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.
You pull your credit report, expecting a simple answer, and instead, you see three different scores from three different bureaus. One’s good, one’s okay, and one seems way off. What gives? The truth is, having three credit scores isn’t a glitch. It’s how the system works. And understanding why those scores are different is a […]
If you’re a business owner or entrepreneur, you’ve probably used your personal credit to fund your business at some point. Maybe you used a credit card, a personal loan, or even a home equity line. That’s not unusual. But at some point, you’ll hit a wall. Because personal credit can only take you so far, […]
You worked hard all week. The weekend hits, and suddenly the world feels full of possibilities: takeout, Target runs, spontaneous day trips, drinks with friends, maybe a little online shopping from the couch at midnight. We’ve all been there.But if your budget mysteriously falls apart between Friday night and Sunday evening, it’s not just bad […]
It’s payday. That beautiful deposit hits your account, and for a moment, everything feels possible.But let’s be honest, that money can disappear fast if you don’t have a plan. Whether you’re trying to get ahead, fix your credit, or stop living paycheck to paycheck, what you do with that first check of the month matters […]
Your credit report isn’t something you check once a year and forget about. If you’re trying to improve, protect, or build your credit, monthly check-ins are one of the smartest habits you can develop. Think of it like checking your bank balance: just with long-term impact. Here’s your simple 3-step checklist to review at the […]
When most people think of credit scores, they picture their personal score. You know, the one that determines whether you get approved for a car loan, mortgage, or credit card. But if you own a business, you have another score that matters just as much: your business credit score. It’s one of the most overlooked […]
Summer is supposed to be the season of freedom: road trips, cookouts, last-minute flights, and family adventures. And after months of working hard, you deserve a break. But here’s what most people don’t realize until it’s too late:Some of the most common summer habits can quietly destroy your credit score. We’re not saying you shouldn’t […]
Building business credit can be one of the smartest moves you make as an entrepreneur. It helps you separate personal and business finances, access funding, and unlock better terms with vendors, lenders, and suppliers. But here’s the part most people miss:You need to set the foundation first. If you apply for business credit before your […]
If you’ve spent any time online lately, you’ve probably seen ads or influencers claiming that AI can fix your credit automatically. Some say it can clean up your report in minutes. Others say you can just upload your credit file, push a button, and boom: your score jumps 100 points overnight. So, can AI actually […]
Getting denied for credit stings. Whether it’s a credit card, car loan, or mortgage pre-approval, that “we’re sorry” message can feel like a punch to the gut, especially when you were counting on it. But here’s the truth most people don’t know:It’s not the denial that hurts your credit. It’s what you do next. If […]
