Resource Hub

Tools, Templates & Tactical Guides

Ready to rebuild your credit, clean up outdated info, or challenge negative items? You’re in the right place. This hub is packed with tools designed to help you take control of your credit—whether you're working with us or going the DIY route.

✅ Follow step-by-step guides for common credit issues

✅ Learn how to clean up your report, monitor your progress, and grow your score

Empower your next move—your journey to better credit starts right here.

Protect Your Credit. Build Your Score. Take Back Control.

Whether you're currently working through credit repair or getting ready to rebuild, these free step-by-step guides from Nygaard Credit Solutions will help you take control with clarity. No guesswork. No fluff. Just real tools, real results.

What To Do While Fixing Your Credit

A no-stress guide to help you protect your progress during the dispute process. Learn what to do (and what NOT to do) while your credit is being repaired — from payments and balances to account behavior and mindset.

The Credit Rebuild Plan

Ready to start fresh? This guide lays out the exact mix of accounts, timing strategies, and tools to help you rebuild your credit the right way — with real results that grow month after month.

***Pair these free guides with the tools below to build momentum fast. These aren’t just affiliate links — they’re resources we believe in and recommend to our own clients. Using the right tools with the right strategy = better results, faster***

Download the Fix It Guide

Download the Rebuild Plan

IdentityIQ gives you the tools to track, protect, and grow your credit — all in one place.

Daily credit monitoring from all 3 major bureaus
Real-time alerts for inquiries, score changes, and new accounts
$1 million identity theft insurance (AIG-backed)
Dark web and fraud activity scanning
Utility payment reporting to help build credit history
Secure online disputes — handle errors yourself with expert tools

Going the DIY route?? You're not alone — we're here to support you. Nygaard Credit Solutions clients who sign up through our link can message us any time for help understanding their credit reports or how to dispute items confidently. Get started for $1.00 today!

Kikoff – Simple Credit BuildingThat Works

Looking for a low-cost way to build credit with no hard inquiry?

Kikoff offers a revolving credit line that reports monthly to the credit bureaus, helping boost your credit score over time. There’s no interest, no hidden fees, and no credit check required to get started. It’s perfect for those new to credit or working on a rebuild.

You’ll get a tradeline that helps improve payment history and credit utilization — two key score factors. Signing up takes just a few minutes, and approval is instant.

Turn Rent Into Credit Power – Report Your Payments with RentReporters.

Paying rent every month? Now you can finally get credit for it. RentReporters adds your on-time rent payments to your credit report, helping you boost your credit score with the history you already have.

Sign up with our RentReporters affiliate link
We verify your identity and rent history (last 24 months)
Your landlord confirms payments
We report your rent to TransUnion & Equifax
You keep growing your score each month with ongoing reporting

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Resource Hub

Protect Your Credit. Build Your Score. Take Back Control.