✦ CREDIT & FINANCIAL COACHING

Better Credit.

Better Finances.

Better Opportunities.

New Gen Solutions is a credit and financial coaching partner, helping you understand where you stand, build a plan, and work toward what's next.

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★★★★★ 4.9/5
Based on 196 Google Reviews
Credit progress view
Sample view
Climbing
Tracked on a 300–850 scale
All 3
bureaus
35–45
day cycles
24/7
client portal
Dispute round
Updated every 35–45 days
✓
Education in every plan
Including Basic — never an add-on
✦ OUR EXPERIENCE, YOUR GOALS

Built on Experience. Focused on Your Financial Goals.

Your credit is only one part of your financial story. We look beyond the score to understand where you are, where you want to go, and what steps can help you move forward.

20,000+
CLIENTS SERVED
$100M+
NEGATIVE DEBT ADDRESSED
14 DAYS
EARLY PROGRESS IN AS LITTLE AS
90 DAY
MONEY BACK GUARANTEE
Most credit repair companies
— Dispute the report, then you're done
— A black box you check in on
— Education gated to the top tier
— A call center reading a script
New Gen Solutions
✓ Repair, then building, then your actual goal
✓ A portal with updates every 35–45 days
✓ Financial education in every plan
✓ Founders who lived the problem first
✦ WHY NEW GEN SOLUTIONS

A Different Approach to Credit and Financial Growth

Most credit repair companies stop at your credit report. We start there, but we don't stop there.

New Gen Solutions was founded by people who've lived through the same financial stress our clients come to us with. We combine real dispute and restoration work across all three credit bureaus with financial education that continues after your credit improves, not just before you buy.

Credit repair is part of what we do. It's not the whole story. The whole story is helping you get to whatever's next: a home, a vehicle, better loan terms, a business, more breathing room.

✦ HOW WE HELP YOU MOVE FORWARD

START WHERE YOU ARE. BUILD FROM THERE.

Whether you're working to strengthen your credit, improve your financial knowledge, prepare for funding, or build toward long-term financial goals, New Gen Solutions offers the guidance and resources to help you take the next step.

Credit repair specialist reviewing a client's credit report and credit score improvement plan

Credit Repair Solutions

For individuals who need professional support addressing eligible credit issues & developing a stronger credit profile.

Financial coach helping a client understand credit and personal money management

Financial Education & Coaching

For individuals who want to understand credit, money management, debt, coaching, and financial decision-making.

Entrepreneur reviewing a personal and business funding strategy with a financial advisor

Funding & Business Strategy

For entrepreneurs who want to better understand financial preparation and opportunities for personal and business funding.

Adult learning financial strategies for long-term wealth building

Wealth Builders Academy

Individuals ready to take their financial education further and develop the knowledge needed to build for the future.

✦ HOW WE WORK WITH YOU

Personalized Credit & Financial Coaching That Starts With Your Goals

Your financial journey is unique. We combine credit guidance, financial education, and goal-based support to help you understand where you stand, create a clear plan, and move forward with confidence.

Icon representing personalized credit repair and financial strategies.

Personalized Strategy

Your financial situation, goals, and challenges are unique. We help you understand your options and create a strategy around your needs.

Icon representing credit and financial education coaching.

Credit + Financial Education

We don't just work on your credit, we help you understand it, so you can make smarter financial decisions with confidence.

Icon representing goal-based financial support and guidance.

Goal-Based Support

No confusing promises or one-size-fits-all solutions. We focus on clear communication, realistic expectations, and guidance you can understand.

✦ WHAT WE ADDRESS

Negative items we work to dispute and remove

Our team challenges inaccurate, outdated, and unverifiable items across every major category of negative credit history.

✓ FORECLOSURES → ✓ STUDENT LOANS → ✓ CHARGE-OFFS → ✓ JUDGMENTS → ✓ MEDICAL BILLS → ✓ LATE PAYMENTS → ✓ REPOSSESSIONS → ✓ PUBLIC RECORDS → ✓ BANKRUPTCIES → ✓ CHILD SUPPORT → ✓ HARD INQUIRIES → ✓ COLLECTIONS →
✦ REAL CLIENT EXPERIENCES
Patricia Tolentino Melara and Josue Melara, Founders of New Gen Solutions credit repair and financial education.
✦ THE PEOPLE BEHIND NEW GEN

WE'VE LIVED THE TRANSFORMATION OURSELVES

Hi, we're Patricia Tolentino Melara & Josue Melara, the founders of New Gen Solutions. We know firsthand how powerful strong credit can be because we've lived the transformation ourselves.

