✦ BETTER CREDIT. BETTER FUTURE

Credit Repair & Financial Education for a Stronger Financial Future

Build financial confidence, strengthen your credit, and develop the knowledge and habits to pursue your financial goals with greater clarity.

Credit progress view
Sample view
Climbing
300 to 850 credit score scale
All 3
bureaus
35-45
day cycles
24/7
client portal
Dispute round
Updated every 35 to 45 days
✓︎
Education in every plan
Including Basic, never an add-on
New Gen Solutions customer New Gen Solutions customer New Gen Solutions customer New Gen Solutions customer New Gen Solutions customer
★★★★★ 4.9/5
Based on 200 Google Reviews
✦ OUR EXPERIENCE, YOUR GOALS

Trusted by Our Clients

20,000+ Clients Served
$100M+ Negative Debt Addressed
14 Days Early Progress in as Little as
90 Days Money Back Guarantee
✦ WHY NEW GEN SOLUTIONS

More Than Credit Repair

Credit repair is where we start. Financial education and your goals shape what comes next.

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

✦ HOW WE HELP YOU MOVE FORWARD

Credit Repair, Financial Education, and Coaching Services

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.

New Gen Solutions team member discussing credit repair with a client

Credit Repair Solutions

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

New Gen Solutions financial coach Karina meeting with a client for financial education

Financial Education & Coaching

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

Josh Melara, CEO and Co-Founder of New Gen Solutions, supporting business funding and strategy

Funding & Business Strategy

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

Josh Melara discussing financial education and wealth-building strategies with a client

Wealth Builders Academy

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

✦ WHAT WE ADDRESS

Credit Issues We Help Clients Review and Address

See the types of credit-report issues our team can help you understand, review, and determine next steps for, depending on your individual situation.

Foreclosures

Review foreclosure-related information and understand how it may appear on your credit reports.

Student Loans

Examine student loan information and identify reporting details that may need attention.

Charge-Offs

Examine charged-off accounts and understand how they appear on your credit reports.

Judgments

Review judgment-related information appearing on your credit reports and understand your options.

Medical Bills

Review medical-related accounts and understand how they may be reported on your credit file.

Late Payments

Review reported late payments and understand what may be inaccurate, outdated, or affecting your credit profile.

Repossessions

Review vehicle repossession accounts and the information associated with them on your reports.

Public Records

Examine public-record information that may appear on your credit reports and affect your profile.

Bankruptcies

Review bankruptcy information and how it is reflected across your credit reports.

Child Support

Review reported child support-related information and its potential impact on your credit profile.

Hard Inquiries

Review hard inquiries to understand which companies accessed your credit and whether the information is accurate.

Collections

Review collection accounts and identify information that may need to be verified or addressed.

✦ REAL CLIENT EXPERIENCES

Real Stories From People We've Helped

Hear directly from clients about their experiences working with New Gen Solutions and the progress they made toward their financial goals.

Resolving 1 Year of Identity Theft and Fraud

After a serious accident led to job loss, overwhelming medical expenses, and nearly 40 negative credit items, Vlad turned to New Gen Solutions. Within his first two months, more than 15 negative items were removed from his credit reports.

Vlad Client experience
Identity Theft Recovery
Patricia Tolentino Melara and Josue Melara, Founders of New Gen Solutions credit repair and financial education.
✦ THE PEOPLE BEHIND NEW GEN

Meet the Founders Behind New Gen Solutions

Hi, we're Patricia Tolentino Melara & Josue Melara, the founders of New Gen Solutions. We've experienced firsthand how stronger credit, financial education, and disciplined money management can create new opportunities.

That experience inspired us to help others understand their financial position, make informed decisions, and move forward with greater clarity and confidence.

Whether you're working to improve your credit, prepare for a major purchase, pursue funding, or build a stronger financial future, we're here to help you understand what's possible and take the next step.

✦ OUR PLANS

Credit Repair Plans 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 to 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

Credit Repair, Credit Building & Financial Coaching FAQs

Explore answers to common questions about credit repair, credit reports, credit scores, collections, charge-offs, credit building, financial coaching, and how New Gen Solutions helps clients navigate their credit and financial goals.

New Gen Solutions helps individuals understand their credit, review their credit profiles, build stronger credit habits, and work toward meaningful financial goals through personalized credit and financial coaching.
Credit repair generally involves reviewing credit reports, identifying information that may be inaccurate or incomplete, understanding consumer rights, and providing guidance on appropriate dispute or correction steps.
Yes. New Gen Solutions can help clients review collections, charge-offs, late payments, and other potentially negative credit-report information and understand available steps for addressing inaccurate or incomplete information.
Yes. Credit building is an important part of the coaching process. New Gen Solutions can help clients understand credit-building fundamentals and develop strategies that support healthier credit habits over time.
Credit profiles can contain different information across Equifax, Experian, and TransUnion. New Gen Solutions can help clients review their reports across the major credit bureaus and identify areas that may need attention.
New Gen Solutions can review these types of credit-report entries with clients and provide guidance on potential issues, documentation, and appropriate steps for addressing information that may be inaccurate or incomplete.
Yes. New Gen Solutions provides financial education and coaching focused on credit, budgeting, money management, financial habits, and practical strategies for working toward individual financial goals.
New Gen Solutions can help clients review issues involving foreclosures, student loans, charge-offs, judgments, medical bills, late payments, repossessions, public records, bankruptcies, child support, hard inquiries, and collections, depending on the details of the individual credit profile.
No. New Gen Solutions combines credit services with financial coaching and education. The goal is not only to address credit concerns, but also to help clients develop better financial habits and make informed decisions about their financial future.
Yes. These are among the types of credit-report information New Gen Solutions can help clients review. The team can help identify potential inaccuracies or issues and explain appropriate next steps.
Timing varies depending on the individual's credit profile, the type of information involved, creditor or bureau responses, and the steps being taken. There is no universal timeline for credit improvement.
No. Credit scores depend on many factors and can change over time. New Gen Solutions focuses on education, credit-profile improvement strategies, and helping clients make informed financial decisions rather than guaranteeing a particular score.
Credit monitoring can make it easier to stay informed about changes to your credit profile. New Gen Solutions may recommend monitoring when it supports a client's credit goals and helps them stay aware of changes to their reports.
New Gen Solutions can help clients understand credit factors that may be relevant when preparing for major financial goals such as purchasing a home or vehicle. Approval, rates, and lending decisions are determined by individual lenders and other factors.
Yes. New Gen Solutions also works with qualified business owners who want to understand business credit and improve their funding readiness. Business funding guidance may include connections and preparation based on individual circumstances.
A consultation is the best way to discuss your situation, understand your goals, and determine which services may be appropriate for you. You can start by contacting New Gen Solutions to learn about the next steps.

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

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