Simple terms, no surprises.

NexGen Fiscal provides credit report review, preparation and mailing of dispute letters to credit bureaus, creditors, and collectors, and funding guidance. We operate as a registered Texas credit services organization and carry the $10,000 surety bond Texas requires.

Every plan is month to month: Basic $65, Premium $89, Superior $119, VIP $149. There are no setup or enrollment fees. Your first monthly payment is what starts the work. The standalone funding package is a one-time $497 charge. You can cancel anytime; see our Refund & Cancellation Policy.

We do not guarantee any specific credit score increase, and we do not promise the removal of any particular item. We challenge information that is inaccurate, incomplete, or unverified. Accurate, verifiable information may remain on your reports, and we will tell you that honestly. Funding guidance does not guarantee approval by any lender.

You agree to provide accurate, complete information, to tell us promptly about changes (new addresses, new accounts, correspondence from bureaus or collectors), and to maintain your own credit monitoring so we can track progress together. You must be 18 or older to become a client.

To the fullest extent allowed by law, NexGen Fiscal's liability for any claim is limited to the fees you paid us in the three months before the claim arose. Nothing here limits rights you have under the federal Credit Repair Organizations Act or Texas Finance Code Chapter 393, which apply regardless of what any contract says.