Filing for bankruptcy can be a lifeline during financial hardship, but it’s not a decision to take lightly. A common question for those who’ve already been through it is: How many times can you file bankruptcy? While there’s no strict limit, specific waiting periods apply before you can file again and receive a discharge of …
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!
If you're considering a used car purchase, you might wonder about the average financing costs. Many buyers choose to finance, as approximately 42% of used car sales involve an auto loan. The average used car payment in 2024 is currently $525, which is over $100 lower than the average new car payment. Here’s a breakdown …
Filing for bankruptcy is a significant financial decision, often considered a last resort when debt becomes unmanageable. But how much does it cost to file bankruptcy? The expenses can vary based on factors like the type of bankruptcy, the complexity of your case, and whether you hire an attorney. Here’s a breakdown of the typical …
The holiday season often brings joy and celebration, but it can also leave us with a financial hangover. Between gifts, parties, and travel expenses, many people find themselves facing holiday debt in the new year. If this sounds familiar, you’re not alone. However, with a proactive approach, you can learn how to pay off holiday …
Identity theft can happen to anyone, and your Social Security number (SSN) is a prime target for scammers. When your SSN is stolen, acting quickly can protect your financial health. Start by reporting the theft and take steps to prevent further damage. Here’s a comprehensive guide to recovering from identity theft and keeping your information …
A second mortgage is a loan or line of credit that lets you access your home’s equity to achieve various financial goals. Home equity represents the portion of your home’s value that you fully own. While second mortgages can be powerful financial tools, they come with certain risks, including the potential for foreclosure if you …
Opening a new credit card can have both positive and negative effects on your credit score. Before applying, consider how a new card could impact your overall financial health, taking into account potential benefits like promotional interest rates or rewards programs. Let’s dive into how this decision can affect your credit score. How Can Opening …
Hard Inquiry vs. Soft Inquiry: What’s the Difference? Understanding credit inquiries is essential when managing your credit health. Both hard and soft inquiries appear on your credit report, yet they differ in purpose and impact. Let's explore the key differences in a hard inquiry vs. soft inquiry, including when each type occurs and how they …
A brokerage account is an investment account that allows you to invest your money in stocks, bonds, mutual funds, ETFs, brokered CDs, and money market funds. Unlike retirement accounts like a 401(k) or IRA, brokerage accounts provide flexibility for contributions and withdrawals without specific tax advantages or penalties. With a brokerage account, you have the …