Everyone thinks the credit bureaus sit around analyzing your dispute like detectives. Nope. Most of the time… a human never even touches it. Here’s the real “behind the curtain” view.... Your Dispute Goes Into a Machine After you send a dispute (even a beautiful, detailed, evidence-packed one), it almost always gets fed into an automated system called e-OSCAR . Think of e-OSCAR like a fax robot. It takes what you claimed and reduces it down to a small code  — called an ACDV code. Then it...

Learn how your credit score is calculated, what affects it most, and how to strategically improve it. Nygaard Credit Solutions explains the five key factors that shape your credit and how knowledge becomes your financial power. Why Understanding Your Credit Matters Your credit score is more than a number — it’s a summary of your financial behavior and a deciding factor in your ability to borrow, rent, and build wealth. From interest rates to insurance premiums, your score can open doors or...

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,...