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.
Strategic support
Credit is not just a number. It can be a tool for creating options, securing housing, building assets, and preparing for new opportunities.
Required first step
Required before the Credit Optimization Program or Pay-After-Deletion option.
Start herePrimary program
Rounds are completed as needed for up to 180 days. The first round is a separate $149 service and is not included in the analysis fee.
See how rounds workAlternative fee option
No deletion, score increase, approval, or timeline is guaranteed.
Request detailsEducation-focused option
Designed for clients who need education and positive credit-building strategies rather than dispute support.
Ask about enrollmentA clear path forward
One required analysis creates the strategy. From there, choose the service path that fits your needs, with optimization rounds used only as needed during a program period of up to 180 days.
We discuss where you are, where you want to go, and which service option is the right fit.
Enroll in required three-bureau credit monitoring, currently $34.99 per month and paid directly to the third-party provider.
Your $179 Credit Analysis includes a three-report review, findings, personalized Blueprint, education, and practical priorities.
Continue with $149 optimization rounds as needed, Pay After Deletion, or an education-focused credit-building program.
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 licensed REALTOR® serving 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. Every credit profile is different, and no specific deletion, score increase, approval, or timeline can be guaranteed.
No company can legally promise the removal of accurate, verifiable information. Disputes are appropriate for information you believe is inaccurate, incomplete, outdated, or unverifiable.
The Credit Optimization Program may continue for up to 180 days, with rounds completed only as needed. Actual timing and the number of rounds depend on your profile, participation, goals, and responses from creditors and credit reporting agencies.
Yes. The Credit Analysis & Blueprint is the required first step before enrolling in the Credit Optimization Program or Pay-After-Deletion option.
Each optimization round is $149, including the first round. The first round is not included in the $179 analysis fee. Additional rounds are completed as needed within the program's maximum 180-day period.
Pay After Deletion is an alternative option that still begins with the required $179 Credit Analysis. A separate fee schedule identifies qualifying items and applicable fees before service begins. Results are not guaranteed.
No. Next Move Credit Consulting is not a lender and does not make lending or mortgage approval decisions.
Yes. Clients must maintain three-bureau credit monitoring during service so current reports and progress can be reviewed. The current subscription price is $34.99 per month, separate from Next Move fees, and paid directly to the independent provider.
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 $179 Credit Analysis & Blueprint, then choose the service path that best fits your goals and credit profile.
Schedule a free consultationConnect with us
Contact details
Consultations are available by phone or virtual appointment. This location is not open for client visits.
