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BACK ON TRACK: YOUR PATH TO FINANCIAL FREEDOM
Life Happens, But Getting Back on Track Starts Here.
YOUR TRAIN IS COMING
Did you know having good credit is BETTER than having money in the bank? And when you optimize your taxes, you keep more of what you earn, giving you more freedom to achieve your goals.
At Back On Track, we help you take control of your finances. Whether it’s starting fresh with your credit or getting your taxes done right, we’re here to help you unlock your financial potential.
WHAT CAN GOOD CREDIT DO FOR YOU?
- Purchase a Brand New Car or Upgrade your Vehicle!
- Buy The Home You’ve Always Dreamed Of
- Get The Best Terms and Availability on All Loan Products
- Exclusive Access to the World’s Most Sought After Credit Cards
- Purchase a Brand New Car or Upgrade your Vehicle!
- Buy The Home You’ve Always Dreamed Of
- Get The Best Terms and Availability on All Loan Products
- Exclusive Access to the World’s Most Sought After Credit Cards
WHAT CAN BE REMOVED FROM YOUR CREDIT?
- Charge-offs and Collections
- Late Payments & Hard Inquiries
- Repossessions
- Bankruptcies
- Evictions
- Medical Bills
- Student Loans
MAXIMIZE YOUR TAX REFUND
- Comprehensive Tax Preparation: Individual and business taxes done accurately.
- Tax Planning: Strategies to help you save for the future and reduce liabilities.
- Audit Protection: Peace of mind with expert support if the IRS contacts you.
Get aboard the Back on Track train to boost your credit scores… “All you need is a train ticket!” 😊
Who We Are
At Back on Track Financial, we are industry leaders in Tax Preparation and Credit Education, dedicated to empowering individuals and families to achieve lasting financial success. With a proven track record of helping clients rebuild credit and maximize their financial opportunities, we go beyond quick fixes to deliver real, long-term results.
Our team leverages legally sound strategies and cutting-edge tools to tackle credit challenges head-on, while offering expert tax solutions to help clients keep more of their hard-earned money. We believe that financial education is power, and we are here to guide you every step of the way.
Whether you’re looking to:
✅ Resolve credit issues and rebuild your score
✅ Maximize your tax refund with precision and expertise
✅ Learn financial strategies to build wealth and stability
…you’ve come to the right place.
At Back on Track Financial, your success is our mission. Together, we’ll build a solid path to better credit, financial security, and a brighter future.
YANDY SMITH
“Pascha Nixon is turning No’s to Yesses, and getting credit application approved.”
Joc
“Your financial picture is a direct representation of who you are.”
Letoya Luckett
“Back on Track is changing credit whether you have bad credit or no credit at all.”
GET BACK ON TRACK TO FINANCIAL SUCCESS
Whether you need to:
- Fix your credit,
- Maximize your tax refund, or
Plan for the future,
our team is here to guide you every step of the way. Let us help you achieve the financial freedom you deserve.
THERE’S NO PLACE LIKE A NEW HOME.
WE CAN HELP YOU GET THERE
Imagine… Spending your days in a beautiful house, relaxing and thinking to yourself, “Wow, I really did it!” We understand the struggle, the time and the work it takes to get what you want.
No matter how challenging the road to your dream home might seem, our team can help you get there smoothly and effectively. The keys to our new home are waiting just beyond your newly boosted credit score. Get Back On Track today towards your new home!
Testimonials
FIRST CAR, NEW CAR OR JUST A TRADE IN?
WE CAN MAKE THAT HAPPEN TOO.
Some days, getting approved for a car loan can feel challenging. At Back On Track, we help guide customers on the path to better credit, and many have seen significant improvements within 90 days after reaching out to us.
Upgrade, buy brand new, or give yourself the ride you really deserve – the choice is yours. We’re just here to get you Back On Track towards living the life you really want.
Testimonials
NEED FUNDING?
