BACK ON TRACK: YOUR PATH TO FINANCIAL FREEDOM
Rebuild Your Credit. Regain Your Power. Get Back On Track. We've helped hundreds erase negative items, rebuild strong profiles, and qualify for cars, homes, and peace of mind.
Meet Pascha Nixon
I'm Pascha Nixon, founder of Back On Track Financial. I've been doing credit repair for 10 years, helping real people break through barriers and rebuild their financial freedom.
"Your credit is your access, your freedom, your future."
What We Remove From Your Credit Report
Our proven strategies can help eliminate these negative items
Collections and Charge-offs
Bankruptcies and Foreclosures
Evictions and Repossessions
Late Payments and Missed Payments
Hard Inquiries and Excessive Credit Pulls
Public Records and Judgments
We Get Real Results
Real Results Real Clients
At Back On Track Financial, we don't just talk about it — we show you the proof.
These are actual client credit score increases after working with us. These clients experienced massive jumps across Equifax, Experian, and TransUnion.
Ready for your success story? Let's get your credit Back On Track.
Video Testimonials
Hear from clients who've transformed their credit and their lives
Young Joc
Yandy Smith
LeToya Luckett
Radio Big Mack
Client Testimonial
Hitman Holla
Client Testimonial
Client Testimonial
Client Testimonial
Google Reviews
More Than a Plan — You Get a Partner
My process is designed for people who've been underserved, overlooked, or frustrated by the system.
Full Credit Audit
Full audit of your credit reports, explaining what's working and what's not. Personalized plan built around your unique history, not a one-size-fits-all template.
Monthly Check-Ins
Monthly to near-monthly check-ins so you don't feel lost or left behind. Transparent support, real talk, premium service.
Real Results
We don't promise magic, but we deliver motion. You reclaim your power and your credit one step at a time.
Choose Your Path
To Better Credit
Select the package that best fits your needs and budget
Once you enroll you will review and sign your service agreement, complete the required enrollment steps, and provide the information needed for your credit report audit and dispute document preparation.
COACH
Credit Basics Refined
For Minor Credit Challenges, Such As Collections Or Inquiries. Not intended for Bankruptcies, Charge-offs, Repossessions, or Severe Derogatories.
FIRST CLASS
Elevated Repair For Serious Items
For Addressing Bankruptcies, Repossessions, Charge-offs, Evictions, and Late Payments.
WORLD CLASS
Where Power Meets Precision
One $40K Tradeline – Authorized User Line of Credit.
PRESIDENTIAL
The Executive Line to Total Credit Transformation
Two Tradelines ($80K) – Authorized User Lines of Credit.
Your Credit Should Open Doors — Not Close Them
Poor credit doesn't just deny you approval — it delays your future.
Your Dream Car Awaits
Stop settling for what you can afford today. Build the credit to drive what you've always wanted tomorrow.
Own Your Legacy
Homeownership isn't just a purchase—it's generational wealth. Let's get your credit ready for it.
Enroll now and take the step to get your credit back on track so you can get the car, the home, the freedom you've been working for.
Already A Client?
Access your portal and track your progress.
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You've waited. You've been denied.
You've been ignored.
It's time to GET your credit and your life
Back On Track.