Eric Counts is the visionary entrepreneur behind CreditNerds.com, a leading name in the credit repair and business funding industry. With a passion for financial empowerment and a commitment to helping individuals and businesses achieve their financial goals, Eric has built CreditNerds.com into a trusted resource for credit repair and funding solutions.
When your credit’s in rough shape, it can feel like everyone has a “miracle fix.”Some promise to delete all your negative items overnight.Others guarantee a 700+ score in just 30 days.And some claim they’ve found “a secret credit loophole the banks don’t want you to know.” Let’s be real: There are a lot of scams […]
Adding someone as an authorized user on a credit card is often pitched as a quick way to boost their credit score, especially for young adults, spouses, or people trying to rebuild their credit. And in many cases, it can help.But not always. Before you bank on a credit score bump from becoming (or adding) […]
Let’s be honest: Most people don’t actually read their bank statements. They might glance at the balance, maybe skim a few transactions, and then move on. But hidden in those lines of text are the clues to better budgeting, smarter spending, and even protecting yourself from fraud. If you’re ready to get intentional with your […]
If you’ve ever checked your credit score and seen a dip you weren’t expecting, chances are someone mentioned the words “hard inquiry.” Cue the panic. Did checking your own score cause it?Did that “pre-approved” credit card mailer just sabotage your progress?Is your credit doomed now that you shopped for a car loan? Let’s clear it […]
When most people think about building business credit, their minds jump straight to loans, credit cards, or complicated bank applications. But what if you’re not ready for that? Maybe your business is new.Maybe you want to avoid debt.Maybe your personal credit isn’t strong enough to qualify for traditional funding yet. Whatever the reason: you can […]
First of all: Congrats.You did the work. You challenged inaccurate items, paid down debt, made changes, and rebuilt what once felt broken. That alone makes you part of a small (and growing) group of people who took their credit seriously and didn’t give up. But now that you’ve fixed your credit… what’s next? Is it […]
Summer is full of good intentions… and spontaneous expenses. Between vacations, back-to-school shopping, weekend road trips, and “just one more dinner out,” your finances might be feeling a little worn out, and that’s totally normal. But before the fall season hits with its own wave of spending (hello, holidays), it’s time for a quick financial […]
You’re at the register, ready to swipe your debit card, and then it happens: “Would you like to save 15% by opening a store card today?” It’s tempting. The discount is instant.And if you’re doing some serious shopping (school clothes, holiday gifts, or a major haul) it can feel like a smart move. But before […]
Monday hits hard.The inbox is full. The coffee’s barely kicked in. And your business to-do list feels longer than your weekend. But here’s one move that will pay off more than another scroll through unread emails: Start building your business credit. Even if you’re a solo entrepreneur. Even if your business is small.Even if you’re […]
We’ve all been there.Life happens.You miss a payment by a few days, or maybe forget altogether. And then panic sets in: “Did I just ruin my credit score?” The truth is, not all late payments are treated equally, and understanding how it works can save you a ton of stress (and points on your credit […]
