Understand Your Credit. Take Control of Your Financial Future.
Credit can be confusing but making informed financial decisions shouldn’t have to be.
Our credit counseling services are designed to help you understand what’s happening on your credit reports, what factors may be affecting your scores, and what actions you can take to move forward.
We can help you evaluate debt, credit utilization, payment history, collections, revolving accounts, and other factors that influence your overall credit profile. From there, we help you develop a practical action plan based on your individual goals.
The objective isn’t just better credit. It’s giving you the knowledge and strategy to make better financial decisions long after our work together is complete.
For decades, the Rios family has remained committed to helping clients make informed financial decisions with honesty, education, and personalized service.
Independent Provider: Denefits is an independent third-party financing provider and is not owned, operated, or managed by NextLevelCredit.
Payment Processing: If you choose the installment payment option, your payments will be processed through Denefits rather than directly through NextLevelCredit.
Additional Fees: Denefits may charge service fees or other financing-related costs. These charges are separate from and in addition to your NextLevelCredit program payment.
Billing Policies: Because Denefits operates independently, NextLevelCredit does not control Denefits’ billing policies, payment processing, late fees, or financing charges.
Late Fees & Penalties: If a payment becomes past due, any late fees or penalties assessed by Denefits are determined by Denefits, and NextLevelCredit cannot waive, modify, or prevent those charges.
Denefits is the platform we use to allow our clients to make convenient monthly payments for their Credit Enrichment program. This is not a loan—it simply helps break the cost of the program into manageable installments.
After you sign the Denefits agreement, their customer support team will contact you to verify your identity.
Q: How long does it take to fix my credit?
A: The timeline varies depending on how many negative items are affecting your credit. The minimum timeframe is about 30 days, which is how long the credit bureaus take to respond to disputes. Since every client’s situation is unique, the overall timeframe can vary.
Q: Will I receive updates on the progress?
A: Yes. Our credit specialists will keep you informed every step of the way. You will receive regular updates on the progress we make throughout the process.
Q: Can I apply for loans, credit cards, etc. while in the program?
A: We strongly recommend that clients avoid applying for new credit during the program. This helps prevent new hard inquiries, which can negatively impact your credit while we’re working to improve it.