Get funding on Back On Track
We can help you erase your debt, flood your business with cash, or just have some extra funds to play within as little as 4-6 weeks! You need money to make money, so we provide the seed capital, so you can grow it however you want. Invest it, make smart financial decisions, and ultimately get Back On Track towards your bright financial future!
- Real Financial Help
- Confidential Financial Advice
- Exclusive Access to Our Finance Experts
Testimonials
how we work
Gather your Information
We'll need some information. To authenticate your identity and safely extract your credit score and report.
Review your score and negative items
Following that, we'll provide you with a free credit score, report summary, and negative item breakdown.
Recommended credit solution
We will recommend the optimal service level for your credit position based on your credit.
Choose your Ticket
The Following are package changes Coach Package will be 285 down to start and 185 per month with a free tradeline.
Click to Reveal Ticket
- FREE Tradeline – Authorized User Line of Credit
- Unlimited Disputes – Until You Cancel
- Monthly Credit Monitoring & Automatic Disputes – We handle it for you!
- Unlimited Inquiry Challenges
- 24/7 Online Portal Access
- 4 Months Of Unlimited Disputes
- 24/7 Online Portal Access
- Inquiry Removal Up to 25 Inquiries per bureau
- Extensive Credit Audit
- Credit Rebuilding Guide-Boost Your Score up to 100 points
- Unlimited Case Reviews
- Unlimited Telephone/Email Support
- 4 month service warranty W/ Reinsertion Protection
We protect you if any accounts that we have removed return to your credit report we prepare documentation to fight this violation of your rights using the direct law from the Fair Credit Reporting Act.
- 3-months service warranty W Reinsertion Protection[?]
Click to Reveal Ticket
- 1 Free Tradeline!!!- Authorized User Line Of Credit
- Guaranteed 1 high limit of 40k
- 6 Months Of Unlimited Disputes
- 24/7 Online Portal Access
- Unlimited Inquiry Removal
- Credit Rebuilding Guide Video -Boost Your Score up to 100 points
- Bankruptcy Removal
- Card Spending and Tradeline Building Guidance
- Removal Of outdated Personal Information
- Advanced Tactic Disputes and Strategies
- Debt Validation To Collection Agencies
- 6 month service warranty W Reinsertion Protection
- 5 Months of Unlimited Disputes
- Removal Of outdated Personal Information
- Unlimited Inquiry Removal
- Bankruptcy Removal
- 1 Credit Rebuilding Coaching Session W/CEO
- Advanced Tactic Disputes and Strategies
- Debt Validation To Collection Agencies
- Custom Letters Sent To Creditors And Credit Bureaus
- Unlimited Disputes on “New” Derogatory Accounts Added [?]
We protect you if any accounts that we have removed return to your credit report we prepare documentation to fight this violation of your rights using the direct law from the Fair Credit Reporting Act.
- 5-months service warranty W Reinsertion Protection[?]
BACK ON TRACK FINANCIAL
Click to Reveal Ticket
- 2 Complimentary Tradelines – Authorized User Lines of Credit (Total High Limits: $80K)
- 7 Months of Unlimited Disputes
- 3 Free Hours of Business Consulting or Funding Consulting (Your Choice)
- Credit Rebuilding Coaching Sessions with CEO
- 24/7 Online Portal Access
- Unlimited Inquiry Challenges
- Credit Rebuilding Video Guide
- Bankruptcy Assistance
- Card Spending & Tradeline Guidance
- Outdated Personal Information Cleanup
- Custom Letters Sent to Creditors and Bureaus by CEO
- Advanced Dispute Strategies
- Debt Validation Support
- 7-Month Service Warranty with Reinsertion Protection
- 2 Free Tradelines!!!- Authorized User Line Of Credit
- Guaranteed two high limits of 80k-For a total of 80k in tradelines
- 7 Months Of Unlimited Disputes
- Free Vacation
- 24/7 Online Portal Access
- Unlimited Inquiry Removal
- Credit Rebuilding Guide Video -Boost Your Score up to 100 points
- Credit Rebuilding Coaching Sessions W/CEO
- Bankruptcy Removal
- Card Spending and Tradeline Building Guidance
- Removal Of Outdated Personal Information
- Custom Letters Sent To Creditors And Credit Bureaus Made by CEO
- Advanced Tactic Disputes and Strategies
- Debt Validation To Collection Agencies
- 7 month service warranty W Reinsertion Protection
We protect you if any accounts that we have removed return to your credit report we prepare documentation to fight this violation of your rights using the direct law from the Fair Credit Reporting Act.
