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Eric Counts

Eric Counts

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.

Professional Journey

Eric’s journey in the financial world began with a deep understanding of the challenges people face when dealing with credit issues. Fueled by a desire to make a meaningful impact, he founded CreditNerds.com® to provide clients with a results-driven approach to credit repair.

Under Eric’s leadership, CreditNerds.com® has earned a reputation for excellence, offering personalized solutions that address a wide range of credit challenges. Eric’s dedication to transparency and a customer-centric approach has set a new standard in the industry, ensuring that clients only pay when successful results are achieved.

A Vision for Financial Success

Eric’s vision extends beyond credit repair, as he recognizes the importance of business funding in helping entrepreneurs and businesses thrive. His commitment to clients goes beyond resolving credit issues; it includes guiding them toward financial prosperity and business growth.

Eric Counts and CreditNerds.com® continue to be at the forefront of the industry, transforming financial futures and empowering individuals and businesses to achieve their dreams.

 

Check Out Our Blog

A square cartoon-style image of a worried man with glasses holding a document labeled "Charge-Off" marked with a red X symbol. His other hand rests on his head in concern, highlighting the stress and confusion often associated with charge-offs.

When it comes to your credit health, few things carry as much weight as a charge-off. But what is a charge-off, really? And more importantly, how does it affect your financial future? Let’s explore this crucial credit term and break down everything you need to know. What Is a Charge-Off? A charge-off occurs when a …

A semi-realistic cartoon-style illustration of a concerned man with dark hair and glasses sitting at a wooden table. He rests one hand against his face and points at a document labeled "BANKRUPTCY" with a large question mark, conveying uncertainty and contemplation. A pen lies beside the paper, and the background is a warm beige tone, keeping the focus on the man's expression and the document.

Filing for bankruptcy can offer a financial reset—but it's not without consequences. While the law doesn’t limit the number of times you can file, each type of bankruptcy carries specific waiting periods before you can receive another discharge. So the real question isn't just how often you can file—it's how often you should. Is There …

A square cartoon-style illustration of a man with glasses holding a credit card, appearing concerned. A red padlock and a blue question mark float beside him, symbolizing uncertainty around credit card decisions.

At some point, you might think about canceling a credit card. Maybe the annual fees seem too high. Or maybe the rewards don’t fit your lifestyle anymore. Perhaps you simply want to simplify your wallet—or eliminate the temptation to overspend. Whatever your reason, it’s important to pause and ask: Does closing a credit card hurt …

A square cartoon-style image of a man with glasses holding a document labeled "Car Title" in front of a red sedan. He stands outside on a sunny day with a background of trees and a clear sky, representing the process of transferring a car title.

Transferring a car title is one of the most important steps in buying or selling a vehicle. It ensures legal ownership changes hands and protects both parties from future liability. Whether you’re buying from a private seller or through a dealership, understanding how to transfer a car title is essential. Why a Title Transfer Matters …

A square cartoon-style image of a man with glasses standing outside a car dealership, smiling while holding a clipboard labeled "Loan" and a pen. Red and blue cars are parked nearby under a sunny sky with trees in the background.

Buying a car is more than picking out a vehicle—it’s a financial decision that often involves two separate negotiations: the price of the car and the terms of the car loan. Handling both at once can be overwhelming. So, should you apply for a car loan before going to the dealership? In most cases, the …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk with a thoughtful expression, holding a credit card in one hand. The desk includes a laptop, a potted plant, a questionnaire diagram, and other simple office items, illustrating the concept of understanding how credit cards work.

Understanding how credit cards function is essential for using them responsibly and avoiding costly mistakes. At their core, credit cards give you access to a revolving line of credit. You can borrow, repay, and borrow again—without reapplying. What Is a Credit Card? A credit card is a financial tool that lets you borrow money repeatedly, …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, reviewing tax documents with a thoughtful expression. They are holding a paper labeled 'Tax Dependents,' while a calculator and financial statements are spread out on the desk. The background includes a simple home office setup with a laptop, a plant, and a cup of coffee, illustrating the concept of tax dependency rules after age 18.

Your parents may still claim you as a dependent after you turn 18, but it depends on whether you meet IRS requirements. This can provide tax benefits for your parents, helping to offset costs if they continue supporting you financially. However, the rules change as you get older, determining whether you qualify as a dependent …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking at their laptop screen with a concerned expression. The screen displays a warning icon, symbolizing an online scam. Surrounding the desk are a phone with a suspicious message, a credit card, and financial documents. The background includes a simple home office setup with a plant and a cup of coffee, illustrating the importance of staying alert to scams in 2025.

Scams continue to evolve, using new technology and tactics to deceive victims. Fraud has become increasingly common, with reports showing that over $1 trillion was lost to scams in 2024. Understanding the latest threats can help you stay ahead and protect yourself. The latest scams you need to be aware of in 2025 include AI-powered …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking worried while holding a car payment bill marked 'Overdue.' The desk includes a calculator, scattered bills, and a laptop displaying a financial dashboard. In the background, a clock on the wall emphasizes the passage of time, illustrating the growing issue of late car payments.

More Americans are struggling to keep up with their car payments, reaching the highest delinquency rates in over 30 years. Rising costs and high interest rates have made it increasingly difficult for borrowers to stay current on their auto loans. As financial pressure mounts, many consumers are facing serious consequences, including potential repossession of their …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking at their laptop screen with a shocked expression. The screen displays a warning symbol, indicating a data breach. The person is holding their head in concern while their other hand rests near a coffee cup. The background includes a simple home office setup with a plant and scattered papers, illustrating the concern over online security risks and data breaches.

With cybercrime on the rise, protecting personal data has become more critical than ever. But what is a data breach? A data breach occurs when criminals gain unauthorized access to sensitive information, often for malicious purposes like identity theft and fraud. In recent years, data breaches have become more frequent, affecting millions of individuals and …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking at their laptop screen with a worried expression. The screen displays a credit score gauge with the needle pointing downward in the red zone. The person is holding a financial statement in one hand while scratching their head in confusion. The background includes a simple home office setup with a coffee cup, scattered papers, and a plant, illustrating the concern over a sudden credit score drop.

When it is time to buy a new car, determining your budget is essential. Many factors influence affordability, including your income, expenses, and other financial commitments. The Consumer Financial Protection Bureau (CFPB) recommends spending no more than 10% to 15% of your monthly take-home pay on total transportation costs. These include car payments, gas, insurance, …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking at their laptop screen with a concerned expression. The screen displays a warning symbol, indicating a fraud alert. The person is holding a phone in one hand as if calling their bank. The background includes a simple home office setup with a coffee cup and some paperwork, illustrating financial security concerns related to fraud alerts.

A fraud alert notifies creditors that you may be a victim of identity theft and instructs them to verify your identity before approving any new credit in your name. This added layer of security helps prevent unauthorized accounts from being opened using your personal information. Fraud alerts are free to place, and once you set …