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First... the legal stuff

All credit repair companies are required by law to inform you of your rights as a consumer. Most hide them on some back page of their website. Not Us! Check out your consumer rights below and click "I understand My Rights" to get started.

F.T.C. Consumer Rights Notice

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then re-investigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.If the credit bureau’s re-investigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations.

For more information contact:
The Public Reference Branch Federal Trade Commission
Washington, D.C. 20580

(a) Separate Statement Requirement-The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.

(b) Retention of Compliance Records-In general-The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.Maintenance for 2 years-The copy of any consumer’s statement shall be maintained in the organization’s files for 2 years after the date on which the statement is signed by the consumer.

Terms of Service

The specific services, guarantees, payment terms, time-frame, and total cost are set forth in the client disclosure statement incorporated herein for all purposes. NOW, in consideration of the mutual promises contained herein, the parties agree as follows:

Conflict of Interest
Client warrants to Company that it does not currently represent or promote any lines or products that compete with the Company’s Products, they are not currently a client of any other Credit Repair company, nor have they been a client of another credit repair company in the last six (6) months.

Indemnification by Client
Client shall indemnify and hold Company free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of negligence or malfeasance of Client.

Indemnification by Company
Company shall indemnify and hold Client free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of failure of Company to provide reasonable credit score increase within the allotted term.

Affiliate Service Provider
While it is not the current policy of CreditNerds.com to use an affiliate service provider, Company has the option of fulfilling the credit services through a credit services processor or affiliate to best serve you.

Terms and Termination
a. This Agreement shall continue as outlined in “Exhibit A” unless terminated by Company or Client as provided herein.

b. Termination for Cause. If either party shall default in the performance of any material obligation in this Agreement, then the non-defaulting party may give written or electronic notice to the defaulting party and if the default is not cured within thirty (30) days following such notice, the Agreement will be terminated.

Client acknowledges that by reason of its relationship to Company, they will have access to certain information and material concerning Company’s business that are of substantial value to Company. The value would be impaired if such information were disclosed to third parties. Client agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company.

Governing Law and Jurisdiction
This Agreement shall be governed by and construed according to the laws of the State of Arkansas.

Entire Agreement
This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to the Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged.

Any notices required or permitted by the Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested or by recognized overnight delivery service: If to Company; at its principal place of business or if to Client, at the provided address.

If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effort.

Legal Expenses
The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys’ fees.


  1. Client will need a Proof of Identity and a recent utility bill showing the correct address (phone bill, gas bill, electric bill, etc…)
  2. Client agrees to maintain a “credit monitoring system” and provide CreditNerds.com access to that account. If client fails to keep an active monitoring account and fails to provide credit results, client’s file shall be cancelled.
  3. Client agrees to forward all mail received regarding their credit file to CreditNerds.com.


CreditNerds.com offers no guarantee as to a specific result from the use of our services. CreditNerds.com is engaged for the attempted repair or removal of each item on which the client chooses for us to work. CreditNerds.com requires the client to keep an active credit monitoring system. After each round of disputes, CreditNerds.com will update that monitoring account by requesting a new 3-bureau credit report, and the client will be notified of any items that have been repaired or removed in the previous round of disputes. These deletions or repairs may or may not lead to an improvement in the client’s credit scores and/or credit report.



All clients of CreditNerds.com must read and understand the following statements.

  • Client understands this is a binding agreement.
  • Either party may cancel this agreement at any time.
  • CreditNerds.com shall, within the course of 5 to 7 business days of signup, set up clients with their online private client site which will allow them to check progress throughout their service.
  • A username and password will be provided to the client to access their online client portal.
  • CreditNerds.com will prepare client audit within 5 – 7 days and deliver via the online client portal before the audit fee is charged.
  • CreditNerds.com shall prepare challenges for items appearing on the customer’s credit reports in accordance with the FCRA.
  • After each consecutive round of service, CreditNerds.com shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act or other laws applicable.
  • All items repaired or removed will be posted to the client’s online portal, which is accessed online by username and password provided to client upon initiation.
  • CreditNerds.com shall assist client in determining the action to take with each account in regards to that client’s file.
  • CreditNerds.com is available to review the client’s personal credit file by calling the customer service numbers provided upon enrollment.
  • Client acknowledges receipt of two (2) copies of a Notice of Right to Cancel.
  • Client acknowledges receipt of Consumer Credit File Rights under State and Federal Law.
  • CreditNerds.com shall also provide a client services staff for assistance in answering questions regarding a client’s account.
  • CreditNerds.com will ONLY challenge items as allowed by law.
  • A “removal” is defined as an item, tradeline, personal information, or inquiry that is removed from any of the client’s three credit files for ANY reason during our service.
  • A “repair” is defined as any “formerly negative” tradeline or any of the client’s credit files that, during our service, becomes a “positive” tradeline. This could include but is not limited to removal of “late notations” or “status change”.



Our core services of Credit Repair are provided 100% free of charge.
All clients may CHOOSE to purchase an OPTIONAL credit audit for $97.
This fee will be charged only after the audit has been completed and delivered to the client via the online client portal.



  • Create a unique, secure interactive client web portal for online access.
  • A username and password will be provided to the client to access their online client portal.
  • Create a secure online environment as part of the client web portal for secure document sharing and transfer.
  • Assist client in obtaining copy of credit report if needed.
  • Analysis and review of client credit report.
  • Enter Data from clients credit report into internal database.
  • Enter Data from clients credit report into secure interactive online client portal.
  • Enter clients information into online client portal for tracking purposes.
  • Analysis and review of client file status updates.
  • CreditNerds.com shall also provide a client services staff for assistance in answering questions regarding a client’s account.
  • Receiving and processing of Manual Updates.
  • Respond to, receive, and or initiate correspondence via telephone, mail, email, or fax.
  • Review clients credit report updates to determine next step.
  • Create strategic plan to assist clients in meeting their goals.
  • Create dispute letters.
  • Assist with credit questions.
  • Provide ongoing credit education.

We would like to take this time to thank you for trusting CreditNerds.com to help you through this difficult time. We are glad you have given us the chance to help, and we look forward to a successful relationship together.

Consumer Protection Laws

It's important to know your rights.

There are many consumer protection laws that are meant to protect you from creditors, the bureaus, and yes... even from us. 

Below are the most common of these starting with the C.R.O.A. or Credit Repair Organizations act. This law defines how we are able to help you and lays out the things credit repair organizations are NOT allowed to do including make false promises and charge upfront for their services.  The rest are the laws we use to help you repair your credit.

The C.R.O.A. or Credit Repair Organizations act is intended to protect you from shady credit repair companies with bad intentions. Check out this law in a new tab by clicking below.
Credit Repair Organizations Act

Cancellation Policy


The cancellation policy below is simply a legal requirement for our agreement.



You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract.

You may cancel this contract, without penalty or obligation; within Five (5) days after the date you sign this agreement.

If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt of your cancellation notice.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to CreditNerds.com at address below, not later than midnight of the 5th day after your enrollment payment is received.

What is PCC Advertising?

At their core, keywords are one of — if not the most — single important component of a successful SEO campaign. Keywords refer to the words typed into a search box – be it on Google, Bing, or Yahoo. However, there is much more to keywords than just that.

The keywords typed into a search box reveal certain details about customers and how they go about searching for things. Knowing this, it’s important to target keywords that mimic your customer’s minds and search tendencies.