Everyone Deserves a New Start!

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At NSCC we create a customized plan for each individual client to maximize results based on their given personal short-term and long-term credit situation & goals.

FREE initial consultation includes:

  • One-on-One review of credit report & trade line review
  • Brief strategy discussion and tips

NSCC will then for a fee:

  • Create an Individualized Credit Plan
  • Assist with finalizing outstanding collections
  • Work to remove outdated & erroneous information as it pertains to the FCRA (Fair Credit Reporting Act) guidelines from your credit file
  • Work with our clients until satisfactorily accomplishing your goals


Meet Our Consultants


Tonya Aldridge

Tonya Aldridge has been in the mortgage/lending industry for 20 years, with the past 8 years as a credit executive. Her goal is to educate and share her knowledge of FICO to empower her clients so that they may achieve their future financial needs. She specializes in working with banking, mortgage, and credit union platforms to increase profitability and teach their agents how to increase their bottom line. Tonya has been the guest speaker at many California Associations including Placer County Association of Realtors, Sacramento County Association of Realtors, Keller Williams Realty, 21st Century Realty and multiple Realtor/Banking Groups.

In Tonya's free time she enjoys spending as much time as possible with her two children Brandon and Kaillie, camping, traveling, hiking, skiing, and reading.  Her motto is to “never stop learning and to always help others once we have the knowledge to do so.” It is our purpose!

Lee Davis

Lee Davis is a Certified Credit Report Reviewer (CCRR®) which covers all laws and guidelines laid out by the FCRA (Fair Credit Reporting Act). He has 8 years of experience in the mortgage and real estate industry and has worked in the field of higher education for 15 years.

Lee is very passionate about educating his clients as it relates to their credit health and credit responsibility. His passion and experience help him achieve outstanding results with his clients as they will attest. Lee believes, “we must do a better job educating our community as it relates to credit and credit health. This is an important and vital key to our economic success as it directly impacts our financial well-being”.

In Lee’s free time he enjoys spending time with his family and coaching basketball. Lee believes in giving back to the community and society as a whole in both his personal life and through his work at New Start Credit Consulting.