Monday - Friday9AM - 6PM
Saturday:9AM - 2PM
Location780 Lynnhaven Pkwy Ste 400 Virginia Beach, Virginia 23452
Call Us(757) 704-4106
GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Repair Your Credit With
The Experts

We help improve your credit by removing erroneous negative items holding back your credit scores
GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Repair Your Credit With
The Experts

We help improve your credit by removing erroneous negative items holding back your credit scores
STEP ONE

Enroll

We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.
STEP TWO

Learn New Strategies!

We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
STEP THREE

See Results

Log in to your personal dashboard where you can see real-time progress and results every step of the way.
HOW WE CAN HELP YOU

We Help Improve Your Credit Scores
By Removing:

Collections Accounts
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.
Repossessions
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.
Charge offs
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.
Late payments
You have a 30-day grace period with your creditors before they can report it to the Credit Bureaus. We can dispute late payments based on inaccuracies of the date they reported to the Credit Bureau or we can make a request of a GoodWill Courtesy Removal.
Hard Inquiries
These can be harmful to your credit score. Each hard inquiry usually causes a small credit score to decrease for a borrower. Hard inquiries can remain on your credit report for two years. A high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender. We can dispute this based on inaccuracies or make a request of a Goodwill Courtesy Removal.
Student Loans And More!
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
HOW WE CAN HELP YOU

We Help Improve Your Credit Scores
By Removing:

Collections Accounts
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.
Repossessions
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.
Charge offs
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.
Late payments
You have a 30-day grace period with your creditors before they can report it to the Credit Bureaus. We can dispute late payments based on inaccuracies of the date they reported to the Credit Bureau or we can make a request of a GoodWill Courtesy Removal.
Hard Inquiries
These can be harmful to your credit score. Each hard inquiry usually causes a small credit score to decrease for a borrower. Hard inquiries can remain on your credit report for two years. A high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender. We can dispute this based on inaccuracies or make a request of a Goodwill Courtesy Removal.
Student Loans And More!
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
Our Money Back Guarantee

We Have The Best 100%
Money Back Guarantee

We stand behind our services and provide a risk free refund policy to all of our clients. No one in our business can accurately predict a specific outcome, but we can promise to do everything possible to maximize the probability of outstanding results. When you enroll with us, you can expect quality, professional service before, during and even after your enrollment. We work fast to setup your account and you will only be billed a one-time setup fee AFTER we have completed our setup work.The setup fee is non refundable regardless of the outcome of our service results; however every penny of the money you pay us after your setup has been completed is guaranteed or your money back. After we have worked on your reports for a full 6 months, in the unlikely event are unsatisfied with the end result you may request a refund in writing.
Our Money Back Guarantee

We Have The Best 100%
Money Back Guarantee

We stand behind our services and provide a risk free refund policy to all of our clients. No one in our business can accurately predict a specific outcome, but we can promise to do everything possible to maximize the probability of outstanding results. When you enroll with us, you can expect quality, professional service before, during and even after your enrollment. We work fast to setup your account and you will only be billed a one-time setup fee AFTER we have completed our setup work.The setup fee is non refundable regardless of the outcome of our service results; however every penny of the money you pay us after your setup has been completed is guaranteed or your money back. After we have worked on your reports for a full 6 months, in the unlikely event are unsatisfied with the end result you may request a refund in writing.
SAVE WITH OUR PRICING PACKAGES

