It's Not Just Business.
It's Personal.
We don’t do this because it’s trendy. We do it because we’ve lived it.
We’ve been in the trenches—overwhelmed by bills, stuck with bad credit, watching doors close for people we love. That’s why Nygaard Credit Solutions isn’t a business we built to make money. It’s a mission born from real struggle, family healing, and deep purpose.
When we say we care—it’s not marketing.
It’s our mother calling in tears after a late payment.
It’s a friend getting denied for a job they deserved.
It’s the feeling of being stuck... and finally getting free.
We show up with compassion, strategy, and fire—because every life we help change is a win that means something to us, personally.
What We Do + How We Do It
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Dispute Inaccurate & Outdated Info
We challenge unverifiable or misreported data using FCRA + Metro 2 standards — the real rules of the credit game. -
Build Credit the Smart Way
From secured cards to rent reporting, we guide you through powerful tools to grow your score without going broke. -
Simplify Your Financial Life
We help uncover hidden benefits, cut confusion, and give you practical steps toward peace of mind. -
Personal Plans. Real Results.
No one-size-fits-all here — we tailor your credit strategy to your goals, whether that’s a home, car, or fresh start.
Not Sure Where To Start??
If you're not sure where to start, let’s talk about it. Book a free consultation with our Board Certified Credit Consultant and we’ll walk through your credit report together, answer your questions, and build a game plan that fits your goals. (click the link below to get started with your credit monitoring service). Still unsure? Use the Chat button for immediate questions.
WHAT PEOPLE SAY
Hailey W.
I can't believe I saw a 36 point increase in less than 30 days! They are the real deal.
Mickey The Kid
I went from no credit score to the 600 club working with these ladies!
Rebecca R.
While working out my credit issues, I really did see a 14 point increase during my first month. So glad I gave it a chance!
Let’s Start Your Credit Restoration Today
Let’s get started—your next chapter begins here.
Join N.C.S. for just $59/month during our Summer Promo, includes Indentity IQ credit monitoring. (Ask about our special pricing)
No contracts. No confusion. Just steady support for as long as you need it.
Based in the Heart of North Carolina, family owned and operated.
