Credit clarity. Strategic direction.
Personalized credit education, a clear action plan, and strategic support designed around your goals—without judgment or empty promises.
Understand
your position
Make your
NEXT MOVE
Move forward
with clarity
Understand the report.
◆Build the strategy.
◆Prepare for the opportunity.
Programs, pricing & process
Every program begins with the Credit Analysis & Strategic Plan. Review each option below to see what it costs and how it works.
$129one-time
Understand what is affecting your credit and receive a personalized action plan.
Round 1 complimentaryRounds 2–4 · $99 each
Personalized dispute support, education, and progress updates for up to four rounds.
Each round may take up to 40 days, with up to four rounds.
Sign up now$59per session · up to five sessions
Build stronger habits with focused, goal-based credit education and support.
$50per verified bureau deletion
Pay the deletion fee only after an eligible, agreed-upon bureau deletion is verified.
Results are not guaranteed.
Sign up nowA clear path forward
From your free consultation through each progress review, you will know what happens next, what it costs, and which choices are yours.
Tell us your credit concerns, financial goals, and what you want your improved credit to help you accomplish.
Enroll in required three-bureau credit monitoring, billed separately by the third-party provider.
Your Credit Analysis includes a three-report review, findings, a personalized Strategic Plan, and practical priorities.
Keep monitoring active while we review updates, adjust your strategy, provide education, and recommend the next appropriate step.
Credit profiles and bureau responses vary. Deletions, score increases, approvals, and completion timelines are not guaranteed.
Built for real life
Whether you are rebuilding after a setback, trying to understand what is affecting your profile, or preparing to buy a home, we meet you with clarity—not judgment.
Find your NEXT MOVEPreparing to become mortgage-ready and speak with a lending professional.
Moving forward after late payments, collections, charge-offs, or other setbacks.
Strengthening their position for future financial and business opportunities.
Ready to replace confusion and overwhelm with education and an organized plan.
Meet the founder
Nicole Stephens is a credit consultant and a licensed real estate professional in Delaware and Maryland.
Through helping first-time buyers, homeowners, and investors, Nicole saw how often credit confusion kept good people from making their NEXT MOVE. She founded Next Move Credit Consulting to offer honest education, practical strategy, and personalized guidance—without judgment or unrealistic promises.
“Credit is not just a number. It can be a tool for creating options, building assets, and preparing for what comes next.”
Nicole Stephens
Founder, Next Move Credit Consulting
What to expect
Honesty is part of the strategy. Here is what you should know before getting started.
No. Credit profiles and bureau responses vary. We do not guarantee deletions, score increases, approvals, or timelines. Disputes are used only for information you believe is inaccurate, incomplete, outdated, or unverifiable.
Yes. It is required before every program, including Credit Builder & Education, and includes a three-report review, findings, and your personalized Strategic Plan.
Optimization begins after the required analysis. Later rounds are completed only when needed, and each round may take up to 40 days, with up to four rounds.
After the required Credit Analysis, sessions focus on education, positive credit-building habits, and progress support without dispute services.
It begins with the required analysis. Eligible items are agreed upon before service, and payment is due only after a bureau deletion is verified on an updated report. Results are not guaranteed.
Yes. Three-bureau monitoring is billed separately by the independent provider and must remain active during service.
Yes. Consumers may dispute credit report information themselves at no cost. Our services are for people who want education, organization, personalized guidance, and support.
Your NEXT MOVE starts here
Start with the required Credit Analysis & Strategic Plan, then choose Optimization, Credit Builder, or Pay After Deletion based on your goals.
Schedule a free consultationSign up now
Complete the signup form to begin. Your information will be sent directly to our client management portal for review.
Already enrolled? Use the Client Sign In button at the top of the page.
Secure portal access
Use the appropriate secure portal below to access your account.
For existing clients
Sign in to your client account to access your secure portal and service information.
Client sign inFor approved partners
Sign in to your referral partner account to access your portal and referral tools.
Referral Partner sign inConnect with us
Contact details
Consultations are available by phone or virtual appointment.