- 6-months service warranty W Reinsertion Protection[?]
BACK ON TRACK FINANCIAL
THE BACK ON TRACK DIFFERENCE
At Back On Track Financial, we put YOU first. We set the golden standard in credit restoration and tax preparation, delivering results that empower you to achieve a brighter financial future.
We go beyond the basics to ensure your satisfaction with every service we provide. From improving your credit profile to maximizing your tax refund, we offer personalized solutions tailored to your needs.
💰 Need funds fast? We’re proud to offer tax advances up to $7,500 to help you take control of your finances when you need it most.
With our expert guidance and customer-first approach, you’ll unlock opportunities you never thought possible—because at Back On Track, your success is our mission.
Let’s get started today and put you on the path to financial freedom.
ALBE BLACK
“I had to level up, trust me spend your stimulus check on getting right.”
Hazel E
“They have been known to boost their clients scores over 150 points!”
Hitman Holla
“They have gotten thousands of their clients to get homes and brand new vehicles. Check them out!”
Get on Track to Fixing your Credit
We remove erroneous, deceptive, or unverifiable information from credit reports, such as bankruptcies, charge-offs, late payments, or tax liens. Our services will provide you with the following advantages:
- A huge leap of hundreds of points in your credit score
- Higher credit limits and new credit options at unbelievable rates
- Erasing any and ALL items that weren’t your fault
- Save thousands of dollars in interest every single year
- The freedom to pursue top-level jobs that depend on your credit score
- The feeling of total relief and freedom that can only come from breaking the chains of bad credit on your life!
- And so much more!
The best part is, Back On Track has the track record of success to back up what we say. Our client stories are filled with amazing comeback stories. We’re here to restore your future.
THE ROAD TO FINANCIAL INDEPENDENCE STARTS HERE
For over a decade, we’ve been helping people like you take on their creditors and collection agencies – and WIN! And we’d like to help you too.
After all, allowing your negative credit to hold you back in the future is a mistake. Bad credit doesn’t have to drag your finances down with rising payments month after month for the rest of your life. We’ll help you take back control and get Back On Track!
Testimonials
While you won’t be able to improve your credit overnight, small improvements made today can have a major impact tomorrow. Money management isn’t easy, but we’re here to assist you in making wise decisions for a brighter future.
Click below to watch or read more testimonials on our past and current clients.
Justin Wade
“I didn’t think buying a house was a possibility until I came across Back on Track.”
Carl Barnes
“During the pandemic, my business struggled so much until I came across Back on Track, which helped me raise my credit.”
Abigail
“If you think that your credit is ugly, you have nothing to lose and everything to gain by getting with Back on Track!”
Sophie
“I wanted to open a new business but unfortunately with Bad Credit, I couldn’t until I came across Back on Track.”
Shavonne
“She deletes collections, student loans, repossession, child support, and medical bills!”
D Will
“After receiving nothing but broken promises I had enough of it. Until I met Back on Track and after 3 months working with them I got myself a house!”
SAY GOODBYE TO BAD CREDIT!
Schedule an Appointment
Although there is no quick repair for credit, it is critical to act quickly. The sooner you figure out why your grade slipped, the sooner you can work on improving it. Contact us to get your credit on track fast!
