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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.

 

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A semi-realistic cartoon of a character with glasses, standing next to a car and looking puzzled. The character holds a car key in one hand and a document labeled 'Return Policy' in the other. In the background, a car dealership building with a prominent 'Returns' sign is visible. The image has warm, inviting tones, perfect for illustrating the topic 'Can You Return a Car You Just Bought?'

Buying a car is an exhilarating experience, but sometimes, the excitement quickly fades. You might find yourself questioning your decision and wondering, can you return a car you just bought? Generally, the answer is no, but there are specific situations where returning a car might be possible. Understanding these scenarios and knowing your options can …

A semi-realistic cartoony style image of a person wearing glasses, looking worried while holding a credit card statement with increasingly larger numbers. Surrounding the character are symbolic snowballs growing in size, representing the accumulating interest on the credit card balance. The background shows a simple living room setting with a couch, coffee table, and plants, adding a relatable context. Bright and engaging colors make the image visually appealing.

Credit cards provide a convenient way to manage expenses, whether you're covering daily purchases, emergencies, or significant expenditures. However, understanding how interest charges accumulate is crucial, especially when you don’t pay off your entire balance each month. In this post, we’ll explore how interest on credit card balances works and why carrying a balance can …

A semi-realistic cartoony style image of a person wearing glasses, looking at a calendar with important dates circled. The character is holding a document labeled 'Grace Period' and seems thoughtful, indicating they are considering the time allowed for payment. The background includes subtle office elements like a desk, computer, and bookshelf, with bright and engaging colors making the image visually appealing.

A grace period allows you to avoid interest or fees on borrowed money for a specified time. Grace periods differ by lender and loan type, but understanding them can save you money. Here’s what you need to know about periods. How Does a Grace Period Work? Lenders often provide grace periods, although they are not …

A semi-realistic cartoony image of a worried character wearing glasses, looking at their credit card with a shocked expression. The background includes subtle hints of hacking elements like binary codes and warning symbols. The character is in a home setting with a laptop open on a desk, displaying a warning message on the screen, reflecting the theme of credit card hacking.

11 Signs Your Credit Card Has Been Hacked Credit card fraud is prevalent. In 2023, it was the most common type of identity theft, according to the Federal Trade Commission (FTC). With so much information stored and transmitted digitally, your credit card information can be hacked and used without your card ever leaving your wallet. …

Cartoon-style image of a young man wearing glasses, standing in a park with American flags and memorial wreaths, smiling and holding a small American flag, with people in the background paying respects at a memorial.

As we celebrate Memorial Day, we take time to honor and remember the brave men and women who have made the ultimate sacrifice for our country. At Credit Nerds, we understand that the best way to honor their legacy is by supporting the veterans and families who continue to serve our nation in countless ways. …

A semi-realistic cartoon-style illustration of a thoughtful person with glasses sitting at a desk, looking at a computer screen displaying "Account Balances Impact Credit". The character is holding a financial statement and is surrounded by icons like credit scores, dollar signs, and bar graphs. The character is dressed in casual clothes, appearing focused and contemplative. The background shows a home office setting with a bulletin board and a window displaying a neutral sky, emphasizing the importance of managing finances.

Understanding how your account balances affect your credit is crucial in managing your financial health. This article explores the dynamics between your balances and credit scores, detailing strategies for optimal management. The Influence of Account Balances on Credit Scores Account balances directly impact your credit if they are reported to credit bureaus. The way these …

A somewhat realistic cartoon-style image of a surprised character wearing glasses, holding an empty wallet with money flying out. The background includes various everyday items and services such as coffee cups, streaming subscription logos, takeout food containers, shopping bags, and a car, representing hidden expenses. The character has a confused and startled expression, realizing the different ways they are unknowingly spending money.

Finding ways to reduce your spending can help you save more or keep more in your pocket. If you're feeling financial pressure, you might be consciously limiting everyday spending or cutting back on discretionary areas in your budget. However, what about the spending you do unconsciously? "Budget leaks" are money you spend without thinking or …

A semi-realistic cartoon-style illustration of a determined person with glasses sitting at a desk, looking at a laptop screen displaying the text "Find Investors". The character is holding a document titled "Business Proposal" and is surrounded by icons like dollar signs, handshake symbols, and graphs. The character, dressed in business casual attire, appears focused and confident. The background features a modern office setting with a whiteboard and a window showing a cityscape, symbolizing business growth and opportunities.

When you're on the hunt for investors to help purchase a business, you're seeking more than just capital; you're searching for individuals who trust your judgment and share your vision. This search can seem daunting, but with the right approach, you can connect with many investors eager to support a person like you. In this …

A semi-realistic cartoon-style illustration of a frustrated person with glasses, reviewing auto insurance documents. The character is holding a checklist titled 8 common auto insurance mistakes and has a worried expression. Surrounding them are icons like a car, a broken piggy bank, exclamation marks, and a notepad, symbolizing financial concerns and mistakes. The character is dressed in casual clothes, appearing stressed but determined. The background shows a simple home office setting with shelves and a window displaying a cloudy sky, highlighting the seriousness of the topic.

Navigating auto insurance can be complex and confusing, but understanding common pitfalls can save you money and enhance your coverage. Let’s explore eight typical mistakes people make when buying or maintaining auto insurance and how you can steer clear of them. 1. Failing to Shop Around A significant mistake that can impact your budget is …

A somewhat realistic cartoon-style image of a worried character wearing glasses, standing in front of a large sign that reads "Bankruptcy." The background includes financial documents, charts, and a broken piggy bank, symbolizing financial distress. The character has a thoughtful expression, contemplating the decision of filing for bankruptcy.

Bankruptcy can shield you from financial ruin when debts become insurmountable. However, it has severe, long-lasting negative impacts on your credit and is best considered a last-resort option. How Does Bankruptcy Work? Bankruptcy protects individuals who can't pay their debts from losing everything to creditors. In the U.S., special federal courts oversee bankruptcy, providing a …

A semi-realistic cartoon-style illustration of a worried person with glasses sitting at a desk, looking at a computer screen displaying a warning message that says "Credit Card Hacked". The character is holding a credit card and a list titled "11 Signs". Around them are icons like a padlock, exclamation marks, and a magnifying glass, symbolizing security and vigilance. The character is dressed in casual clothes, appearing stressed but alert. The background shows a home office setting with a bulletin board and a window displaying a stormy sky, highlighting the urgency of the situation.

Credit card fraud was the most common type of identity theft in 2023, according to the Federal Trade Commission (FTC). With digital storage and transmission of information, hackers can use your credit card without physically stealing it. In fact, fraud on existing credit cards increased by 14% last year, reports the FTC. It's crucial to …

A semi-realistic cartoon-style illustration of a confused person with glasses sitting at a desk, looking at a credit report on a computer screen displaying an alert symbol and the text "Incorrect SSN". The character is holding a document with a highlighted Social Security Number. Around them are icons like a magnifying glass, a question mark, and an exclamation mark, symbolizing investigation and confusion. The character is dressed in casual attire. The background shows a simple home office with a bulletin board and a window showing a neutral sky, emphasizing the seriousness of the situation.

When you apply for a new credit account or update your personal information on an existing one, the creditor typically sends this information to the three major credit bureaus: TransUnion, Equifax, and Experian. This process is how your Social Security Number (SSN), whether correct or incorrect, gets included in your credit reports. Why Might an …