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Credit education, written down
Everything we explain on the phone, in one place, in English and in Spanish.
From the blog
Start with these three
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Habits
Why your three credit reports do not agree
Equifax, Experian and TransUnion each keep their own file on you, and no law requires a lender to report to all three. That gap is where errors hide.
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Your rights
The Fair Credit Reporting Act, in plain language
You may dispute any item on your report, and the bureau must investigate. Here is what the statute actually requires, and what it does not.
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Credit basics
What is a credit score, and what actually moves it?
Payment history is 35% of a FICO score and amounts owed is another 30%. Here is the whole formula, and which parts of it you can change this month.
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We publish every article in English and in Spanish.
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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.
Get your free consultation and credit analysis +1 (813) 560-5452 +1 (813) 438-0250 nextc2026@gmail.com Get your free consultation and credit analysis 1 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.