and you get regular progress updates — on any computer or smartphone, day or night, without calling anybody.
Why work with us
Having great credit is more important than ever. But why work with us?
- We are a company with integrity. Credit education and correction is legal, and the law is on your side.
- We are very experienced with consumer, business and mortgage credit. We have spent a great deal of time learning the laws that apply to your report.
- We will be intimately involved with your credit repair experience. An experienced case analyst and case advisor works personally with you throughout.
- We will be there for you every step of the way. We help and guide you from start to finish and prepare all of the documentation for the various credit agencies.
- Our fees are reasonable and there are NO long binding contracts. You may cancel services at any time — notify us in writing 7 days before the next billing period.
Before we talk about your score
79%
of credit reports contain errors. That is nearly 8 out of every 10.
Source: U.S. PIRG, Mistakes Do Happen, 2004 — the study behind the figure our own site has published for years.
The Fair Credit Reporting Act gives you the right to dispute any item on your report. If an item cannot be verified within a reasonable time, usually 30 days, it must be removed.
How credit scores work
Half the scale is called “poor”
300 to 850, drawn at its true proportions. The bottom band is 280 of the 551 points on the scale, which is why moving out of it changes the rate you are offered — and on an average-priced home, twenty points is worth tens of thousands of dollars in interest.
- Poor300–579
- Fair580–669
- Good670–739
- Very good740–799
- Excellent800–850
This is the published FICO range. It describes how scoring works — it is not a claim about your score or about what we can do for it.
The whole range
Our track record
Numbers we can actually stand behind
- 60 Points, average client increase over 6 months These are our past averages, not a promise. Every situation is different.
- 93% Of clients up 10 points or more within 35 days Our own record, measured at 35 days.
- 97% Of clients up 10 points or more within 90 days Our own record, measured at 90 days.
- Mortgage brokers
- Realtors
- Tax professionals
- Attorneys
- Auto dealers
- Insurance agents
Pricing
The price, before you call anybody
Credit education and document preparation. Everyone else in this market makes you ring up to find out. Here it is.
| Monthly $99/mo Fees as low as $99 a month. | Custom Let’s talk Built around your file, quoted in writing. | |
|---|---|---|
| Hourly fee | None | None |
| Hidden fees | None | None |
| Long binding contract | No | No |
| Case status, any device | 24/7 | 24/7 |
| English and Spanish | Yes | Yes |
| Free credit audit | Get a quote |
Visa, Mastercard and American Express accepted; billing is handled in the client portal. You may cancel services at any time — please notify us in writing 7 days before the next billing period. 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.
Client testimonials
These people had amazing results
Great experience from start to finish! The process was easy to understand, and I finally feel confident about my credit.
Next Step client Tampa, FL
Professional, knowledgeable, and truly supportive. Next Step Credit Solutions helped me understand exactly what I needed to do.
Next Step client Tampa, FL
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.
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.