There was a time when our own financial situation created stress, limited opportunities, and made the future feel uncertain. Instead of accepting that reality, we chose to learn.

Through education, discipline, and strategic credit management, we improved our financial position, reduced debt, restored stability, and discovered how stronger credit could create new opportunities.

That experience became the foundation for New Gen Solutions.

We aren't here simply to help you repair a credit report. We're here to help you understand your financial position, make informed decisions, and build toward what's next.

Whether your next goal is improving your credit, becoming more financially confident, preparing for a major purchase, pursuing funding, or building for the future, our mission is to help you move forward with greater knowledge, clarity, and confidence.

✦ OUR PLANS

CHOOSE THE RIGHT PLAN
FOR YOUR GOALS

Choose the level of credit support that best fits your goals, timeline, and financial needs.

ELITE CLUB PLAN

$499
FROM $999
VALID FOR 6 MONTHS
✓ 6 MONTHS OF CREDIT RESTORATION
✓ 3-5 DISPUTES PER MONTH
✓ 24/7 CREDIT TRACKER PORTAL
✓ MONTHLY PROGRESS UPDATES
✓ PERSONALIZED CREDIT BUILDING GAME PLAN
✓ EDUCATIONAL EMAILS & SMS
CHOOSE ELITE →
MOST POPULAR

PREMIUM CREDIT REPAIR PLAN

$750
FROM $1,500
VALID FOR 6 MONTHS
✓ EVERYTHING IN THE ELITE PLAN
✓ UNLIMITED COMPREHENSIVE CREDIT DISPUTES (6 ROUNDS)
✓ PRIORITY PROCESSING & SUPPORT
✓ MONTHLY STRATEGY CALL WITH YOUR ACCOUNT MANAGER
✓ HOMEBUYER & CAR BUYER PREPARATION
✓ FINANCIAL LITERACY LIBRARY
CHOOSE PREMIUM →
MOST COMPREHENSIVE

PLATINUM CLUB PLAN

$1,499
FROM $3,000
VALID FOR 12 MONTHS
✓ EVERYTHING IN THE PREMIUM PLAN
✓ 1 AUTHORIZED USER TRADELINE
✓ EXCLUSIVE ACCESS TO PERSONAL & BUSINESS FUNDING PROGRAM
✓ PERSONAL FUNDING STRATEGY SESSION
✓ BUSINESS FUNDING STRATEGY SESSION
✓ FUNDING APPLICATION & APPROVAL GAME PLAN
CHOOSE PLATINUM →
0 DAYS ✓

90-DAY MONEY BACK GUARANTEE

We stand behind the value of our services. If you qualify under our guarantee terms, you can request a refund within 90 days.

✦ GET THE ANSWERS YOU NEED

Frequently Asked Questions

How does New Gen Solutions help?

We provide credit-related services, financial education, and strategic guidance designed to help individuals better understand their financial position and work toward their goals.

Is New Gen Solutions only a credit repair company?

No. Credit improvement is one part of what we offer. Our broader approach includes credit strategy, financial education, funding preparation, and resources designed to help clients make more informed financial decisions.

How long does credit improvement take?

Every situation is different. Timing depends on your individual credit profile, the information involved, the actions taken, and other factors. We focus on a strategic process rather than promising an instant outcome.

Can you guarantee a specific credit score?

No. Credit outcomes vary by individual, and no legitimate provider can guarantee a specific score increase. Our focus is on helping you understand your credit profile, address eligible issues, and develop better financial habits and strategies.

Can New Gen Solutions help me prepare to buy a home or vehicle?

Yes. We can help you understand your current credit position and identify steps that may help you become better prepared for major financing decisions.

Do you work with business owners?

Yes. New Gen Solutions provides education and strategic guidance related to personal and business financial positioning, including preparation for potential funding opportunities.

Do I need to book a consultation?

Not necessarily. You can start by completing our initial assessment. If a consultation is appropriate for your situation, we'll guide you through the next step.

Your Credit Is the Starting Point. Not the Finish Line.

Get clarity on where you are and what steps may help you move forward.

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