Nygaard Credit Blog

When people think about fixing their credit, they usually go straight to the big stuff: charge-offs, collections, late payments. But...

If you've spent any time online lately, you’ve probably seen the flashy ads or viral reels claiming you can “delete anything from your...

Seeing the words “charge-off” on your credit report? Don’t panic. A charge-off doesn’t mean your debt has vanished—it means your creditor...

Paid off a collection but it’s still haunting your credit report? You’re not alone—and yes, there are  ways to have it removed. Even...