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Welcome to Next Generation Lending
Rebuilding Credit, Restoring Confidence
We specialize in personalized credit management solutions designed to help you regain control of your financial health. Whether you’re aiming for homeownership, loan approval, or better financial opportunities, our expert team works tirelessly to remove inaccuracies, resolve disputes, and improve your credit standing.
How Credit Management Works
Just like traffic laws regulate driving, banks, credit bureaus, and creditors must follow credit laws. However, they often fail to comply when reporting negative accounts. Our job is to equip you with the right tools to dispute inaccurate or unverifiable items on your credit report.
Try SmartCredit® for 7 days $1.99
Understanding what’s affecting your credit is the first step toward improvement. Enroll in a SmartCredit® membership today to review your credit report and determine the best strategy for boosting your score.
Review Your Report
Check your personal information for outdated details. Identify and highlight negative accounts, including:
✔ In Collections
✔ Charged Off
✔ Late Payments
✔ Bankruptcy
Identify Hard Inquiries
Highlight any hard inquiries not linked to an open account—these should be disputed for removal.
Example:
If you have a Capital One card, its inquiry should remain, but unnecessary ones should be removed.
Start the Credit Management Process
Once you've listed negative items, use one of our expert services to begin challenging them and improving your credit score!
ABOUT US
Rebuild, Repair & Improve Your Credit Score!
We help individuals achieve the credit scores they deserve to unlock financial opportunities.
Our team provides transparent, high-quality service, guiding clients through the credit management process to build a strong financial future.
Our Credit Management Services
Don’t have time to repair your credit? See if you qualify for our exclusive credit mentorship program.
This program is perfect for those who:
✔ Need expert guidance in credit management
✔ Want personalized strategies for their situation
✔ Seek a company that mentors them throughout the process
✔ Need ongoing support to maintain and build credit
HOW WE WORK
Our Credit Management & Restoration Process
Speak with a Credit Specialist
After booking a call or submitting the form, a credit specialist will:
✔ Review your credit report for inaccuracies
✔ Explain the repair process
✔ Answer any questions you have
Enroll Online
Complete the quick online enrollment and gain 24/7 portal access to track your progress. The onboarding process takes just 15 minutes.
Let the Restoration Begin
Our team will:
✔ Identify and dispute errors on your credit report
✔ Contact credit bureaus and creditors for removals
✔ Provide an estimated repair timeline
As we work to improve your credit, you’ll focus on building positive financial habits.
WHY CHOOSE US
Benefits of an Improved Credit Score
Higher Credit Limits
Unlock larger borrowing limits and better financial options.
Better Loan & Credit Card Options
Qualify for lower interest rates and better terms.
More Negotiating Power
Use your improved score to secure better deals.
OUR TEAM
Lennox Wardell
Chief Executive Officer
Sarah Odegard
President of Finance
Lars Jakuba
Executive Vice President
Mikey Diokles
Sales Manager
Get your DIY Kit
✔ Step-by-step guidance on disputing negative items (personal info, inquiries, collections, charge-offs, repossessions).
✔ Pre-written dispute and resolution templates included.
✔ Resources for pay-to-delete, goodwill, MOV, and debt validation.
✔ Access to credit bureau & monitoring services.
✔ Tools to negotiate negative item removals.
✔ Tips for building strong credit habits.
✔ Take control of your credit & financial future.
✔ See results in as little as 30 days!
TESTIMONIALS
Our Client Reviews
Michael T., Atlanta, GA
"I was skeptical at first, but the team at Next Generation Lending delivered exactly what they promised. They walked me through every step, and my credit score jumped 90 points! Now, I have better loan options and a fresh start."
Jessica M., Houston, TX
"Next Generation Lending helped me remove negative items from my credit report that I didn’t even know were there! My score increased by 120 points in just a few months, and I was finally able to qualify for a mortgage. Highly recommend!"
David R., Los Angeles, CA
"Not only did they help repair my credit, but they also taught me how to maintain a strong score moving forward. Their mentorship program is top-notch, and I feel more confident in my financial future than ever!"
Frequently Asked Questions
How Long Before I See Results?
This is one of our most common questions! The timeline varies depending on your credit profile and financial goals. Since every situation is unique, we can’t guarantee an exact timeframe—but most clients start seeing improvements within 30 to 60 days. Trust the process, and we’ll help you work toward your financial goals as efficiently as possible.
How Long Does It Take to Fix Bad Credit?
Credit management is different for everyone, and the time needed depends on your specific credit history. Our program is structured to help you achieve results within 90 to 180 days. While we’ll do the heavy lifting, your active participation is key to ensuring the best possible outcome.
Can I Repair My Credit on My Own?
Absolutely! We provide a DIY Credit Management Kit that walks you through the entire process of improving and building your credit. Check out The Credit Recipe at creditmyreport.com for expert guidance.
If an Item Is Removed from My Credit Report, Does It Eliminate the Debt?
No, removing an item from your credit report does not cancel the debt itself. It simply means that the negative record is no longer visible on your credit report. However, creditors or collection agencies may still pursue repayment. It's important to address and resolve outstanding debts even after they’ve been removed from your credit history.
Why Do Different Websites Show Different Credit Scores?
Credit scores vary because each credit bureau (Experian, Equifax, TransUnion) uses different scoring models and algorithms. Additionally, various websites may use different versions of these scoring models, leading to discrepancies. Credit scores are also dynamic, changing as new data is reported. To see your most accurate score, we recommend checking directly with Experian.
Office: 4606 FM 1960 W. Suite #545, Houston, Texas 77069
Call (855) 426-1854
Email: [email protected]
