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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 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 …

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 credit score gauge with the needle pointing downward in the red zone. The person is holding their head with one hand, appearing stressed. The background includes a simple home office setup with a cup of coffee, financial documents, and a plant, illustrating the concern of a sudden credit score drop.

A sudden drop in your credit score can be frustrating, especially if you’re unsure why it happened. Credit scores fluctuate based on your financial behavior, and understanding the factors behind these changes can help you take control. If you're asking yourself why did my credit score drop, here are some of the most common reasons …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking at student loan documents with a thoughtful expression. They are holding a pen in one hand and a paper labeled 'Student Loan Application' in the other. The laptop on the desk displays a credit score gauge with the needle in the lower range. The background includes a simple home office setup with a bookshelf, a plant, and a cup of coffee, illustrating the challenge of applying for a student loan with bad credit.

Pursuing higher education can be expensive, but bad credit does not have to be a barrier to getting a student loan. Many students worry that a low credit score will prevent them from securing funding for college. However, several options exist for students with poor or limited credit history. Federal student loans, in particular, are …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, carefully reviewing a credit report. They are holding a pen in one hand and a document labeled 'Dispute Form' in the other. The desk has a laptop open to a credit report, a cup of coffee, and scattered papers. The background features a simple home office setup with a plant and a bulletin board with notes, illustrating the process of disputing and correcting credit report errors.

Errors on your credit report can impact your credit score and financial opportunities. If you notice incorrect information, you have the right to dispute it for free. Understanding how to dispute credit report information and correct errors is essential to maintaining an accurate credit profile. Whether you choose to file a dispute online, by mail, …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, reviewing a credit report with a focused expression. They are holding a pen in one hand and a document labeled 'Dispute Form' in the other. A laptop on the desk displays a credit report with highlighted sections. The background features a simple home office setup with a plant and a cup of coffee, illustrating the process of disputing credit report errors.

Reviewing your credit report regularly helps ensure accuracy and protects your financial health. If you notice incorrect information, you have the right to dispute it for free. You can submit disputes online, by phone, or by mail. However, if the error appears on reports from all three major credit bureaus—Experian, TransUnion, and Equifax—you may need …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, reviewing a financial document with a thoughtful expression. They are holding a paper labeled 'Debt Consolidation' in one hand and a pen in the other. A laptop on the desk displays a credit score gauge with the needle pointing towards the green section. The background includes a simple home office setup with a plant and a coffee cup, illustrating the concept of consolidating debt without negatively impacting a credit score.

Debt consolidation can help you manage multiple payments, reduce interest costs, and streamline your finances. However, many people worry about the impact it might have on their credit score. The truth is, while consolidation can cause a temporary dip in your credit, it can also improve your financial standing in the long run. So, can …

A semi-realistic cartoony illustration of a person wearing glasses sitting at a desk, looking at a financial document with a thoughtful expression. They are holding a calculator in one hand and a paper labeled 'Debt Plan' in the other. The desk includes a laptop and a few credit card statements. The background features a simple home office setup with a plant and a bookshelf, illustrating the concept of consolidating credit card debt.

If you're struggling with high-interest credit card debt, consolidation can be an effective way to manage and pay it off faster. By combining multiple debts into one, you may lower your interest rate and simplify your payments. Here are 5 ways to consolidate credit card debt and choose the best option for your financial situation. …