Founded in 2020 by Patricia Tolentino Melara and Josue "Josh" Melara, not as a credit repair company chasing a trend, but as the resource they wish they'd had when their own credit and finances felt like they were working against them.
We believe your credit should be a tool that helps you move forward, not a barrier that keeps you stuck.
That's why we don't just dispute inaccurate items and send you on your way. We help you understand why your credit looks the way it does, build a plan around your actual goals, and give you the financial education to keep your progress once you've made it.
Credit repair is real, necessary work, and we do it thoroughly, across all three bureaus, with transparent tracking. But credit repair alone doesn't tell you how to keep your score up, how to prepare for a mortgage, or how to build business credit when you're ready to grow.
That's the difference between a credit repair company and a credit and financial coaching partner. We're the second one.
Understanding your credit report, your utilization, and your financial habits is foundational to lasting change, so it's built into how we work, not sold as an add-on.
We help you understand what is affecting your credit, how your financial decisions influence your progress, and what steps you can take to build healthier habits and make more informed financial decisions over time.

Patricia "Patty" Melara & Josue "Josh" Melara, Founders
We know what it's like to be on the other side of this.
A few years before starting New Gen Solutions, we were facing financial challenges that felt overwhelming. Our credit was limiting our opportunities, creating stress, and holding us back from the life we knew we were capable of building. Like many people, we knew our credit mattered, but we didn't always know what was affecting it, what we could do about it, or where to turn for clear and trustworthy guidance.
Instead of accepting that as our reality, we made a decision to take control.
We started learning. We educated ourselves about credit, financial habits, and the decisions that were shaping our financial future. We became intentional about understanding our credit reports, addressing issues that needed attention, and building better financial habits. It wasn't an overnight transformation. It took discipline, consistency, and a willingness to understand the system instead of simply reacting to it.
That experience changed more than our credit. It changed the way we thought about money, opportunity, and what was possible when you have the right knowledge and a clear strategy.
And that's why we built New Gen Solutions.
We wanted to create the resource we wish we'd had when we were trying to figure it all out ourselves. A place where people could get help addressing their credit while also learning how their credit works, understanding the financial habits behind it, and gaining the confidence to make better decisions moving forward.
Because fixing what's on your credit report is only part of the journey. The bigger goal is understanding your finances well enough to create opportunities, protect your progress, and work toward the future you want to build.
We're not a call center reading from a script. We're a founder-led company built from personal experience, because we lived the problem first — and we know how much it matters to have someone in your corner who understands the journey.
01
Full credit report audit across all three bureaus.
02
Identify what's inaccurate, outdated, or unverifiable, and build your plan.
03
Targeted dispute rounds, managed for you.
04
Your 24/7 portal, with updates every 35–45 days.
05
Credit-building strategy, and for qualifying clients, business credit and funding guidance.