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- 1 Your information
- 2 Choose your plan
- 3 Set up SmartCredit
- 4 Free consultation
Start building better credit today
We'll review your credit with you, explain what's holding your score back, and build a plan that fits your goals.
Free credit audit and personalized plan
How the process works
Your first steps toward a stronger credit profile.
Submit your information
Fill out the form so we can set up your account and match you with a coach.
Choose and purchase your plan
Pick the service plan that fits your budget and goals on our website, then complete your purchase.
Set up SmartCredit
You'll get a confirmation email with a link to sign up for SmartCredit. This gives our team access to your credit report and scores so we can review them with you on your consultation call and begin your disputes afterward.
Book your free consultation
Once SmartCredit is set up, your account manager reviews your credit with you, explains what's holding your score back, and walks you through your personalized plan.
Upload your photo ID
Download the Credit Tracker app to upload your ID, manage your account, and follow your progress.
We start your first round of disputes
We challenge inaccurate, outdated, or unverifiable items with all three credit bureaus, and keep you updated along the way.
Hear it from our clients
Real people sharing what changed once they understood their credit and had a plan.
Rebuilding his credit on the path to homeownership
The fear of being turned down kept Anthony from applying for credit.
Over 16 months working with Josh, Patty, and the New Gen team, he rebuilt his score to nearly 700, and he's now shopping for a home.
Result: Nearly 700 credit score
From medical debt to credit recovery
After a car accident led to surgeries, job loss, and mounting medical bills, Vladimir went from a 760+ score to nearly 40 negative items.
Within about two months with New Gen, he reported more than 15 of those items removed.
Result: 15+ items removed in about 60 days
Taking her credit back after identity theft
Jessica spent a year dealing with fraudulent accounts opened in her name.
After finding New Gen on Instagram, she worked with our team to dispute them, with steady communication throughout, and reported the fraudulent accounts removed.
Result: Fraudulent accounts removed
Rebuilding after debt consolidation
A debt consolidation program told Vania to stop paying her credit cards, leaving her with charge-offs, repossessions, and a 565 score.
After finding Credit Patty on TikTok, she worked with New Gen to challenge those items and reported her score rising to 680.
Result: Credit score rose from 565 to 680 (+115 points)
Steady gains across her credit reports
Abena found Credit Patty on TikTok while looking for help improving her credit across multiple bureaus.
She committed to the process, and after four months with New Gen, she reported her Experian score up 59 points and her TransUnion score up 28 points.
Result: +59 Experian, +28 TransUnion in 4 months
Hands-on credit support built around a busy 9-to-5
Managing disputes on her own while working full time wasn't realistic. Her dedicated agent kept her updated through every round and shared tips to keep her score healthy.
Within about two months, Alina reported her hard inquiries and late payments removed.
Result: Inquiries and late payments removed in about 60 days