Credit Repair
Made Affordable

Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED disputes and deletions for a fraction of the cost.
$35/m
169.99 Enrollment Fee
DIY Credit Repair Plan
  • * 5 New Dispute Letters Sent To Your Email Each Month
  • * Monthly Reminders
  • * Monthly Tips
  • * Cancel Anytime
  • * Email Or Phone Support 24/7
  • * Free Consultation
  • * Free Credit Analysis
  • * Requires Credit Monitoring $24.99
$99/m
169.99 Enrollment Fee
Credit Repair Service Plan
  • * We Dispute Inaccurate Credit Reported Items On Your Behalf
  • * We Contact Your Creditors And Credit Bureaus Directly
  • * Client Portal To Track Your Credit Report Updates
  • * Certified Mailing To Track Custom Letters To Bureaus
  • * Cancel Anytime
  • * Email, Text & Phone Support
  • * 6-Month Money Back Guarantee
  • * Requires Credit Monitoring $24.99
  • * Free Consultation
  • * Free Credit Analysis
$10/m
169.99 Enrollment Fee
Performance Based Credit Repair
  • * Personal Information - $10 Per Item; Per Bureau
  • * Late Payments - $47 Per Item; Per Bureau
  • * Inquiries - $47 Per Item; Per Bureau
  • * Standard Item - $47 Per Item; Per Bureau
  • * Public Records - $97 Per Item; Per Bureau
  • * Free Consultation
  • * Free Credit Analysis
  • * Requires Credit Monitoring $24.99
$199/m
$299 Enrollment Fee
Couples Plan
  • * We Dispute Inaccurate Credit Reported Items On Your Behalf
  • * We Contact Your Creditors And Credit Bureaus Directly
  • * Client Portal To Track Your Credit Report Updates
  • * Certified Mailing To Track Custom Letters To Bureaus
  • * Cancel Anytime
  • * Email, Text & Phone Support
  • * 6-Month Money Back Guarantee
  • * Requires Credit Monitoring $24.99
  • * Free Consultation
  • * Free Credit Analysis
$499.99
No monthly cost! Just pay once.
One Time Fee Plan
  • * We Dispute Inaccurate Credit Reported Items On Your Behalf
  • * We Contact Your Creditors And Credit Bureaus Directly
  • * Client Portal To Track Your Credit Report Updates
  • * Certified Mailing To Track Custom Letters To Bureaus
  • * Cancel Anytime
  • * Email, Text & Phone Support
  • * 6 Months Of Credit Repair
  • * 6-Month Money Back Guarantee
  • * Requires Credit Monitoring $24.99
  • * Free Consultation
  • * Free Credit Analysis
WHAT PEOPLE ARE SAYING

Happy Clients
Every Day

IMPROVE YOUR CREDIT SCORE

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Frequently Asked
Questions

When is the best time to start your service?

Yesterday! That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

Why is credit so important?

Credit affects every area of life. When your credit is bad, it follows that your life may face similar hardships in the areas of.

How much does credit repair cost?

Make no mistake-bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the challenges it causes.

How long does it take to fix bad credit?

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation.

How do we communicate with you?

We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward.

What are the 3 credit bureaus?

Checking your own credit report won’t hurt your scores. Credit inquiries are defined as either hard or soft inquiries. Reviewing your own credit report is considered a soft inquiry, and soft inquiries don’t hurt your scores. Checking your credit report at least once a year allows you to identify any mistakes and helps you manage your personal finances.

How is my credit score calculated?

Understanding the components that makeup credit scores can help you wisely manage your credit decisions. To see how it all breaks down, here’s an example of how scores are calculated with a popular algorithm. Your payment history makes up 35% of your score, while the amount you owe lenders represents 30%. The length of your credit history contributes 15%, and the types of credit accounts you maintain comprise 10%. Finally, new credit accounts are responsible for 10%. All of these values are then broken down into a credit score, which ranges between 300 and 850—the higher the number the better.

Next Step CreditOur Mission
Our mission at Next Step Credit Repair is to set your future up for success. Our goal is to help others repair their credit history at an affordable price, therefore giving our clients a fresh new head start on life. Our clients are real people with real problems and we provide real solutions through our step by step process tailored to each individuals needs.
OUR LOCATIONSWhere to find us?
780 Lynnhaven Pkwy Ste 400 Virginia Beach, Virginia 23452
Quick LinksAffiliate Links
GET IN TOUCHNext Step Credit Social links
OUR APPDOWNLOAD OUR APP
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A HIGH CREDIT SCOREOur Mission
Our mission at Next Step Credit Repair is to set your future up for success. Our goal is to help others repair their credit history at an affordable price, therefore giving our clients a fresh new head start on life. Our clients are real people with real problems and we provide real solutions through our step by step process tailored to each individuals needs.
OUR LOCATIONSWhere to find us?
780 Lynnhaven Pkwy Ste 400 Virginia Beach, Virginia 23452
Quick LinksAffiliate Links
GET IN TOUCHNext Step Credit Social links
Follow us for credit tips and customer service.
OUR APPDOWNLOAD OUR APP
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All Rights Reserved. Next Step Credit.

Website proudly built and hosted by JDiazBusiness.

All Rights Reserved. Next Step Credit.

Website proudly built and hosted by JDiazBusiness.