Your score doesn't
define your future.
Whether it was a job loss, a medical bill, a divorce — or just life — you didn't get here alone, and you won't get out alone either. 150+ clients helped. Real strategies. Real results.
I've been exactly
where you are.
I didn't start this company because I read about credit repair in a book. I started it because I lived it. I know what it feels like to be denied, to be embarrassed at a car dealership, to apply for an apartment and watch the landlord's face change when they pull your report.
In my 30s, I drove trucks to keep the lights on while I figured out exactly how credit works. I made mistakes. I learned from them. And once I understood the system, everything changed.
"This isn't about sending letters. It's about building a real plan, staying consistent, and helping you move with more confidence."
Today, NextUp Enterprise has helped 150+ clients remove inaccurate items, rebuild their profiles, and get approved for the things that matter. Your comeback starts with one conversation.
Simple process. No confusion.
Get started in minutes. Securely access your credit reports and set up your client profile.
Takes less than 10 minImmediate 24/7 client portal access. Upload documents, track disputes, stay informed every step.
Available 24/7We analyze your profile, identify inaccurate items, and begin challenging them with all 3 bureaus.
Most see movement in 45 daysWe guide you on credit builders, utilization strategies, and positioning for real approvals.
Strategy includedAverage timeline: 4–6 months. We stay consistent, keep you informed, and work your case every single month.
Choose your path
to better credit.
No hidden fees. Cancel anytime.
Month-to-Month
Start today, continue month-by-month until you hit your goals.
Cancel anytime — no pressure
- Disputes to all 3 bureaus
- Monthly dispute cycles
- Credit building guidance
- 24/7 client portal access
- ★ Credit monitoring required — SmartCredit $24.99/mo
- Real human support
Credit Builder
12 full months, one flat fee. Pay $997 instead of $1,500 — save $503, over 4 months free.
★ Save $503 vs monthly — like getting 4+ months FREE
⚡ Pay in 4 installments available — 0% interest
- 12 months disputes & coaching
- Disputes to all 3 bureaus
- Credit building guidance
- 24/7 client portal access
- ★ Credit monitoring required — SmartCredit $24.99/mo
- Real human support
Consultation
Not sure where to start? Let’s talk — zero obligation.
Zero obligation, just real advice
- Personalized credit review
- Clear action plan
- No sales pressure
- All your questions answered
Want to do it yourself? We’ve got you covered.
The same strategies professionals use — in your hands today. 21 sections and 80 ready-to-use dispute letters based on FCRA, FDCPA, HIPAA, and TILA.
The same strategies professionals use.
- Credit Monitoring — Pull your reports the right way first
- Personal Information Correction (3 letters)
- Pay-To-Delete Strategy — Get deletion, not just paid status (4 letters)
- Method of Verification — Force bureaus to show their work (3 letters)
- Debt Validation System — Make them prove it before you pay (3 letters)
- Third-Party Reporting Agencies — Hidden reports most miss (6 letters)
- Follow Suit Deletion — Use bureau inconsistencies (1 letter)
- Double Reporting / Double Jeopardy (1 letter)
- Medical Collections — HIPAA Strategy (4 letters)
- Eviction Removal System — Two-phase strategy (4 letters)
- LexisNexis Dispute System — The hidden database (4 letters)
- Late Payment Goodwill + Executive Contact Directory (3 letters)
- Debt Settlement System (3 letters)
- Repossession Dispute System — Audit every layer (14 letters)
- Charge-Off Dispute System — Metro 2 + FCRA + TILA (9 letters)
- Complete Collection Dispute Kit — Full system (18 letters)
One-time payment · Instant PDF download
Built for the person who wants to be hands-on. Maybe the done-for-you service isn't in the budget right now — either way, you deserve access to the same knowledge and strategies professionals use.
- 80 ready-to-use letters — just fill in your info and mail
- Covers FCRA, FDCPA, HIPAA & TILA consumer protection laws
- Step-by-step — each section builds on the last
- Covers collections, charge-offs, repos, evictions & medical debt
- Executive contact directory for major banks & credit bureaus
- Third-party agency list most people never know to check
Want us to handle it? Done-for-you service →
"NextUp helped me understand my credit, start the repair process, and finally feel like I had a plan."
No fluff. Straight answers.
Many clients start seeing changes within 45 days. Most complete the program in 4–6 months. Every file is different — we’ll be honest about what to expect.
No — and any company that does is lying. What we guarantee is a real, consistent process done the right way using actual consumer protection laws.
Not everything is removable. But anything inaccurate, outdated, or unverifiable can be challenged — and that’s exactly what we go after.
The done-for-you service means we handle everything every month. The DIY Kit ($47) gives you the exact same letters and strategies to do it yourself. Both work — the service just saves you the time.
Yes — and this is a big part of what makes us different. We guide you on building your profile so when items come off, your score actually grows.
Cancel anytime. Just email support@nextupenterprise.com or call 570-203-1530. No pressure.
Have a question?
We'll get back to you.
Fill out the form below and we'll respond within 24 hours. You can also email us directly at support@nextupenterprise.com or call 570-203-1530.
```Your comeback starts right now.
Join 150+ clients who’ve reclaimed their financial future. One simple step.
222 Wilkes Barre Twp Blvd #253 · Wilkes Barre, PA 18702