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 …
How Does It Work?
1
Look
We start by doing a full credit assessment to find out what we are working with… Don’t let this scare you away. With tons of lenders and programs, there is almost always an option for funding.
2
Talk
Next, we actually go over all the options to make sure that we have the BEST chance at getting you funded. We may ask some weird questions (are you a plumber?) but we assure you that there is a method to the madness.
3
Fund
At this point, we have discussed your options, gone over any possible fees, and informed you of any obstacles we could face. Finally, we work with over 250 different lenders to find you the money!
We Aren't Just Guessing...
Our proprietary FUNDS® system uses a mathematical algorithm to give a percentage likelihood of approval down to 1/100th of a percent with over 270 different lenders. If there is money to be found… we will find it.
Credit Repair & Funding
Why Choose CreditNerds®?
We get it... you have a thousand options when it comes to credit repair and business funding services... why choose us?
What is
FUNDS?
What is FUNDS?
The FUNDS® system stands for Funding Underwriting Notification and Decisioning System. It is our proprietary software that tracks the lending trends of over 100 different lenders… But that’s not all it can do. It’s also the system that allows you access to our funding coaches, safe and secure log in, and a fast and easy way to stay informed about your approvals.
Let's be honest
What types of Funding are Actually Available?
It's our job...
At CreditNerds®, we are not just your average credit repair team; we are your dedicated allies in the fight for financial freedom. Our seasoned experts specialize in tackling a wide range of credit challenges, from erroneous late payments to stubborn collections and everything in between. With a proven track record of success, a commitment to transparency, and a passion for helping our clients, we're your trusted partner on the path to credit recovery. We've got the experience, the knowledge, and the determination to turn your credit profile around and pave the way for a brighter financial future. When you choose CreditNerds®, you're choosing a team that's genuinely invested in your success.
And... We have a blog!
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 …
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 …
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 …
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, …
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 …
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 …
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 …
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 …