The Ultimate Beginner’s Credit Repair Checklist

Why Getting Started Matters

Everyone wants better credit — but most people never take that first step.Maybe it feels confusing, overwhelming, or like you’ll never catch up.The truth is: you don’t have to do it all at once. You just have to get started.

At Nygaard Credit Solutions, we help you take that first step — and make every one after it count.

Step 1: Pull Your Credit Reports

You can’t fix what you can’t see.Head to AnnualCreditReport.com and download all three reports — Experian, Equifax, and TransUnion.

Pro Tip: Save each one as a PDF and label them clearly (e.g., “Experian_Oct2025.pdf”). This helps you track changes as you improve.

Step 2: Review for Errors or Inconsistencies

Look for:

• Duplicate accounts

• Wrong account numbers or dates

• Balances that don’t match

• Old debts that should have fallen off

Even small mistakes can hurt your score — and they’re often the easiest to fix first.

Step 3: Plan Your First Round of Disputes

Instead of disputing everything at once, focus on 2–3 of the clearest inaccuracies per round.That keeps things organized and gives each credit bureau time to properly reinvestigate under the Fair Credit Reporting Act (§611).

Keep a record of what you send and when — your paper trail is your proof of progress.

Step 4: Start Rebuilding While You Wait

Don’t just wait for dispute results — build positive credit at the same time.Try adding:

• Experian Boost (free utility & rent reporting)

• Kikoff or Self (low-cost credit builder accounts)

• A secured card with small, regular use

These steps add fresh, positive data that helps your score rebound faster.

 Step 5: Track Your Progress & Stay Consistent

Real results come from consistency, not quick fixes.Use a spreadsheet or your N.C.S. Credit Tracker to log:

• Dispute dates

• Bureau responses

• Updated scores

• Which accounts improved

Celebrate every single win — each point gained is proof you’re moving forward.

Getting started is the hardest part — but you just did it by reading this guide.

Whether you want professional help or prefer to go the DIY route, Nygaard Credit Solutions is here to walk beside you every step of the way.

Start your journey today at www.ncscredithelp.com