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.
Sometimes, the easiest way to take control of your money isn’t with spreadsheets or complicated plans. It’s by not spending at all for a day. A “no-spend day” is exactly what it sounds like: choosing one day where you spend nothing outside of fixed bills. No coffee runs. No takeout. No impulse buys. It’s a […]
Most people know their credit score matters when applying for a loan or credit card, but what many don’t realize is that it reaches far beyond borrowing money. Your credit score can quietly influence your insurance rates, your ability to rent a home, or even your job opportunities. That’s why understanding its impact is so […]
Few things are more frustrating than working hard to build your credit (paying on time, keeping balances low) only to check your score and see it’s gone down. Before you panic, here’s the truth: a credit score drop doesn’t always mean you’ve done something wrong. Sometimes, it’s just how the system works. 1. Your Credit […]
When most business owners think about credit, they picture funding (loans, credit cards, or vendor accounts). But here’s something many overlook: your business credit can also influence whether or not you land big contracts. Large companies, government agencies, and even well-known vendors often run business credit checks before agreeing to work with you. A strong […]
If budgeting feels like a chore you can’t keep up with, here’s some good news: it doesn’t have to be complicated. In fact, one of the most effective ways to stick to a budget is to automate it. Set up systems that run quietly in the background, so your money moves where it needs to […]
When it comes to credit, time isn’t just a number. It’s power. One of the most overlooked parts of building strong credit isn’t about opening new accounts or disputing errors… It’s about letting your credit season. Credit seasoning is the process of letting accounts age to build trust with lenders and increase your creditworthiness over […]
If your paycheck changes from month to month (maybe you’re self-employed, work on commission, or have a side hustle) traditional budgeting can feel impossible. How do you plan for bills when you never know exactly what’s coming in? The good news is that with the right strategy, you can build a stable financial plan even […]
You might think bad credit is the biggest financial hurdle, but for millions of people, the real problem is having no credit history at all. It’s called credit invisibility, and it affects roughly 1 in 10 adults in the U.S. These are people who pay their bills, work hard, and handle money responsibly, but because […]
If you’re running a business, even a small side hustle, your personal credit might be doing more heavy lifting than you realize. Many new entrepreneurs use personal credit cards, personal loans, or even their own savings to get started. But here’s the catch: every time your business borrows or spends under your personal name, your […]
Impulse spending is one of the biggest budget killers. You tell yourself you’ll stick to your plan, but then a sale, a gadget, or a late-night online shopping scroll derails your progress. Enter the 24-hour rule: a simple, powerful habit that can save you hundreds (or even thousands) each year. What Is the 24-Hour Rule? […]
