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Personal & Business Credit Services

One place for your personal & business credit solutions.

No longer do you have to go to multiple sites to manage your personal credit and business lending needs.

Ready to get started?!
Which service best fits your needs?

Credit Services

Whether you are looking to manage your personal credit, build your business credit, or fix the damage of past mistakes, we can help... and did we mention it's free?

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Lending & Financing

Looking to find additional money for personal, business, or real estate projects? We have helped our customers obtain over $100,000,000 in funding.

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Partner with Us

Curious how we can help support the people and businesses in your community and create an additional stream of income at the same time? Let's Talk!

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What is BAD Credit costing you?

Check out the savings on some average rates based on credit score.

Mortgage Savings
Good credit can save you tens of thousands of dollars on a mortgage. Here is a breakdown of the total principal and interest that would be paid based on a 30 year mortgage for $150,000 home.
  • Excellent Credit
    • Rate 3.2%
    • Total Cost of $233,532
  • Average Credit
    • Rate 3.6%
    • Total Cost of $245,508
  • Bad Credit
    • Rate 4.8%
    • Total Cost of $283,319
Bad Credit cost this person $50,223 in extra interest.
Auto Loan Savings
Good credit can also save you a ton on your auto purchase. Here is a breakdown of the total principal and interest that would be paid based on a 60 month loan for a $30,000 car.
  • Excellent Credit
    • Rate 0%
    • Total Cost of $30,000
  • Average Credit
    • Rate 6.5%
    • Total Cost of $35,187
  • Bad Credit
    • Rate 14%
    • Total Cost of $41,882
Bad Credit cost this person $11,882 in extra interest.
Credit Card Savings
We all know credit cards can be a blessing and a curse. Here is a breakdown of the common rates of cards based on credit.
  • Excellent Credit
    • Rate 12.9%
  • Good Credit
    • Rate 17.6
  • Average Credit
    • Rate 20.1%
  • Poor Credit
    • Rate 22.2%
  • Bad Credit*
    • Rate 25.4
*assuming the person was able to get approved at all!
Insurance Rates
Not everyone realizes how important credit scores are in the insurance industry. Here is a breakdown of the common rates* based on credit.
  • Excellent Credit
    • Rate $1,500
  • Good Credit
    • Rate $2,000
    • 20% higher
  • Average Credit
    • Rate $2,150
    • 45% higher
  • Poor Credit
    • Rate $2,400
    • 60% higher
  • Bad Credit*
    • Rate $2,580
    • 72% higher
*30yo driver, no claims, no tickets, city driving.
What is BAD Credit costing you?

Check out the savings on some average rates based on credit score.

Mortgage Savings
Good credit can save you tens of thousands of dollars on a mortgage. Here is a breakdown of the total principal and interest that would be paid based on a 30 year mortgage for $150,000 home.
  • Excellent Credit
    • Rate 3.2%
    • Total Cost of $233,532
  • Average Credit
    • Rate 3.6%
    • Total Cost of $245,508
  • Bad Credit
    • Rate 4.8%
    • Total Cost of $283,319
Bad Credit cost this person $50,223 in extra interest.
Auto Loan Savings
Good credit can also save you a ton on your auto purchase. Here is a breakdown of the total principal and interest that would be paid based on a 60 month loan for a $30,000 car.
  • Excellent Credit
    • Rate 0%
    • Total Cost of $30,000
  • Average Credit
    • Rate 6.5%
    • Total Cost of $35,187
  • Bad Credit
    • Rate 14%
    • Total Cost of $41,882
Bad Credit cost this person $11,882 in extra interest.
Credit Card Savings
We all know credit cards can be a blessing and a curse. Here is a breakdown of the common rates of cards based on credit.
  • Excellent Credit
    • Rate 12.9%
  • Good Credit
    • Rate 17.6
  • Average Credit
    • Rate 20.1%
  • Poor Credit
    • Rate 22.2%
  • Bad Credit*
    • Rate 25.4
*assuming the person was able to get approved at all!
Insurance Rates
Not everyone realizes how important credit scores are in the insurance industry. Here is a breakdown of the common rates* based on credit.
  • Excellent Credit
    • Rate $1,500
  • Good Credit
    • Rate $2,000
    • 20% higher
  • Average Credit
    • Rate $2,150
    • 45% higher
  • Poor Credit
    • Rate $2,400
    • 60% higher
  • Bad Credit*
    • Rate $2,580
    • 72% higher
*30yo driver, no claims, no tickets, city driving.
How does it work?

Our Process is Simple.

01
Step 1: Take a Look.

We start by simply looking over your personal situation so we can have an informed conversation about your options.

02
Step 2: Discuss Your Options

Next... we talk. And trust us, we know that seems crazy in this online world of automation and message bots.

03
Step 3: Take Action!

Once we have a plan, then it's time to take action. We move forward to help you quickly reach your goals.

What are you waiting for?

With so many options...

Why Choose CreditNerds®?

01.
Lowest Cost
No matter which of our services you choose, you will find that CreditNerds® will consistently have the lowest costs.
02.
Experienced Staff
The staff at CreditNerds® has the knowledge and experience required to help you reach your personal and business goals.
03.
Great Service
When it comes to our services, we put our customers FIRST! This means we always provide a great customer experience.
04.
Fast Results
CreditNerds® services are built to purposely incentivize us to get your work done as soon as we possibly can.
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