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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.
Also from NextUP
★ Starting a Business? Get 6 Months Credit Repair FREE →
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 included
- Real human support
Credit Builder
6 full months of everything — one flat fee. Commit and save.
Includes 6 full months of service
- 6 months disputes & coaching
- Disputes to all 3 bureaus
- Credit building guidance
- 24/7 client portal access
- Credit monitoring included
- 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."
Building a business?
We fix your credit for free.
Most entrepreneurs spend months piecing together their LLC, branding, website, and banking. We do all of it for you in one package — and include 6 months of personal credit repair at no extra charge.
Properly structured business. Professional brand. Real online presence. And your personal credit being worked at the same time.
"Every business formation package includes 6 months of personal credit repair — completely FREE."
Once your business is set up right, we position you for $10K–$250K+ in business funding based on your profile, revenue, and eligibility.
- LLC formation & legal setup
- Custom logo & brand identity
- Premium 2–4 page website
- Domain + professional business email
- Google Business profile setup
- Business phone & address
- 6 months personal credit repair FREE
Click each to see everything included.
- LLC Registration (state fees not included)
- EIN Setup — Federal Tax ID for banking & taxes
- Registered Agent for 1 year
- Operating Agreement, Meeting Minutes & Company Binder
- Business Structure Guidance from day one
- Custom Logo & Brand Identity
- Premium 2–4 Page Website
- Domain + Professional Business Email
- Google Business Profile setup & optimization
- Business Phone & Address setup
- Business structured for credibility with banks & lenders
- Fundability guidance & setup strategies
- Positioning for potential $10K–$75K funding
- New entrepreneurs launching the right way
- Business owners who want to look professional
- Anyone preparing for future business funding
- Entrepreneurs tired of piecing it together alone
While we build your business, we work on your personal credit at the same time. Dispute inaccurate items, credit building guidance, client portal access, and ongoing support.
One-time · Full done-for-you setup + 6 months credit repair
- LLC, EIN, Registered Agent, Operating Agreement, Company Binder
- Custom Logo, Premium Website, Domain, Business Email
- Google Business Profile, Business Phone & Address
- CRM Setup — organize leads, clients & follow-ups
- Booking Calendar Integration
- Email Automation Setup — follow-ups & nurturing
- Lead Capture Funnel — capture leads & convert
- Payment Processor Setup
- Client Onboarding System — forms & workflows
- Appointment Reminder & Review Automation
- Business structured for long-term growth
- Fundability & credibility guidance
- Positioning for Tier 1 business funding
- Potential access to $10K–$75K funding
- Entrepreneurs ready to operate with real systems
- Service-based businesses wanting stronger presence
- Business owners preparing for growth & funding
- Those tired of piecing everything together alone
While your business is being built, we strengthen your personal credit profile to improve your overall funding position. Challenging inaccurate items, credit building guidance, portal access, and ongoing support.
One-time · Full business setup + systems + 6 months credit repair
- All legal formation, branding, website & systems
- Full automation, CRM, booking & onboarding
- Complete credibility & growth positioning
- DUNS Number Setup — establish EIN credit profile
- Business Credit Monitoring
- Net-30 Vendor Account Setup
- Vendor & Store Credit Positioning
- Business Banking Positioning
- Business Credit Growth Strategy
- Advanced Funding Positioning
- Funding Readiness Setup & Strategy
- Positioning for Tier 1 business funding
- Potential access to $10K–$250K+ funding
- Built to Scale for serious long-term growth
- Entrepreneurs serious about scaling
- Business owners building credit under their EIN
- Those preparing for larger funding opportunities
- Business owners building credibility with lenders
We work both sides simultaneously — challenging inaccurate items, credit building guidance, portal access, and ongoing support. Your personal credit affects funding eligibility and we take it seriously.
One-time · Funding results vary. State filing fees not included.
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.
Your comeback starts right now.
Join 150+ clients who’ve reclaimed their financial future. One simple step.